From 11 companies analysed, Key Currency is the cheapest way to send money to Poland, giving your recipient 30,817.48 PLN when you send SEK 80,000.
Deposit with bank transfer and use bank deposit for withdrawal to get the most PLN.
| 11 of 11 providers Last updated on 21 September 2026 This page updates weekly. We collect, store, and analyze SEK/PLN exchange rates from our comparisons. | |||
| Based on 80,000 SEK transfer Best companies for SEK/PLN transfersAll money transfer offers for SEK/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee 376,43 kr 1 SEK = 0.3862 PLN 0.00% vs mid-market | Recipient gets 30 749,67 zł Next day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 376,43 kr1 SEK = 0.3862 PLN 30 749,67 złYou pay80 000,00 kr | |||
| Promoted  Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 0.3840 PLN +0.57% vs mid-market | Recipient gets 30 720,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3840 PLN 30 720,00 złYou pay80 000,00 kr | |||
Run a live search Showing top Sweden to Poland deals for 80,000 SEK. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live SEK to PLN rates. | |||
Run a live search These companies offer multi-currency accounts for spending PLN. We suggest doing a live search based on how much SEK you're planning to spend in Poland. | |||
Run a live search These are managed services with real human support for large SEK transfers. Click the link and update the transfer amount to get the best deal. | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3852 PLN +0.25% vs mid-market | Recipient gets 30 817,48 zł Minutes - 3 days | |
Ways to receive money in Poland with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SEK = 0.3852 PLN 30 817,48 złYou pay80 000,00 kr | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3851 PLN +0.27% vs mid-market | Recipient gets 30 811,30 zł Minutes - 24 hours | |
Ways to receive money in Poland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3851 PLN 30 811,30 złYou pay80 000,00 kr | |||
 TorFx Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3850 PLN +0.30% vs mid-market | Recipient gets 30 802,04 zł Minutes - 24 hours | |
Ways to receive money in Poland with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3850 PLN 30 802,04 złYou pay80 000,00 kr | |||
| Wise Pay via Bank transfer | Fee 376,43 kr 1 SEK = 0.3862 PLN 0.00% vs mid-market | Recipient gets 30 749,67 zł Next day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 376,43 kr1 SEK = 0.3862 PLN 30 749,67 złYou pay80 000,00 kr | |||
| Xe Pay via Debit card | Fee 0,00 kr 1 SEK = 0.3840 PLN +0.57% vs mid-market | Recipient gets 30 720,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3840 PLN 30 720,00 złYou pay80 000,00 kr | |||
| Xe Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3840 PLN +0.57% vs mid-market | Recipient gets 30 720,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3840 PLN 30 720,00 złYou pay80 000,00 kr | |||
| Xe Pay via Credit card | Fee 0,00 kr 1 SEK = 0.3840 PLN +0.57% vs mid-market | Recipient gets 30 720,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3840 PLN 30 720,00 złYou pay80 000,00 kr | |||
 Currencies Direct Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3832 PLN +0.78% vs mid-market | Recipient gets 30 656,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SEK = 0.3832 PLN 30 656,00 złYou pay80 000,00 kr | |||
 CurrencyFair Pay via Bank transfer | Fee 25,89 kr 1 SEK = 0.3831 PLN +0.80% vs mid-market | Recipient gets 30 638,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 25,89 kr1 SEK = 0.3831 PLN 30 638,00 złYou pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee 820,00 kr 1 SEK = 0.3855 PLN +0.18% vs mid-market | Recipient gets 30 521,07 zł Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 820,00 kr1 SEK = 0.3855 PLN 30 521,07 złYou pay80 000,00 kr | |||
| 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. | |||
 Profee Pay via Debit card | Fee 0,00 kr 1 SEK = 0.3814 PLN +1.26% vs mid-market | Recipient gets 30 508,56 zł Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 SEK = 0.3814 PLN 30 508,56 złYou pay80 000,00 kr | |||
| Profee Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3814 PLN +1.26% vs mid-market | Recipient gets 30 508,56 zł Minutes - 24 hours | |
Ways to receive money in Poland with Profee when paying by bank transfer. MethodFee & ratesRecipient gets Card depositMinutes - 24 hours Free1 SEK = 0.3814 PLN 30 508,56 złYou pay80 000,00 kr | |||
 Moneycorp Pay via Bank transfer | Fee 0,00 kr 1 SEK = 0.3808 PLN +1.40% vs mid-market | Recipient gets 30 462,19 zł Minutes - 2 days | |
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 SEK = 0.3808 PLN 30 462,19 złYou pay80 000,00 kr | |||
| Wise Pay via Debit card | Fee 1 238,84 kr 1 SEK = 0.3862 PLN 0.00% vs mid-market | Recipient gets 30 416,61 zł Next day | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 1 238,84 kr1 SEK = 0.3862 PLN 30 416,61 złYou pay80 000,00 kr | |||
| Wise Pay via Credit card | Fee 1 401,37 kr 1 SEK = 0.3862 PLN 0.00% vs mid-market | Recipient gets 30 353,85 zł Next day | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:Bank Transfer 1 401,37 kr1 SEK = 0.3862 PLN 30 353,85 złYou pay80 000,00 kr | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee 1 260,00 kr 1 SEK = 0.3855 PLN +0.18% vs mid-market | Recipient gets 30 351,47 zł Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 1 260,00 kr1 SEK = 0.3855 PLN 30 351,47 złYou pay80 000,00 kr | |||
| 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. | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee 40,00 kr 1 SEK = 0.3790 PLN +1.88% vs mid-market | Recipient gets 30 320,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:Most Banks 100,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 100,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 200,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay81 200,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee 40,00 kr 1 SEK = 0.3790 PLN +1.88% vs mid-market | Recipient gets 30 320,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:Most Banks 100,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 100,00 kr Card depositMinutes - 24 hoursAvailable via:Bank Debit Card 1 200,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay81 200,00 kr | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee 40,00 kr 1 SEK = 0.3790 PLN +1.88% vs mid-market | Recipient gets 30 320,00 zł Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours 40,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 040,00 kr Bank depositMinutes - 24 hoursAvailable via:Most Banks 100,00 kr1 SEK = 0.3790 PLN 30 320,00 złYou pay80 100,00 kr | |||
| How Our Results Work Mid-market rate: 1 SEK = 0.386184 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Poland, I suggest picking the cheapest option which is Key Currency.
On a 80,000 SEK transfer, Key Currency delivers the most PLN.
The best option will change depending on how much you actually send, so I suggest to get the best SEK/PLN rate.
You can pay for the transfer using bank transfer, debit card, credit card, and debit card.
A transfer from your Swedish bank is usually the easiest way to fund the transfer.
Before you can send money to Poland, you'll need to verify your account.
Most companies do it with BankID.
If you can't get BankID yet, some companies will take a passport instead (but its less common).
11 companies send money from Sweden to Poland, mostly through broker, online, app, multi-currency account, global account, and in person, and a few more ways.
Medium-sized transfers
For a one-off transfer to Poland, an online service like Wise is usually the simplest place to start.
Wise charges kr376.43 to send 80,000 SEK, leaving your recipient with 30,749.67 after a 0% markup on SEK/PLN exchange rate.
Regular SEK transfers
For smaller regular transfers, apps are the most convenient and easiest way to send money to Poland.
Wise charges kr376.43 on a 80,000 SEK transfer and money will arrive in within a week.
You recipient can withdraw via bank deposit, card deposit, and cash pickup.
In many cases you will need a BankID to verify your account, but a few will do with a passport or drivers licence.
Spending and travelling
A multi-currency account makes sense if you regularly need PLN.
You can convert your kronor in advance and use the balance when needed without extra fees.
Wise converts SEK 80,000 with a 0% exchange-rate markup and holds the PLN in your account.
Paying from business accounts
If your business receives and sends money in Poland, a global account keeps the PLN in one place.
You can pay invoices from the balance and convert when needed.
WorldFirst and Airwallex are good options to try.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 80,000 SEK gives your recipient 30,817.48 PLN.
From Sweden, you can fund the transfer by bank transfer, debit card, credit card, and debit card, and in Poland, the recipient can use bank deposit, card deposit, and cash pickup.
Paying from your Swedish bank account
Send SEK using the account and reference shown by the money transfer company.
You may need to use BankID to approve and verify the payment.
For cash pickup, they can collect PLN from a nearby MoneyGram agent in Poland.
Swish is useful for payments within Sweden, but it does not send PLN to Poland.
You pay kr80,000.00
zł30,817
Cheapest
You pay kr80,000.00
zł30,720
-zł97
You pay kr80,000.00
zł30,720
-zł97
You pay kr80,000.00
zł30,509
-zł309
You pay kr80,000.00
zł30,509
-zł309
You pay kr80,040.00
zł30,320
-zł497
You pay kr80,040.00
zł30,320
-zł497
You pay kr81,200.00
zł30,320
-zł497
You pay kr80,040.00
zł30,320
-zł497
You pay kr81,200.00
zł30,320
-zł497
Swedish banks are safe but often expensive for foreign payments. Compare money transfer companies available to get the most of PLN from Sweden.
Cheapest way to send money to Poland
The cheapest option for PLN 30,817.48 is Key Currency. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 30,817.48 PLN, which is 0.02% more than the next best option.
Fastest way to send money to Poland
With Revolut, a bank transfer deposit and bank deposit payout delivers 30,521.07 PLN in within minutes.
Swish moves money between participating Swedish accounts, it cannot send SEK to Poland.
You may still use a Swedish bank transfer to pay for the transfer online, but beyond that, the company will move SEK to Poland over local rails or SWIFT.
A bank can ask for the purpose and source of a large or unusual payment.
Property sales, inheritances and transfers between your own accounts are easier to clear when the documents match the description you gave the bank.
Tell your bank before a time-sensitive payment and keep the sale contract, estate document or account statement ready.
And do not split one large payment into many small ones, since it can trigger more questions.
Sweden has no gift or inheritance tax, so sending a cash gift does not create a Swedish gift-tax return.
Poland may have their own rules on receiving monetary gifts.
The final rate controls how much PLN you get for your SEK, so compare it alongside the transfer fee.
Mid-market rate:1 SEK = 0.385787 PLN
We track 11 companies sending SEK to Poland, all registered with Finansinspektionen or passported in, with rates refreshed in real time on live searches.
The krona floats, so we compare on what actually arrives, alongside fees and the ways to pay and collect.
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.
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