How to send money to Vietnam from Poland with the best PLN-VND rate

We’ve analysed and compared 7 money transfer companies below for PLN/VND transfers.

Best companies for PLN/VND transfers

7 of 7 providers

Last updated on 28 October 2026

Based on 30,000 PLN transfer

Best companies for PLN/VND transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee 270,91 zł 1 PLN = 6526.7600 VND -0.02% vs mid-market Recipient gets 194.034.635,00 ₫ Within an hour
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Vietnam with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
270,91 zł1 PLN = 6526.7600 VND
194.034.635,00 ₫You pay30.000,00 zł
Promoted

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 6385.0000 VND +2.18% vs mid-market Recipient gets 191.550.000,00 ₫ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vietnam with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 6385.0000 VND
191.550.000,00 ₫You pay30.000,00 zł

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Regency FX

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 6508.1541 VND +0.27% vs mid-market Recipient gets 195.244.623,69 ₫ Minutes - 24 hours
Cheapest
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Vietnam with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 6508.1541 VND
195.244.623,69 ₫You pay30.000,00 zł

TapTap Send

Pay via Debit card
Fee 0,00 zł 1 PLN = 6495.5100 VND +0.46% vs mid-market Recipient gets 194.865.300,00 ₫ Minutes
Receive to bank account

Ways to receive money in Vietnam with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 PLN = 6495.5100 VND
194.865.300,00 ₫You pay30.000,00 zł
Cash deliveryMinutes
Free1 PLN = 6495.5100 VND
194.865.300,00 ₫You pay30.000,00 zł
Mobile moneyMinutesAvailable via:Momo, Viettel
Free1 PLN = 6495.5100 VND
194.865.300,00 ₫You pay30.000,00 zł

Wise

Pay via Bank transfer
Fee 270,91 zł 1 PLN = 6526.7600 VND -0.02% vs mid-market Recipient gets 194.034.635,00 ₫ Within an hour
Recommended
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in Vietnam with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin an hourAvailable via:Bank Transfer
270,91 zł1 PLN = 6526.7600 VND
194.034.635,00 ₫You pay30.000,00 zł

CurrencyFair

Pay via Bank transfer
Fee 9,90 zł 1 PLN = 6461.2000 VND +0.99% vs mid-market Recipient gets 193.771.388,00 ₫ Minutes - 24 hours
Receive to bank account

Ways to receive money in Vietnam with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
9,90 zł1 PLN = 6461.2000 VND
193.771.388,00 ₫You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee 325,00 zł 1 PLN = 6498.2950 VND +0.42% vs mid-market Recipient gets 192.836.905,00 ₫ Within minutes
Fastest
Multi-currency cardReceive to bank account

Ways to receive money in Vietnam with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
325,00 zł1 PLN = 6498.2950 VND
192.836.905,00 ₫You pay30.000,00 zł

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Only available via Mobile App

WorldRemit

Pay via Debit card
Fee 0,00 zł 1 PLN = 6395.5474 VND +2.02% vs mid-market Recipient gets 191.866.420,80 ₫ Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in Vietnam with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 PLN = 6395.5474 VND
191.866.420,80 ₫You pay30.000,00 zł
Cash pickupMinutes - 2 days
16,00 zł1 PLN = 6395.5474 VND
191.764.092,04 ₫You pay30.000,00 zł

Xe

Pay via Debit card
Fee 0,00 zł 1 PLN = 6385.0000 VND +2.18% vs mid-market Recipient gets 191.550.000,00 ₫ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vietnam with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 6385.0000 VND
191.550.000,00 ₫You pay30.000,00 zł

Xe

Pay via Bank transfer
Fee 0,00 zł 1 PLN = 6385.0000 VND +2.18% vs mid-market Recipient gets 191.550.000,00 ₫ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vietnam with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 6385.0000 VND
191.550.000,00 ₫You pay30.000,00 zł

Xe

Pay via Credit card
Fee 0,00 zł 1 PLN = 6385.0000 VND +2.18% vs mid-market Recipient gets 191.550.000,00 ₫ Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Vietnam with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 PLN = 6385.0000 VND
191.550.000,00 ₫You pay30.000,00 zł
Pricing based on Revolut Standard plan

Revolut

Pay via Debit card
Fee 940,00 zł 1 PLN = 6498.2950 VND +0.42% vs mid-market Recipient gets 188.840.453,00 ₫ Within minutes
Multi-currency cardReceive to bank account

Ways to receive money in Vietnam with Revolut when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin minutes
940,00 zł1 PLN = 6498.2950 VND
188.840.453,00 ₫You pay30.000,00 zł

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

How Our Results Work
Mid-market rate: 1 PLN = 6525.7737 VND Updates every 60 minutes.

How to send money from Poland to Vietnam

Pick a company

Start with the cheapest option, which is Regency FX. It will get you the most VND on a PLN 30,000 transfer.

Regency FX was the cheapest on 28 of the 29 days it quoted zł30,000 transfers to Vietnam.

This heavily depends on how much you send, so I suggest to get the best PLN/VND rate.

Fund your transfer

You can fund your transfer to Vietnam using bank transfer, debit card, and credit card.

Depending on the transfer company, you can use BLIK, which is the quickest and easiest.

Verify and send

Before you send, you'll need to verify your account.

You'll need a photo ID and your PESEL.

Compare amounts

How much PLN are you sending to Vietnam?

How much PLN you send to Vietnam heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 97% of the transfers from PLN 20,000 it quoted, and in 97% of all the transfers it quoted.

Cheapest service
2.000 zł0.00%0,00 zł13.047.240,00 ₫with debit card to bank deposit+172.771,14 ₫
5.000 zł0.03%0,00 zł32.626.300,00 ₫with debit card to bank deposit+471.538,99 ₫
10.000 zł0.43%0,00 zł64.976.700,00 ₫with debit card to bank deposit+797.902,52 ₫
20.000 zł0.43%0,00 zł129.910.200,00 ₫with debit card to bank deposit+1.930.943,07 ₫
30.000 złThis page0.27%0,00 zł195.244.623,69 ₫with bank transfer to bank deposit+2.633.651,14 ₫

Mid-market rate: 1 PLN = 6525.7737 VND

PLN/VND Exchange Rate History

Is today a good time to send money from Poland to Vietnam?

The cheapest way to send PLN to VND can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 30,000 PLN transfers to Vietnam.

VND received for 30.000 zł, after fees

Wed, 28 Oct 2026Mid-market rate195.773.211,36 ₫ Regency FX 195.244.623,69 ₫Regency FX195.244.623,69 ₫TapTap Send194.865.300,00 ₫Wise194.034.635,00 ₫

192M
194M
196M
198M
200M
202M
204M
At the mid-market rateWith the cheapest optionRegency FXTapTap SendWise
Exchange rateFeeRecipient getsDifference
Mid-market rate 6741.5993 – 202.247.978,43 ₫
Regency FX Cheapest 6723.3970 0,00 zł 201.701.908,89 ₫ −546.069,54 ₫
Wise 6741.5500 270,91 zł 200.420.147,00 ₫ −1.827.831,43 ₫
TapTap Send 6679.0700 0,00 zł 200.372.100,00 ₫ −1.875.878,43 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6753.7866 – 202.613.599,32 ₫
Regency FX Cheapest 6735.5514 0,00 zł 202.066.542,60 ₫ −547.056,72 ₫
Wise 6753.4000 270,91 zł 200.772.436,00 ₫ −1.841.163,32 ₫
TapTap Send 6681.1500 0,00 zł 200.434.500,00 ₫ −2.179.099,32 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6717.1972 – 201.515.914,56 ₫
Regency FX Cheapest 6699.0607 0,00 zł 200.971.821,59 ₫ −544.092,97 ₫
Wise 6718.2600 270,91 zł 199.727.756,00 ₫ −1.788.158,56 ₫
TapTap Send 6644.1600 0,00 zł 199.324.800,00 ₫ −2.191.114,56 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6685.7397 – 200.572.191,54 ₫
Regency FX Cheapest 6667.6882 0,00 zł 200.030.646,62 ₫ −541.544,92 ₫
Wise 6686.7800 270,91 zł 198.791.884,00 ₫ −1.780.307,54 ₫
TapTap Send No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 6670.2169 – 200.106.505,83 ₫
Regency FX Cheapest 6652.2073 0,00 zł 199.566.218,26 ₫ −540.287,57 ₫
Wise 6666.3700 270,91 zł 198.185.114,00 ₫ −1.921.391,83 ₫
TapTap Send 6603.4200 0,00 zł 198.102.600,00 ₫ −2.003.905,83 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6670.2169 – 200.106.505,83 ₫
Regency FX Cheapest 6652.2073 0,00 zł 199.566.218,26 ₫ −540.287,57 ₫
TapTap Send 6617.7500 0,00 zł 198.532.500,00 ₫ −1.574.005,83 ₫
Wise 6666.3700 270,91 zł 198.185.114,00 ₫ −1.921.391,83 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6641.5116 – 199.245.346,71 ₫
Regency FX Cheapest 6623.5795 0,00 zł 198.707.384,27 ₫ −537.962,44 ₫
Wise 6641.3800 270,91 zł 197.442.184,00 ₫ −1.803.162,71 ₫
TapTap Send 6568.0500 0,00 zł 197.041.500,00 ₫ −2.203.846,71 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6677.7640 – 200.332.920,27 ₫
Regency FX Cheapest 6659.7340 0,00 zł 199.792.021,39 ₫ −540.898,88 ₫
Wise 6676.7300 270,91 zł 198.493.107,00 ₫ −1.839.813,27 ₫
TapTap Send 6588.6100 0,00 zł 197.658.300,00 ₫ −2.674.620,27 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6654.1256 – 199.623.766,98 ₫
Regency FX Cheapest 6636.1594 0,00 zł 199.084.782,81 ₫ −538.984,17 ₫
TapTap Send 6596.9300 0,00 zł 197.907.900,00 ₫ −1.715.866,98 ₫
Wise 6654.4600 270,91 zł 197.831.040,00 ₫ −1.792.726,98 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6625.4217 – 198.762.651,66 ₫
Regency FX Cheapest 6607.5331 0,00 zł 198.225.992,50 ₫ −536.659,16 ₫
TapTap Send 6582.0500 0,00 zł 197.461.500,00 ₫ −1.301.151,66 ₫
Wise 6625.3200 270,91 zł 196.964.735,00 ₫ −1.797.916,66 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6631.8723 – 198.956.169,27 ₫
Regency FX Cheapest 6613.9663 0,00 zł 198.418.987,61 ₫ −537.181,66 ₫
TapTap Send 6577.3700 0,00 zł 197.321.100,00 ₫ −1.635.069,27 ₫
Wise 6633.0400 270,91 zł 197.194.243,00 ₫ −1.761.926,27 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6612.2378 – 198.367.132,77 ₫
Regency FX Cheapest 6594.3847 0,00 zł 197.831.541,51 ₫ −535.591,26 ₫
Wise 6607.8600 270,91 zł 196.445.665,00 ₫ −1.921.467,77 ₫
TapTap Send 6545.2100 0,00 zł 196.356.300,00 ₫ −2.010.832,77 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6612.2378 – 198.367.132,77 ₫
Regency FX Cheapest 6594.3847 0,00 zł 197.831.541,51 ₫ −535.591,26 ₫
Wise 6607.8600 270,91 zł 196.445.665,00 ₫ −1.921.467,77 ₫
TapTap Send 6545.2100 0,00 zł 196.356.300,00 ₫ −2.010.832,77 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6616.7510 – 198.502.528,98 ₫
Regency FX Cheapest 6598.8857 0,00 zł 197.966.572,15 ₫ −535.956,83 ₫
Wise 6616.0700 270,91 zł 196.689.740,00 ₫ −1.812.788,98 ₫
TapTap Send 6551.3200 0,00 zł 196.539.600,00 ₫ −1.962.928,98 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6614.7982 – 198.443.946,90 ₫
Regency FX Cheapest 6596.9383 0,00 zł 197.908.148,24 ₫ −535.798,66 ₫
Wise 6614.8100 270,91 zł 196.652.282,00 ₫ −1.791.664,90 ₫
TapTap Send 6546.7100 0,00 zł 196.401.300,00 ₫ −2.042.646,90 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6592.5953 – 197.777.859,81 ₫
Regency FX Cheapest 6574.7953 0,00 zł 197.243.859,59 ₫ −534.000,22 ₫
Wise 6592.2500 270,91 zł 195.981.594,00 ₫ −1.796.265,81 ₫
TapTap Send 6521.0900 0,00 zł 195.632.700,00 ₫ −2.145.159,81 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6638.7158 – 199.161.474,90 ₫
Regency FX Cheapest 6620.7913 0,00 zł 198.623.738,92 ₫ −537.735,98 ₫
TapTap Send 6599.3900 0,00 zł 197.981.700,00 ₫ −1.179.774,90 ₫
Wise 6636.9100 270,91 zł 197.309.295,00 ₫ −1.852.179,90 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6669.8267 – 200.094.800,19 ₫
Regency FX Cheapest 6651.8181 0,00 zł 199.554.544,23 ₫ −540.255,96 ₫
TapTap Send 6619.4700 0,00 zł 198.584.100,00 ₫ −1.510.700,19 ₫
Wise 6669.2400 270,91 zł 198.270.436,00 ₫ −1.824.364,19 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6659.6791 – 199.790.373,60 ₫
Regency FX Cheapest 6641.6980 0,00 zł 199.250.939,59 ₫ −539.434,01 ₫
TapTap Send 6632.1100 0,00 zł 198.963.300,00 ₫ −827.073,60 ₫
Wise 6659.5100 270,91 zł 197.981.172,00 ₫ −1.809.201,60 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6659.6791 – 199.790.373,60 ₫
Regency FX Cheapest 6641.6980 0,00 zł 199.250.939,59 ₫ −539.434,01 ₫
TapTap Send 6628.9300 0,00 zł 198.867.900,00 ₫ −922.473,60 ₫
Wise 6659.5100 270,91 zł 197.981.172,00 ₫ −1.809.201,60 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6644.1070 – 199.323.210,57 ₫
Regency FX Cheapest 6626.1679 0,00 zł 198.785.037,90 ₫ −538.172,67 ₫
TapTap Send 6623.2500 0,00 zł 198.697.500,00 ₫ −625.710,57 ₫
Wise 6643.4500 270,91 zł 197.503.723,00 ₫ −1.819.487,57 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6636.4445 – 199.093.334,55 ₫
Regency FX Cheapest 6618.5261 0,00 zł 198.555.782,55 ₫ −537.552,00 ₫
TapTap Send 6614.3300 0,00 zł 198.429.900,00 ₫ −663.434,55 ₫
Wise 6636.8300 270,91 zł 197.306.916,00 ₫ −1.786.418,55 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6648.9911 – 199.469.734,11 ₫
Regency FX Cheapest 6631.0389 0,00 zł 198.931.165,83 ₫ −538.568,28 ₫
TapTap Send 6619.4500 0,00 zł 198.583.500,00 ₫ −886.234,11 ₫
Wise 6648.8000 270,91 zł 197.662.774,00 ₫ −1.806.960,11 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6646.2879 – 199.388.637,18 ₫
TapTap Send Cheapest 6629.7000 0,00 zł 198.891.000,00 ₫ −497.637,18 ₫
Regency FX 6628.3429 0,00 zł 198.850.287,86 ₫ −538.349,32 ₫
Wise 6645.5800 270,91 zł 197.567.046,00 ₫ −1.821.591,18 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6580.7946 – 197.423.837,49 ₫
Regency FX Cheapest 6563.0264 0,00 zł 196.890.793,13 ₫ −533.044,36 ₫
TapTap Send 6562.3100 0,00 zł 196.869.300,00 ₫ −554.537,49 ₫
Wise 6581.9400 270,91 zł 195.675.087,00 ₫ −1.748.750,49 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6575.7158 – 197.271.474,27 ₫
Regency FX Cheapest 6557.9614 0,00 zł 196.738.841,29 ₫ −532.632,98 ₫
TapTap Send 6542.8000 0,00 zł 196.284.000,00 ₫ −987.474,27 ₫
Wise 6575.9500 270,91 zł 195.497.009,00 ₫ −1.774.465,27 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6575.7158 – 197.271.474,27 ₫
Regency FX Cheapest 6557.9614 0,00 zł 196.738.841,29 ₫ −532.632,98 ₫
TapTap Send 6552.9200 0,00 zł 196.587.600,00 ₫ −683.874,27 ₫
Wise 6575.9500 270,91 zł 195.497.009,00 ₫ −1.774.465,27 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 6540.8600 0,00 zł 196.225.800,00 ₫ –
Wise 6585.5400 270,91 zł 195.782.111,00 ₫ –
Regency FX No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 6538.8543 – 196.165.630,38 ₫
Regency FX Cheapest 6521.1994 0,00 zł 195.635.983,18 ₫ −529.647,20 ₫
TapTap Send 6507.3400 0,00 zł 195.220.200,00 ₫ −945.430,38 ₫
Wise 6539.3400 270,91 zł 194.408.627,00 ₫ −1.757.003,38 ₫
Exchange rateFeeRecipient getsDifference
Mid-market rate 6525.7737 – 195.773.211,36 ₫
Regency FX Cheapest 6508.1541 0,00 zł 195.244.623,69 ₫ −528.587,67 ₫
TapTap Send 6495.5100 0,00 zł 194.865.300,00 ₫ −907.911,36 ₫
Wise 6526.7600 270,91 zł 194.034.635,00 ₫ −1.738.576,36 ₫

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send 30.000 zł, after fees, as quoted by each company. The mid-market line shows what 30.000 zł converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more VND per PLN than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of VND on every transfer from Poland.

Right now, Regency FX pays 195,244,623.69 VND on 30,000 PLN, which is 528,587.67 VND less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 202,066,542.6 VND.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Vietnam.

We've tracked 94 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Regency FXAppeared in 29 comparisons

    Cheapest in 97% of them

  2. TapTap SendAppeared in 91 comparisons

    Cheapest in 26% of them

  3. WiseAppeared in 92 comparisons

    Cheapest in 2% of them

Based on 94 comparisons across 5 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

TapTap Send (today's second cheapest) was the cheapest in only 26% of its comparisons, so it's rarely the cheapest option for transfers to Vietnam.

Ways to send money from Poland to Vietnam

7 companies send money from Poland to Vietnam, across app, broker, online, multi-currency account, and global account, and more.

Simplest way to send PLN

Money transfer apps

Most transfer apps let you fund transfers via Apple Pay, Google Pay, bank transfer, debit card, and credit card.

TapTap Send charges 0 PLN on a zł30,000 transfer and delivers 194,865,300 VND in minutes, straight to the recipient's bank card or account.

Over the past month, TapTap Send was the cheapest app on 62% of the days it appeared for zł30,000 transfers.

Mid-size and one-off transfers

Online transfers

Anyone who's done a bank transfer abroad from Poland knows the OUR, SHA, BEN question, who pays the correspondent banks along the way.

Online services like Wise move money inside their own network instead, which is much cheaper and gets you more VND.

The cheapest way to send money online from Poland to Vietnam is via Wise.

Sending 30,000 PLN gets you 194,034,635 VND (after 270.91 fee and -0.02% markup).

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Converting and spending

Multi-currency accounts

Multi-currency accounts let you hold PLN and VND in one account.

This is useful for travelling to Vietnam, getting paid in VND, or pre-converting when PLN/VND rate is good.

You can convert between them whenever you want, and once you have VND there are no fees after.

The best multi-currency account for holding PLN and VND is Wise.

For example, it converts zł30,000 at -0.02% markup and a small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 100% of days.

For freelancers and businesses

Global accounts

Global accounts are for Polish companies doing business abroad.

Companies like Wise Business, Revolut Business, or Airwallex handle recurring payments, invoicing, supplier payments, and more.

Ways to fund PLN and receive VND in Vietnam

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 195,244,623.69 VND.

Deposit PLN through bank transfer, debit card, and credit card.

They can receive VND via bank deposit, cash delivery, mobile money, and cash pickup.

Collect cash in Vietnam

Cash pickup is also available through participating agent locations in Vietnam.

  1. 1
    Bank transfer Bank deposit

    You pay zł30,000.00

    ₫195,244,624

    Cheapest

  2. 2
    Debit card Bank deposit

    You pay zł30,000.00

    ₫194,865,300

    -₫379,324

  3. 3
    Debit card Cash delivery

    You pay zł30,000.00

    ₫194,865,300

    -₫379,324

  4. 4
    Debit card Mobile money

    You pay zł30,000.00

    ₫194,865,300

    -₫379,324

  5. 5
    Debit card Cash pickup

    You pay zł30,000.00

    ₫191,764,092

    -₫3,480,532

Show moreShow less
  1. 6
    Credit card Bank deposit

    You pay zł30,000.00

    ₫191,550,000

    -₫3,694,624

Consider this when sending PLN to Vietnam

There are a few nuances when sending money from Poland to Vietnam.

Compare PLN/VND transfer options

For a 30,000 PLN transfer to Vietnam, these are the cheapest, fastest and easiest options.

Cheapest way to send money to Vietnam

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 195,244,623.69 VND, which is 0.19% more than the next best option.

Fastest way to send money to Vietnam

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 192,836,905 VND, with the money arriving in within minutes.

BLIK funds PLN deposits only

Some money transfer companies accept BLIK as a deposit method, which then switches to an internal network of bank accounts.

BLIK by itself cannot move money outside the country.

Gifts can need Polish tax paperwork

Sending money abroad is not itself a Polish tax charge.

A gift can still fall under Polish gift-tax rules depending on the recipient's tax position.

The closest family group can qualify for a full exemption.

Where Polish rules apply, a cash gift may need to be reported on form SD-Z2 within six months and documented through a bank, payment account or postal transfer.

The Polish tax authority explains the exemption and current filing conditions.

BFG deposit protection

BFG deposit protection applies to eligible bank deposits.

A non-bank transfer company normally protects customer money through safeguarding instead, so avoid leaving a large account balance there after the transfer.

Check whether the company is authorised in Poland or passported from another EEA country through the KNF registers.

How we analyse the market

Every company here is KNF-registered or passported into Poland, and we check that before anything else.

We track 7 of them on PLN to Vietnam in real time on live comparisons. Polish banks have caught up on rates, so we compare both rather than assuming the bank loses.

In the past 30 days alone, we analysed 94 comparisons across 5 amounts.

This page covers the cheapest and fastest options for PLN/VND transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review. More on who we are, why you can trust us and getting started.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.