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Send Money To Poland

You need to be extra careful when sending money to Poland. If you want to get better deals on exchange rates, speed of transfer, and transaction fees, then this guide will help you gain a deeper understanding.

Updated: 01/10/2021
Read time: 17 minutes
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How To Transfer Money To Poland

Wondering how to send money to Poland? The process is simple and easy. Follow these steps to get started on the best ways to send money to Poland.

Step 1

Find a Trusted Provider

Our comparison table for sending money to internationally looks at your specific transfer needs to and from any country in the world. Use this to find a provider that provides the best all-round service for you.
Step 2

Register with your chosen provider

Most providers will be completely free to sign up to, simply requiring your name, address and contact information. In most cases, you’ll also need to upload a picture of a valid photo ID to verify your identity.
Step 3

Transfer Money

As soon as you're ready, you can start sending money online.

Ways To Send And Receive Money In Poland

If you are wondering how to send money to Poland, there are multiple ways but these will largely depend on the provider you decide to use. Below you will find everything you need to know about the best ways to send money to Poland.

Sending Money To Poland
Receiving Money In Poland

Ways to Send Money to Poland

Irrespective of the country you are domiciled in, there are three main ways you can send money to Poland. When it comes to deciding on how to send money to Poland, you may decide to use the mainstream banking system, the online money transfer services, or in-store cash transfers. Some providers also allow you to top up mobile phone airtime right from their platforms.

The Banking System

You can send money to Poland using international wire transfers. This is a much slower method, especially when sending money from outside Europe. Banks in Poland such as Millennium Bank, ING Bank, and PKO Bank process lots of remittances into Poland.

Apart from the high transaction fees banks charge, sending money through the banking system to Poland can take up to 5 days to process. This can be inconveniencing when sending money for emergencies.

Despite their reliability and strong institutional framework, banks tend to charge a higher margin above the mid-market rate. This means for every unit of the sending currency; you get less of the Poland złoty.

When sending large amounts of money and you fear that the exchange rate can move unpredictably, online money transfer service providers can help you lock in the rates or better still get an attractive forward rate.

Online Money Transfer Service

While the bank is an excellent channel to transfer funds to Poland, there are inherent disadvantages in the banking sector. However, while deciding on how to send money to Poland, online money transfer providers come in as the best alternative.

Companies such as Xendpay, CurrencyFair, TransferWise, OFX, WorldFirst, and Xoom have come in to even out the playground.  In October 2019, TransferWise announced that its customers in Poland would now be able to receive money directly into their bank accounts in Polish zloty.

Signing up for a transfer account with any of the above providers is a matter of minutes. Some may take a little longer to verify your details but it is nothing compared to the hassle in banks. After the account is open, you can pay for your transfer using a debit card, credit card, bank debit or bank transfer and send.

There are two main payout methods, cash pickup and direct bank deposit that you can choose. However, this varies with the provider. There are some who offer only a bank deposit as a payout option.

To make it easier to send and receive money, some online money transfer service providers have developed mobiles applications that are free to download on Google Play and App Store. Through these apps, you can send money, track transfers, add recipients, check exchange rates and even cancel transfers. This is another option you can consider while deciding on how to send money to Poland.

In-Store Cash Transfers

Western Union and MoneyGram are the main players in this space. Setting up is also very simple and you have the option of sending online or through an agent. If you prefer sending via an agent, you have the option of choosing cash pickup or direct bank deposit as payout methods.

Airtime Top-up

Through Xoom, you can reload prepaid mobile phones in Poland direct from the platform. Xoom works with 5 carriers in Poland to make this possible. They include Heyah, Orange, Play, Plus and Tak Tak. The recipient gets a text message informing him or her that they’ve received an airtime top-up.

What is Needed to Send Money to Poland

To successfully send money to Poland, money transfer operators require certain information and documents. Some of them may be needed only on the first transfer and subsequently the demands may reduce. Here is the information you need before you decide on how to send money to Poland:

  • A government issued-ID document. Depending on the country you are sending from, you can use a passport, social security card or driver’s license.
  • The recipient’s name as it appears on their legal documents
  • The recipient’s physical address and phone number
  • If you are sending directly to a bank account, the recipient bank details (bank name, branch and account number)
  • The amount of money you want to send, the transfer payment option and payout methods

Common Reasons for Sending Money to Poland

As noted in the opening paragraph, many Poles leave their country in search of employment and better lives abroad. Looking at how the remittances are used back home; some reasons stand out as the common push factors for sending money home.

Family Support

Some of the Poles in the diaspora still have their families in Poland. From time to time, they send money to support them or supplement up their incomes to enable them pay for household expenses. This has been shown by the rise in household spending due to increased disposable incomes.

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Mortgage Repayment

Many Polish homeowners are paying up foreign currency-denominated mortgages mostly in Swiss franc. These mortgages and other loans that are taken in between are some of the common reasons Poles in the diaspora send money regularly for repayment.

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Investment in Housing

Most Poles consider venturing abroad as an opportunity they cannot afford to waste. They use their earning to invest in building constructions and other real estate opportunities back home. The constructions are a mixture of private houses and homes for sale or rent.

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Many Poles living abroad support their siblings back home through education. They often send remittances in form of school fees to enable them stay in school or advance their education for better opportunities in future.

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Most Poles look forward to retiring at home. According to the Polish ambassador to the UK, only 27% of them have so far applied for settled status in the UK. This means many of them are looking forward to returning home at some point in the future. Some of the money they send home is to be used for savings and building of cash reserves.

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Pension Payments

Transferring pension from abroad to Poland is now easy with customised services offered by money transfer providers. Many Polish nationals are now sending pension payments back home in simple and cost-effective ways through providers such as OFX, Wise formerly known as TransferWise, Currencies Direct, and WorldFirst.

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Why Send Money with a Money Transfer Service?

If you live outside Poland and you’ve been using banks to transfer money to your family back home, chances are you have been paying high fees and experienced delays in delivery. Money transfer service providers come as a relief to help you with some of these inconveniences and costs.

High Exchange Rates

The margin above the midmarket rate that money transfer providers charge is about 2-3.5%. This is way low compared to what banks charge at 8%+. With high rates, you get more of the Polish złoty for every unit of the host currency you exchange.

Ease of Set-Up

Signing up for a money transfer account is simple and takes a few minutes. After providing all the information, you’ll be taken through a one-time verification process before being allowed to transact. You have several options for paying up for your transfer from using debit cards, credit cards, bank transfers or even cash deposits.

Multi-currency Support

The Polish diaspora is vast in terms of geographical spread. This calls for a money transfer solution that covers all these areas and currencies. Online money transfer services support lots of exotic and standard currencies. For instance, Western Union and MoneyGram provide support for more than 130 currencies. TransferWise, OFX, Xoom and many others cover 50+ global currencies. This makes it easier to convert any given currency to the Polish złoty during transfers.

Safety and Reliability

Online money transfer platforms support hundreds of thousands of transactions. They are equipped with top-end security features such as two-factor authentication (2FA) layers and other proprietary security solutions. Also, these platforms are regulated and monitored by global organisations such as the Financial Conduct Authority (FCA), the Financial Crimes Enforcement Network (FinCEN), and the Australian Securities and Investments Commission (ASIC). This guarantees the safety of your money as it is kept separate from the provider’s funds.

Transfer Speed

Depending on where you are sending from, transfers to Poland can be delivered in minutes or take up to 3 days at most with money transfer providers. If you pay for your transfer using a credit or debit card, the funds are delivered even faster.

Low Transaction Fees

Sending $150 from the United Kingdom to Poland using TransferWise can cost you only $1.20 in fees. Even the providers charging the highest rarely cross the $10 mark. Banks have been known to charge more than $20 even for transactions involving low amounts.

Things to Consider When Sending Money to Poland

Sending money back home to Poland is more of a social contract some Poles have with their families and friends. However, before you pay for your transfer and send, consider the following factors.

  • Limitation of Cash Settlements – Starting from July 1, 2017 transactions exceeding 15,000 Polish złoty are to be settled through the bank and not using cash. This threshold relates to the entire contract regardless of the number of payments it will be split into. Any taxpayer violating this limit will see their expenses disallowed for tax purposes.
  • Retirement Age and Pension Consolidation – Poland has instituted reforms to reduce the retirement age to 65 for men and 60 for women. In addition, the country has set up a network of advisors to inform beneficiaries about combining their work income and pensions. Also, low-income earners are now receiving a much higher tax-free allowance.
  • Improved Business Environment – In 2019, the corporate tax rate for SMEs in Poland was cut to 9% from the previous 15%. This comes with simplified VAT payments. In addition, startups are set to benefit from social contribution exemption for a period of 6 months and reduced tax rates for a period of 24 months. This is meant to attract investment into the country.

Therefore, sending money to Poland should not be a hassle for anyone in the diaspora. You only need to get the right information and compare across for providers offering attractive rates, low fees and faster transfers.

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Looking to Send Money Somewhere Else? 

Sending money anywhere else in the world is as easy as sending money to Poland. If you’re looking to send money to another country, here is the list of the most popular destinations.

Jonathan Merry

Jonathan is the founder and editor of MoneyTransfers.com. Jonathan is highly experienced in the currency transfer market, having previously worked in the FX trading industry, alongside being an avid traveller. Using his knowledge he identified a need for transparency and further education to help people save money on their money transfers, leading to the creation of MoneyTransfers.com