How to send money to Poland from South Africa with the best ZAR-PLN rate

From the 6 money transfer services available, we found Key Currency to be the cheapest and Regency FX to be the fastest.You can send ZAR via bank transfer, and you can receive PLN via bank deposit.

Best companies for ZAR/PLN transfers

6 of 6 providers

Last updated on 28 October 2026

Based on 130,000 ZAR transfer

Best companies for ZAR/PLN transfers

Sort Cheapest
Promoted

TorFx

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2369 PLN +0.30% vs mid-market Recipient gets zł 30 802,46 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Poland with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 ZAR = 0.2369 PLN
zł 30 802,46You payR 130 000,00
Promoted

Key Currency

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2371 PLN +0.25% vs mid-market Recipient gets zł 30 817,91 Minutes - 3 days
Personal account managerReceive to bank account

Ways to receive money in Poland with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 ZAR = 0.2371 PLN
zł 30 817,91You payR 130 000,00

Run a live search

Showing top South Africa to Poland deals for 130,000 ZAR. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2371 PLN +0.25% vs mid-market Recipient gets zł 30 817,91 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in Poland with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 ZAR = 0.2371 PLN
zł 30 817,91You payR 130 000,00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2370 PLN +0.27% vs mid-market Recipient gets zł 30 811,73 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 ZAR = 0.2370 PLN
zł 30 811,73You payR 130 000,00

TorFx

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2369 PLN +0.30% vs mid-market Recipient gets zł 30 802,46 Minutes - 24 hours
FastestRecommended
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in Poland with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 ZAR = 0.2369 PLN
zł 30 802,46You payR 130 000,00

Currencies Direct

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2361 PLN +0.66% vs mid-market Recipient gets zł 30 693,00 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in Poland with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 ZAR = 0.2361 PLN
zł 30 693,00You payR 130 000,00

CurrencyFair

Pay via Bank transfer
Fee R 42,08 1 ZAR = 0.2356 PLN +0.87% vs mid-market Recipient gets zł 30 624,50 Minutes - 24 hours
Receive to bank account

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

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
R 42,081 ZAR = 0.2356 PLN
zł 30 624,50You payR 130 000,00

Moneycorp

Pay via Bank transfer
Fee R 0,00 1 ZAR = 0.2343 PLN +1.40% vs mid-market Recipient gets zł 30 462,62 Minutes - 2 days

Ways to receive money in Poland with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 ZAR = 0.2343 PLN
zł 30 462,62You payR 130 000,00
How Our Results Work
Mid-market rate: 1 ZAR = 0.2377 PLN Updates every 60 minutes.

How to send money from South Africa to Poland

Pick a company

For a one-off transfer to Poland, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 28 of the 28 days it quoted R130,000 transfers to Poland.

On a 130,000 ZAR 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 ZAR/PLN rate.

Fund your transfer

You have 1 ways to pay, including bank transfer.

PayShap is the quickest way to fund your transfer, though it caps at R50,000 a transaction.

Above that you're on a normal EFT, which is same-day or next-day rather than instant.

Verify and send

First time round you'll need your ID and proof of address.

Anything beyond your yearly allowance needs a tax number and clearance from SARS first, so check which side of that line you're on.

Compare amounts

How much ZAR are you sending to Poland?

How much ZAR you send to Poland 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 all the transfers it quoted over the past month.

Cheapest service
R 2 0000.64%R 0,00zł 472,00with bank transfer to bank deposit+zł 24,60
R 4 5000.86%R 42,12zł 1 049,52with bank transfer to bank deposit+zł 51,79
R 5 0000.64%R 0,00zł 1 180,50with bank transfer to bank deposit+zł 59,05
R 50 0000.27%R 0,00zł 11 848,52with bank transfer to bank deposit+zł 73,61
R 100 0000.27%R 0,00zł 23 707,02with bank transfer to bank deposit+zł 100,96
R 130 000This page0.25%R 0,00zł 30 817,91with bank transfer to bank deposit+zł 115,87

Mid-market rate: 1 ZAR = 0.2377 PLN

ZAR/PLN Exchange Rate History

Is today a good time to send money from South Africa to Poland?

The cheapest way to send ZAR to PLN 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 130,000 ZAR transfers to Poland.

PLN received for R 130 000, after fees

Wed, 28 Oct 2026Mid-market ratezł 30 895,15 Key Currency zł 30 817,91Key Currencyzł 30 817,91Regency FXzł 30 811,73TorFxzł 30 802,46

30 000
30 200
30 400
30 600
30 800
31 000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2344 – zł 30 473,04
Key Currency Cheapest 0.2338 R 0,00 zł 30 396,86 −zł 76,18
Regency FX 0.2338 R 0,00 zł 30 390,76 −zł 82,28
TorFx 0.2337 R 0,00 zł 30 381,62 −zł 91,42
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2348 – zł 30 519,45
Key Currency Cheapest 0.2342 R 0,00 zł 30 443,15 −zł 76,30
Regency FX 0.2341 R 0,00 zł 30 437,05 −zł 82,40
TorFx 0.2341 R 0,00 zł 30 427,89 −zł 91,56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2341 – zł 30 431,57
Key Currency Cheapest 0.2335 R 0,00 zł 30 355,49 −zł 76,08
Regency FX 0.2335 R 0,00 zł 30 349,40 −zł 82,17
TorFx 0.2334 R 0,00 zł 30 340,28 −zł 91,29
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2333 – zł 30 330,17
Key Currency Cheapest 0.2327 R 0,00 zł 30 254,34 −zł 75,83
Regency FX 0.2327 R 0,00 zł 30 248,28 −zł 81,89
TorFx 0.2326 R 0,00 zł 30 239,18 −zł 90,99
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2339 – zł 30 407,91
Key Currency Cheapest 0.2333 R 0,00 zł 30 331,89 −zł 76,02
Regency FX 0.2333 R 0,00 zł 30 325,81 −zł 82,10
TorFx 0.2332 R 0,00 zł 30 316,69 −zł 91,22
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2339 – zł 30 408,04
Key Currency Cheapest 0.2333 R 0,00 zł 30 332,02 −zł 76,02
Regency FX 0.2333 R 0,00 zł 30 325,94 −zł 82,10
TorFx 0.2332 R 0,00 zł 30 316,82 −zł 91,22
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2347 – zł 30 508,01
Key Currency Cheapest 0.2341 R 0,00 zł 30 431,74 −zł 76,27
Regency FX 0.2340 R 0,00 zł 30 425,64 −zł 82,37
TorFx 0.2340 R 0,00 zł 30 416,49 −zł 91,52
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2349 – zł 30 541,68
Key Currency Cheapest 0.2343 R 0,00 zł 30 465,33 −zł 76,35
Regency FX 0.2343 R 0,00 zł 30 459,22 −zł 82,46
TorFx 0.2342 R 0,00 zł 30 450,05 −zł 91,63
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2350 – zł 30 545,84
Key Currency Cheapest 0.2344 R 0,00 zł 30 469,48 −zł 76,36
Regency FX 0.2343 R 0,00 zł 30 463,37 −zł 82,47
TorFx 0.2343 R 0,00 zł 30 454,20 −zł 91,64
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2345 – zł 30 486,82
Key Currency Cheapest 0.2339 R 0,00 zł 30 410,60 −zł 76,22
Regency FX 0.2339 R 0,00 zł 30 404,51 −zł 82,31
TorFx 0.2338 R 0,00 zł 30 395,36 −zł 91,46
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Currencies Direct Cheapest 0.2344 R 0,00 zł 30 472,00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2371 – zł 30 823,00
Key Currency Cheapest 0.2365 R 0,00 zł 30 745,94 −zł 77,06
Regency FX 0.2365 R 0,00 zł 30 739,78 −zł 83,22
TorFx 0.2364 R 0,00 zł 30 730,53 −zł 92,47
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2371 – zł 30 823,00
Key Currency Cheapest 0.2365 R 0,00 zł 30 745,94 −zł 77,06
Regency FX 0.2365 R 0,00 zł 30 739,78 −zł 83,22
TorFx 0.2364 R 0,00 zł 30 730,53 −zł 92,47
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2373 – zł 30 847,05
Key Currency Cheapest 0.2367 R 0,00 zł 30 769,93 −zł 77,12
Regency FX 0.2366 R 0,00 zł 30 763,76 −zł 83,29
TorFx 0.2366 R 0,00 zł 30 754,51 −zł 92,54
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2380 – zł 30 940,39
Key Currency Cheapest 0.2374 R 0,00 zł 30 863,04 −zł 77,35
Regency FX 0.2374 R 0,00 zł 30 856,85 −zł 83,54
TorFx 0.2373 R 0,00 zł 30 847,57 −zł 92,82
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2367 – zł 30 775,16
Key Currency Cheapest 0.2361 R 0,00 zł 30 698,22 −zł 76,94
Regency FX 0.2361 R 0,00 zł 30 692,07 −zł 83,09
TorFx 0.2360 R 0,00 zł 30 682,83 −zł 92,33
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2354 – zł 30 608,37
Key Currency Cheapest 0.2349 R 0,00 zł 30 531,85 −zł 76,52
Regency FX 0.2348 R 0,00 zł 30 525,73 −zł 82,64
TorFx 0.2347 R 0,00 zł 30 516,54 −zł 91,83
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2363 – zł 30 722,12
Key Currency Cheapest 0.2357 R 0,00 zł 30 645,31 −zł 76,81
Regency FX 0.2357 R 0,00 zł 30 639,17 −zł 82,95
TorFx 0.2356 R 0,00 zł 30 629,95 −zł 92,17
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2357 – zł 30 645,81
Key Currency Cheapest 0.2351 R 0,00 zł 30 569,20 −zł 76,61
Regency FX 0.2351 R 0,00 zł 30 563,07 −zł 82,74
TorFx 0.2350 R 0,00 zł 30 553,87 −zł 91,94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2357 – zł 30 645,81
Key Currency Cheapest 0.2351 R 0,00 zł 30 569,20 −zł 76,61
Regency FX 0.2351 R 0,00 zł 30 563,07 −zł 82,74
TorFx 0.2350 R 0,00 zł 30 553,87 −zł 91,94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2369 – zł 30 798,30
Key Currency Cheapest 0.2363 R 0,00 zł 30 721,30 −zł 77,00
Regency FX 0.2363 R 0,00 zł 30 715,14 −zł 83,16
TorFx 0.2362 R 0,00 zł 30 705,91 −zł 92,39
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2373 – zł 30 850,95
Key Currency Cheapest 0.2367 R 0,00 zł 30 773,82 −zł 77,13
Regency FX 0.2367 R 0,00 zł 30 767,65 −zł 83,30
TorFx 0.2366 R 0,00 zł 30 758,40 −zł 92,55
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2370 – zł 30 816,24
Key Currency Cheapest 0.2365 R 0,00 zł 30 739,20 −zł 77,04
Regency FX 0.2364 R 0,00 zł 30 733,04 −zł 83,20
TorFx 0.2363 R 0,00 zł 30 723,79 −zł 92,45
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2357 – zł 30 646,72
Key Currency Cheapest 0.2352 R 0,00 zł 30 570,10 −zł 76,62
Regency FX 0.2351 R 0,00 zł 30 563,97 −zł 82,75
TorFx 0.2350 R 0,00 zł 30 554,78 −zł 91,94
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2367 – zł 30 777,37
Key Currency Cheapest 0.2362 R 0,00 zł 30 700,43 −zł 76,94
Regency FX 0.2361 R 0,00 zł 30 694,27 −zł 83,10
TorFx 0.2360 R 0,00 zł 30 685,04 −zł 92,33
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Currencies Direct Cheapest 0.2350 R 0,00 zł 30 550,00 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2371 – zł 30 825,86
Key Currency Cheapest 0.2365 R 0,00 zł 30 748,80 −zł 77,06
Regency FX 0.2365 R 0,00 zł 30 742,63 −zł 83,23
TorFx 0.2364 R 0,00 zł 30 733,38 −zł 92,48
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2366 – zł 30 753,06
Key Currency Cheapest 0.2360 R 0,00 zł 30 676,18 −zł 76,88
Regency FX 0.2359 R 0,00 zł 30 670,03 −zł 83,03
TorFx 0.2359 R 0,00 zł 30 660,80 −zł 92,26
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2369 – zł 30 794,53
Key Currency Cheapest 0.2363 R 0,00 zł 30 717,54 −zł 76,99
Regency FX 0.2362 R 0,00 zł 30 711,38 −zł 83,15
TorFx 0.2362 R 0,00 zł 30 702,15 −zł 92,38
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.2377 – zł 30 895,15
Key Currency Cheapest 0.2371 R 0,00 zł 30 817,91 −zł 77,24
Regency FX 0.2370 R 0,00 zł 30 811,73 −zł 83,42
TorFx 0.2369 R 0,00 zł 30 802,46 −zł 92,69

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send R 130 000, after fees, as quoted by each company. The mid-market line shows what R 130 000 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 PLN per ZAR 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 PLN on every transfer from South Africa.

Right now, Key Currency pays 30,817.91 PLN on 130,000 ZAR, which is 77.24 PLN less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 30,863.04 PLN.

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 Poland.

We've tracked 124 comparisons to check how often today's top companies were the cheapest across 6 amounts over the past month.

  1. Key CurrencyAppeared in 28 comparisons

    Cheapest every time

  2. Regency FXAppeared in 43 comparisons

    Cheapest in 35% of them

  3. TorFxAppeared in 44 comparisons

    Never the cheapest

Based on 124 comparisons across 6 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 South Africa to Poland

6 companies send money from South Africa to Poland.

Frequent transfers from South Africa

Online transfers

Apps and online services are best for recurring transfers to Poland.

Moneycorp is the cheapest option.

It will get you 30,462.62 PLN on a R130,000 transfer.

For fast transfers, Moneycorp is a good option, it will deliver PLN in minutes - 2 days.

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

Most companies will let you fund your transfer by EFT, and will ask for your FICA details.

Emigration and large transfers

Currency brokers

Currency brokers are great for large transfers from South Africa to Poland.

They have no fees and add a markup on top of ZAR/PLN rate.

Key Currency charges an exchange-rate markup of around 0.25% and no fees.

Our analysis shows Key Currency was the cheapest broker in 100% of all the transfers it quoted.

Also, don’t forget about the R2 million limits on transfers from South Africa (more below).

For business payments abroad

Global accounts

Global accounts like Airwallex, Veem or Payoneer help South African businesses make recurring payments to suppliers and contractors in Poland.

Ways to fund ZAR and receive PLN in Poland

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending R130,000 gives your recipient 30,817.91 PLN.

You can fund the transfer with bank transfer.

To receive PLN in Poland, your recipient can use bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay R130,000.00

    zł30,818

    Cheapest

Consider this when sending ZAR to Poland

South African exchange control dictates how much you can move and which paperwork you need. The exchange-rate margin then decides whether a bank, an online money transfer company or a forex specialist is cheaper.

Compare ZAR/PLN transfer options

For a ZAR 130,000 transfer to Poland, the current best options are:

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 30,817.91 PLN, which is 0.02% more than the next best option.

The fastest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 30,811.73 PLN in minutes - 24 hours.

R2 million allowance

South African residents aged 18 or older can use the single discretionary allowance to transfer up to R2 million per calendar year for legal purposes abroad without a SARS tax-compliance PIN.

A further foreign capital allowance of up to R10 million is available with an Approval International Transfer PIN from SARS.

Amounts above the allowances need specific approval through an authorised dealer.

The allowances cover more than money transfers.

Foreign card spending and other qualifying use can reduce what remains, so check your year-to-date total before making payments.

The SARB Financial Surveillance guidance explains how the allowances can be used.

Get the purpose code right

Every legal cross-border payment in rand passes through an authorised dealer and carries a balance-of-payments purpose code.

A bank, transfer company or forex specialist may handle the form, but you are still responsible for giving the right reason.

Keep any relevant documents on hand, such as the property sale agreement, emigration documents, tuition invoice, proof of savings, etc.

For an emigration transfer, a specialist service can be useful because the AIT paperwork matters as much as the rate.

A gift can create donations tax

For the 2026/27 tax year, a natural person can make up to R150,000 of donations each year before donations tax applies.

The donor generally pays 20% on taxable donations up to the first R30 million of cumulative taxable gifts.

Payments between spouses and reasonable maintenance payments can be exempt.

A large family transfer should be classified before sending, rather than treated as tax-free because the recipient lives abroad.

Only use authorised companies

Search the company or its FSP number in the FSCA register.

Never move a transfer to crypto or a personal account to bypass exchange control.

Keep the quote, purpose-code confirmation and proof of payment until the recipient has the money.

How we analyse the market

Every rand that leaves South Africa goes through an authorised dealer, and every company here is FSCA-registered.

We track 6 of them on ZAR to Poland, comparing rates, fees and the pay-in and payout options in real time on live comparisons.

In the past 30 days alone, we analysed 124 comparisons across 6 amounts.

This page covers the cheapest and fastest options for ZAR/PLN 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.

Nothing appears without passing our review.

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