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How to send money to Japan from Poland with the best PLN-JPY rate

Compare the best ways to send money from Poland to Japan. Explore the fastest, cheapest, and most reliable providers with the best PLN to JPY exchange rates.

Read on for the best deals, expert information, and all you need to send money to Japan from Poland.

Transferring the other way? Send JPY from Japan to Poland instead.
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June 30th, 2025
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Best money transfer companies

Send money from Poland to Japan

Last updated: Today
Mid-market rate as of 06/30/2025: 1 PLN = 39.896328 JPY
Results below are based on a 30000 PLN search
0 of 13 providers
Sponsored
Wise
Recipient gets (JPY)
¥1,188,085.00
Full transfer details
Visit Wise
¥27,102 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (JPY)
¥1,179,564.00
Full transfer details
Visit Xe
¥18,581 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (JPY)
¥1,193,897.62
Full transfer details
Visit Key Currency
¥32,914 better than a typical bank*

"Key Currency offers a personal service with a dedicated account manager. There are no transfer limits or fees which is perfect for larger send amounts."

Personal account manager
Multi-currency card
Receive to bank account
Exclusive: First Transfer Deal
2
Regency FX
Recipient gets (JPY)
¥1,193,658.24
Full transfer details
Visit Regency FX
¥32,675 better than a typical bank*

"Regency's UK-based account management team has vast experience. Get support on all kinds of transfers, from overseas property transactions to business payments & more."

Personal account manager
Multi-currency card
Receive to bank account
Professional, personal service
Rate match guarantee (T&Cs apply)
3
TorFx
Recipient gets (JPY)
¥1,193,299.17
Full transfer details
Visit TorFx
¥32,316 better than a typical bank*

"TorFX's 5-star service handles most currency needs, especially relating to overseas property, emigration & retirement. Friendly phone support, no-obligation conversations & no max transfer limit."

Personal account manager
Multi-currency card
Receive to bank account
Ideal for buying property abroad
4
Currencies Direct
Recipient gets (JPY)
¥1,190,052.00
Full transfer details
Visit Currencies Direct
¥29,069 better than a typical bank*

"Currencies Direct have over 30 years of global money transfer expertise. Award winning service with a TrustPilot rating of 4.9. Lock-in rates for the future or trade 24/7 on web or mobile."

Personal account manager
Multi-currency card
Receive to bank account
5
OFX
Recipient gets (JPY)
¥1,188,486.00
Full transfer details
Visit OFX
¥27,503 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
6
Wise
Recipient gets (JPY)
¥1,188,085.00
Full transfer details
Visit Wise
¥27,102 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
7
Xe
Recipient gets (JPY)
¥1,179,564.00
Full transfer details
Visit Xe
¥18,581 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
8
Remitly
Recipient gets (JPY)
¥1,168,200.00
Full transfer details
Visit Remitly
¥7,217 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
Mid-market rate updates every 60 minutes
Estimated Rates
We don't have access to live rates from these companies. Instead, we've researched their average exchange rates and fees.
Panda Remit
Recipient gets (JPY)
¥1,193,140.06
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (JPY)
    ¥1,157,604.92
    Not recommended
Sponsored
Wise
Recipient gets (JPY)
¥1,188,085.00
Full transfer details
Visit Wise
¥27,102 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (JPY)
¥1,179,564.00
Full transfer details
Visit Xe
¥18,581 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best way to send: Wise

Wise is our top pick for sending PLN to JPY.

We tested & reviewed 13 money transfer companies offering services between Poland and Japan, and Wise scored highly.

For example, sending 30,000 PLN to JPY will cost you zł219.32 in fees, and you will receive 1,188,085 JPY. The delivery time is next day, but it depends on the day you make the transfer.

So for a great mix of cost, speed & features, make your Poland to Japan transfer using Wise.

Wise is the top rated company for sending money from Poland (PLN) to Japan (JPY) - Wise Screenshot

How to compare deals on your Poland to Japan transfer

Summary of recent searches

Top rated for transfers from Poland to Japan
Wise
Total number of PL - JP providers
13
Average cheapest fees & rate
Key Currency
Average fastest transfer
Regency FX
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Understanding Poland to Japan money transfers

1
Comparing providers

Comparing providers when sending money from Poland to Japan is the easiest way to make a transfer at the best price.

We’ve compared 13 providers for sending Zloty to Japan. This ensures you will get the best options for your transfer to Japan from Poland.

We rate Wise as the best overall, but comparing gives you a comprehensive view of all the options for transferring money from Poland to Japan.

2
Get ahead of the Zloty-Yen exchange rate
3
Choosing the right payment method
4
Financial regulators in Poland and Japan
5
Consider transfer limits
6
Receiving money in Japan
7
Have your ID ready
8
Tax declarations

Cheapest way to send money from Poland to Japan: Key Currency

The combination of the lowest fees and best exchange rate is through Key Currency. This makes them our cheapest transfer service of the 13 compared for sending Zloty to Japan.

Our data shows, that Key Currency is 0.02% than the second-best option when sending via a bank transfer.

This includes the fee of 0 PLN and a PLN-JPY exchange rate for international transfers that is 0.25% different to the mid-market rate.

Securing the best rates on a PLN to Japan transfer can be done with Key Currency but you can always search for your specific amount.

Key Currency is the cheapest way to send money from Poland (PLN) to Japan (JPY) - Key Currency Screenshot

Fastest way to transfer money to Japan from Poland: Regency FX.

We tested 13 companies offering transfers from Poland to Japan and Regency FX offered the quickest option.

For example, if you send zł30,000 with Regency FX to Japan now, the transfer time is minutes - 24 hours.

This can vary depending on your needs, smaller transfers to Japan are likely to arrive quicker.

When using Regency FX to send money from Poland to Japan you can expect a fee of 0 PLN. Although we would recommend comparing the amount you want to send.

When testing the 'fastest' options we compared 13 money transfer providers. To test overall speed of sending money from Poland to Japan we included the timeframe for depositing Zloty to a money transfer account and average transfer times to Japan.

When sending money to Japan from Poland quickly is a priority, Regency FX is our recommended choice.

Sending large sums of money?

For transferring a bigger sum of money to Japan from Poland, we’d recommend using a provider that can offer a hands-on approach.

Of the
13 companies tested, Wise is the best rated for larger transfer amounts.

Whether for a property purchase, or as a gift, sending large amounts of money to Japan from Poland can be expensive.

Wise is our choice for big transfers to PLN because of all round price, speed and management when making large transfers.

Understanding the cost of moving money from Poland to Japan

The total cost of sending money to Japan from Poland, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for PLN-JPY is 39.8481 JPY per Zloty.

  • Finding a company offering an exchange rate closer to this will mean more Yen for your Zloty.

  • The average PLN-JPY mid-market rate for the last 7 days has been 39.9123 JPY per Zloty. This includes a high of 39.9452, and low of 39.8181.

  • Out of the 13 companies compared, Wise offers the best exchange rates.

  • The exchange rate you receive on converting PLN to JPY should be the biggest determining cost factor when transferring Zloty to Japan.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Key Currency has a fee of 0 PLN per transfer (which is the cheapest option right now for a zł30,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Yen eventually received in Japan.

A lower cost of sending from Poland will result in more money received in Japan.

How to find the best exchange rate for Zloty to Yen

Timing is essential for sending money between PLN and JPY. The exchange rate you secure impacts how much JPY you get for your PLN.

Mid-market Rate
1 
=
39.848103 
JPY

Let's dive into some interesting recent trends.

  • Over the past 7 days, the exchange rate from PLN to JPY has seen some fluctuation. On average, it stood at 39.9123.

  • During this period, the highest value recorded was 39.9452, while the lowest was 39.8181.

  • Wise, which is our recommended service to send money online from Poland to Japan offers an exchange rate that is only 0% above the mid-market rate.

Want to secure the best PLN-Yen exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Poland to Japan!

Paying for your Poland to
Japan money transfer

  • Bank transfers

    A bank transfer is often the default option for money transfers from Poland to Japan.

    By using a money transfer company such as Key Currency to send money from Poland to Japan, you can while benefit from lower fees and more favorable exchange rates than a bank would offer. 


    On average, Key Currency is the cheapest money transfer provider for bank transfers from the 13 we tested when sending PLN to Japan.

    With a fee of PLN0 to send money from Poland to Japan, Key Currency offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from Poland to Japan with a prepaid or debit card is very easy with .


    is a great choice for sending money with a debit card from Poland to Japan. This is from the 13 money transfer companies compared.

  • Credit cards

    When it comes to credit card money transfers from Poland to Japan there aren't that many options, mainly because it's more expensive.

    If you have to, we recommend running a quick comparison to get the best deal on JPY

    Be careful of fees: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Japan and Poland.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Poland to Japan.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send PLN to JPY.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy document.

Money transfer company reviews

How much money can be transferred from Poland to Japan?
Are there any tax implications to sending money from Poland to Japan?
Can I send money from Poland to Japan with MoneyTransfers.com?
What are the typical transfer fees for sending Zlotys to Japan through various providers?
How long does it take to send money from Poland to Japan?
What is the best exchange rate I can get for sending money from Poland to Japan?
Are there any minimum or maximum transfer amounts for sending money from Poland to Japan?
Can I schedule regular transfers between Poland and Japan?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is CEO at MoneyTransfers.com, with 10 years' experience building consumer products in finance, insurance & travel. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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