Best companies for PLN/EUR transfers
9 of 9 providers Last updated on 28 October 2026
Based on 30,000 PLN transfer Best companies for PLN/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee 193,04 zł 1 PLN = 0.2270 EUR 0.00% vs mid-market	Recipient gets €6,765.61 Within an hour
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Austria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer 193,04 zł1 PLN = 0.2270 EUR €6,765.61You pay30.000,00 zł
Promoted Xe Pay via Debit card	Fee 0,00 zł 1 PLN = 0.2238 EUR +1.41% vs mid-market	Recipient gets €6,714.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Austria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2238 EUR €6,714.00You pay30.000,00 zł
Run a live search Showing top Poland to Austria deals for 30,000 PLN. 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 PLN to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much PLN you're planning to spend in Austria.
Run a live search These are managed services with real human support for large PLN 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 zł 1 PLN = 0.2264 EUR +0.25% vs mid-market	Recipient gets €6,792.50 Minutes - 3 days
4 reviews Cheapest Personal account managerReceive to bank account
Ways to receive money in Austria with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 PLN = 0.2264 EUR €6,792.50You pay30.000,00 zł
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee 0,00 zł 1 PLN = 0.2264 EUR +0.27% vs mid-market	Recipient gets €6,791.13 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Austria with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2264 EUR €6,791.13You pay30.000,00 zł
TorFx Pay via Bank transfer	Fee 0,00 zł 1 PLN = 0.2263 EUR +0.30% vs mid-market	Recipient gets €6,789.09 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in Austria with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2263 EUR €6,789.09You pay30.000,00 zł
CurrencyFair Pay via Bank transfer	Fee 13,22 zł 1 PLN = 0.2257 EUR +0.57% vs mid-market	Recipient gets €6,766.80 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in Austria with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours 13,22 zł1 PLN = 0.2257 EUR €6,766.80You pay30.000,00 zł
Wise Pay via Bank transfer	Fee 193,04 zł 1 PLN = 0.2270 EUR 0.00% vs mid-market	Recipient gets €6,765.61 Within an hour
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Austria with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin an hourAvailable via:Bank Transfer 193,04 zł1 PLN = 0.2270 EUR €6,765.61You pay30.000,00 zł
TapTap Send Pay via Debit card	Fee 0,00 zł 1 PLN = 0.2250 EUR +0.88% vs mid-market	Recipient gets €6,750.00 Minutes
0 reviews Receive to bank account
Ways to receive money in Austria with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes Free1 PLN = 0.2250 EUR €6,750.00You pay30.000,00 zł
Pricing based on Revolut Standard plan Revolut Pay via Bank transfer	Fee 250,00 zł 1 PLN = 0.2259 EUR +0.48% vs mid-market	Recipient gets €6,721.34 Within minutes
10 reviews Fastest Multi-currency cardReceive to bank account
Ways to receive money in Austria with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes 250,00 zł1 PLN = 0.2259 EUR €6,721.34You 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.
Moneycorp Pay via Bank transfer	Fee 0,00 zł 1 PLN = 0.2238 EUR +1.40% vs mid-market	Recipient gets €6,714.19 Minutes - 2 days
0 reviews
Ways to receive money in Austria with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 PLN = 0.2238 EUR €6,714.19You pay30.000,00 zł
Xe Pay via Debit card	Fee 0,00 zł 1 PLN = 0.2238 EUR +1.41% vs mid-market	Recipient gets €6,714.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Austria with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2238 EUR €6,714.00You pay30.000,00 zł

Xe Pay via Bank transfer	Fee 0,00 zł 1 PLN = 0.2238 EUR +1.41% vs mid-market	Recipient gets €6,714.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Austria with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2238 EUR €6,714.00You pay30.000,00 zł
Xe Pay via Credit card	Fee 0,00 zł 1 PLN = 0.2238 EUR +1.41% vs mid-market	Recipient gets €6,714.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Austria with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 PLN = 0.2238 EUR €6,714.00You pay30.000,00 zł
Pricing based on Revolut Standard plan Revolut Pay via Debit card	Fee 460,00 zł 1 PLN = 0.2259 EUR +0.48% vs mid-market	Recipient gets €6,673.90 Within minutes
10 reviews Multi-currency cardReceive to bank account
Ways to receive money in Austria with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes 460,00 zł1 PLN = 0.2259 EUR €6,673.90You 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 = 0.2270 EUR Updates every 60 minutes.

Why compare

PLN/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Poland to Austria

Pick a company

Start with the cheapest option, which is Key Currency. It will get you the most EUR on a PLN 30,000 transfer.

Key Currency was the cheapest on 28 of the 28 days it quoted zł30,000 transfers to Austria.

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

Fund your transfer

You can fund your transfer to Austria 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 Austria?

How much PLN you send to Austria 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 Key Currency was the cheapest in 100% of the transfers from PLN 20,000 it quoted, and in 100% of all the transfers it quoted.


2.000 zł	0.53%	€451.80with bank transfer to bank deposit	+€5.77
5.000 zł	0.48%	€1,130.13with bank transfer to bank deposit	+€14.09
10.000 zł	0.57%	€2,257.00with bank transfer to bank deposit	+€26.56
20.000 zł	0.30%	€4,527.42with bank transfer to bank deposit	+€39.37
30.000 złThis page	0.25%	€6,792.50with bank transfer to bank deposit	+€50.29

Mid-market rate: 1 PLN = 0.2270 EUR

PLN/EUR Exchange Rate History

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

The cheapest way to send PLN to EUR 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 Key Currency), across 30 days of comparisons for 30,000 PLN transfers to Austria.

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 EUR 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 EUR on every transfer from Poland.

Right now, Key Currency pays 6,792.5 EUR on 30,000 PLN, which is 17.02 EUR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 6,860.99 EUR.

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 Austria.

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

Key CurrencyAppeared in 28 comparisons
Cheapest every time
Regency FXAppeared in 28 comparisons
Never the cheapest
TorFxAppeared in 42 comparisons
Cheapest in 33% 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Poland to Austria

9 companies send money from Poland to Austria, across broker, app, online, global account, and multi-currency 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.

Wise charges 193.04 PLN on a zł30,000 transfer and delivers 6,765.61 EUR in same day, straight to the recipient's bank card or account.

Over the past month, Wise was the cheapest app on 100% 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 EUR.

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

Sending 30,000 PLN gets you 6,765.61 EUR (after 193.04 fee and -0.01% markup).

In our comparisons over the past month, it was the cheapest online service on 28 of the 28 days it quoted.

Converting and spending

Multi-currency accounts

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

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

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

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

For example, it converts zł30,000 at -0.01% markup and a small fee.

Over the past month, Wise came out cheapest among multi-currency accounts on 29% 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 EUR in Austria

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending 30,000 PLN gives your recipient 6,792.5 EUR.

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

They can receive EUR via bank deposit.

1

Bank transfer Bank deposit

You pay zł30,000.00

€6,793

Cheapest
2

Debit card Bank deposit

You pay zł30,000.00

€6,750

-€43
3

Credit card Bank deposit

You pay zł30,000.00

€6,714

-€79

Consider this when sending PLN to Austria

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

Compare PLN/EUR transfer options

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

Cheapest way to send money to Austria

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,792.5 EUR, which is 0.02% more than the next best option.

Fastest way to send money to Austria

The fastest option is Revolut. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 6,721.34 EUR, 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 9 of them on PLN to Austria 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/EUR 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.

Send money from Poland

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Tue, 29 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2286	–	€6,859.41
Key Currency Cheapest	0.2281	0,00 zł	€6,842.26	−€17.15
Regency FX	0.2280	0,00 zł	€6,840.89	−€18.52
TorFx	0.2280	0,00 zł	€6,838.83	−€20.58

Wed, 30 Sept 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2293	–	€6,878.19
Key Currency Cheapest	0.2287	0,00 zł	€6,860.99	−€17.20
Regency FX	0.2287	0,00 zł	€6,859.62	−€18.57
TorFx	0.2286	0,00 zł	€6,857.56	−€20.63

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2286	–	€6,859.38
Key Currency Cheapest	0.2281	0,00 zł	€6,842.23	−€17.15
Regency FX	0.2280	0,00 zł	€6,840.86	−€18.52
TorFx	0.2280	0,00 zł	€6,838.80	−€20.58

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2285	–	€6,856.44
Key Currency Cheapest	0.2280	0,00 zł	€6,839.30	−€17.14
Regency FX	0.2279	0,00 zł	€6,837.93	−€18.51
TorFx	0.2279	0,00 zł	€6,835.87	−€20.57

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2280	–	€6,839.37
Key Currency Cheapest	0.2274	0,00 zł	€6,822.27	−€17.10
Regency FX	0.2274	0,00 zł	€6,820.90	−€18.47
TorFx	0.2273	0,00 zł	€6,818.85	−€20.52

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2279	–	€6,837.78
Key Currency Cheapest	0.2274	0,00 zł	€6,820.69	−€17.09
Regency FX	0.2273	0,00 zł	€6,819.32	−€18.46
TorFx	0.2272	0,00 zł	€6,817.27	−€20.51

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2286	–	€6,859.44
Key Currency Cheapest	0.2281	0,00 zł	€6,842.29	−€17.15
Regency FX	0.2280	0,00 zł	€6,840.92	−€18.52
TorFx	0.2280	0,00 zł	€6,838.86	−€20.58

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2282	–	€6,846.03
Key Currency Cheapest	0.2276	0,00 zł	€6,828.91	−€17.12
Regency FX	0.2276	0,00 zł	€6,827.55	−€18.48
TorFx	0.2275	0,00 zł	€6,825.49	−€20.54

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2285	–	€6,855.75
Key Currency Cheapest	0.2280	0,00 zł	€6,838.61	−€17.14
Regency FX	0.2279	0,00 zł	€6,837.24	−€18.51
TorFx	0.2278	0,00 zł	€6,835.18	−€20.57

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2279	–	€6,835.80
Key Currency Cheapest	0.2273	0,00 zł	€6,818.71	−€17.09
Regency FX	0.2272	0,00 zł	€6,817.34	−€18.46
TorFx	0.2272	0,00 zł	€6,815.29	−€20.51

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2279	–	€6,836.22
Key Currency Cheapest	0.2273	0,00 zł	€6,819.13	−€17.09
Regency FX	0.2273	0,00 zł	€6,817.76	−€18.46
TorFx	0.2272	0,00 zł	€6,815.71	−€20.51

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2284	–	€6,850.59
Key Currency Cheapest	0.2278	0,00 zł	€6,833.46	−€17.13
Regency FX	0.2277	0,00 zł	€6,832.09	−€18.50
TorFx	0.2277	0,00 zł	€6,830.04	−€20.55

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2287	–	€6,862.35
Key Currency Cheapest	0.2282	0,00 zł	€6,845.19	−€17.16
Regency FX	0.2281	0,00 zł	€6,843.82	−€18.53
TorFx	0.2281	0,00 zł	€6,841.76	−€20.59

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2289	–	€6,868.02
Key Currency Cheapest	0.2284	0,00 zł	€6,850.85	−€17.17
Regency FX	0.2283	0,00 zł	€6,849.48	−€18.54
TorFx	0.2282	0,00 zł	€6,847.42	−€20.60

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	–	–	–
Currencies Direct Cheapest	0.2278	0,00 zł	€6,834.00	–
Key Currency No quote collected this day	–	–	–	–
Regency FX No quote collected this day	–	–	–	–
TorFx No quote collected this day	–	–	–	–

Sat, 17 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2289	–	€6,866.10
Key Currency Cheapest	0.2283	0,00 zł	€6,848.93	−€17.17
Regency FX	0.2283	0,00 zł	€6,847.56	−€18.54
TorFx	0.2282	0,00 zł	€6,845.50	−€20.60

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2288	–	€6,864.15
Key Currency Cheapest	0.2282	0,00 zł	€6,846.99	−€17.16
Regency FX	0.2282	0,00 zł	€6,845.62	−€18.53
TorFx	0.2281	0,00 zł	€6,843.56	−€20.59

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2292	–	€6,874.68
Key Currency Cheapest	0.2286	0,00 zł	€6,857.49	−€17.19
Regency FX	0.2285	0,00 zł	€6,856.12	−€18.56
TorFx	0.2285	0,00 zł	€6,854.06	−€20.62

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2289	–	€6,867.93
Key Currency Cheapest	0.2284	0,00 zł	€6,850.76	−€17.17
Regency FX	0.2283	0,00 zł	€6,849.39	−€18.54
TorFx	0.2282	0,00 zł	€6,847.33	−€20.60

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2275	–	€6,826.47
Key Currency Cheapest	0.2270	0,00 zł	€6,809.40	−€17.07
Regency FX	0.2269	0,00 zł	€6,808.04	−€18.43
TorFx	0.2269	0,00 zł	€6,805.99	−€20.48

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2271	–	€6,814.29
Key Currency Cheapest	0.2266	0,00 zł	€6,797.25	−€17.04
Regency FX	0.2265	0,00 zł	€6,795.89	−€18.40
TorFx	0.2265	0,00 zł	€6,793.85	−€20.44

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2273	–	€6,819.09
Key Currency Cheapest	0.2267	0,00 zł	€6,802.04	−€17.05
Regency FX	0.2267	0,00 zł	€6,800.68	−€18.41
TorFx	0.2266	0,00 zł	€6,798.63	−€20.46

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2270	–	€6,810.63
Key Currency Cheapest	0.2265	0,00 zł	€6,793.60	−€17.03
Regency FX	0.2264	0,00 zł	€6,792.24	−€18.39
TorFx	0.2263	0,00 zł	€6,790.20	−€20.43

Wed, 28 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2270	–	€6,809.52
Key Currency Cheapest	0.2264	0,00 zł	€6,792.50	−€17.02
Regency FX	0.2264	0,00 zł	€6,791.13	−€18.39
TorFx	0.2263	0,00 zł	€6,789.09	−€20.43

How to send money to Austria from Poland with the best PLN-EUR rate

Best companies for PLN/EUR transfers