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

Get the best deals when you transfer from South Africa to Poland. Find the cheapest, fastest, and most reliable providers with the best ZAR to PLN exchange rates.

Read on for analysis on the best ways to send money to Poland from South Africa.

Transferring the other way? Send PLN from Poland to South Africa instead.
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July 5th, 2025
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Best money transfer companies

Send money from South Africa to Poland

Last updated: Today
Mid-market rate as of 07/05/2025: 1 ZAR = 0.204798 PLN
Results below are based on a 130000 ZAR search
0 of 8 providers
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (PLN)
zł 26,543.87
Full transfer details
Visit TorFx
zł 719 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
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (PLN)
zł 26,551.86
Full transfer details
Visit Regency FX
zł 727 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
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (PLN)
zł 26,557.18
Full transfer details
Visit Key Currency
zł 732 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: Special Rate for 1st Transfer
2
Currencyflow
Recipient gets (PLN)
zł 26,554.52
Full transfer details
Visit Currencyflow
zł 729 better than a typical bank*

"Currencyflow is a modern FX broker backed by industry veterans with 30+ years of currency trading experience. Contact the UK-based team for a free quote."

Personal account manager
Multi-currency card
Receive to bank account
Support via email, phone, live chat + WhatsApp
Exclusive: First Transfer Deal
3
Regency FX
Recipient gets (PLN)
zł 26,551.86
Full transfer details
Visit Regency FX
zł 727 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)
4
TorFx
Recipient gets (PLN)
zł 26,543.87
Full transfer details
Visit TorFx
zł 719 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
5
Currencies Direct
Recipient gets (PLN)
zł 26,442.00
Full transfer details
Visit Currencies Direct
zł 617 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
6
CurrencyFair
Recipient gets (PLN)
zł 26,360.50
Full transfer details
Visit CurrencyFair
zł 535 better than a typical bank*

"Securely send money to and from 150+ countries and 20+ currencies. Same-day transfers avaialble on most major currencies."

Personal account manager
Multi-currency card
Receive to bank account
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.
Lumon
Recipient gets (PLN)
zł 26,357.50
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (PLN)
    zł 25,756.49
    Not recommended
Sponsored
Rate match guarantee (T&Cs apply)
TorFx
Recipient gets (PLN)
zł 26,543.87
Full transfer details
Visit TorFx
zł 719 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
Sponsored
Exclusive: First Transfer Deal
Regency FX
Recipient gets (PLN)
zł 26,551.86
Full transfer details
Visit Regency FX
zł 727 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

Best option: Currencies Direct

Currencies Direct is our top choice for ZAR to PLN transfers.

We tested & reviewed 8 money transfer providers, and Currencies Direct scored highly in each category.

Transferring 130,000 ZAR to PLN will cost you R0 in fees, and your recipient will get 26,442 PLN.

For a great mix of cost, speed & features, transfer from South Africa to Zloty using Currencies Direct.

Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Poland (PLN) - Currencies Direct Screenshot 1
Currencies Direct is the top rated company for sending money from South Africa (ZAR) to Poland (PLN) - Currencies Direct Screenshot 2

Getting the best deal on your South Africa to Poland transfer

Summary of recent searches

Top rated for transfers from South Africa to Poland
Currencies Direct
Total number of ZA - PL providers
8
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Considerations ahead of sending money from South Africa to Poland

1
Compare providers

A comparison of providers offering services between South Africa and Poland, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

We’ve compared 8 providers that provide services for sending Rand to Poland. This ensures you will get the best options for your transfer to Poland from South Africa.

Whilst we rate Currencies Direct as the best overall, comparing gives you a comprehensive view of all the options for transferring money from South Africa to Poland.

2
Get ahead of the Rand-Zloty exchange rate
3
Choose the right payment method
4
Financial regulation in Poland and South Africa
5
Consider transfer limits
6
Receiving money in Poland
7
Have your ID ready
8
Tax declarations

Cheapest way to send money from South Africa to Poland: Key Currency

Key Currency offers the lowest cost transfers of the 8 compared.

Data collected for transfers between South Africa and Poland over the past week shows that Key Currency is 0.01% cheaper than the second-best option.

This cost combines an exchange rate between the Rand and Zloty that is 0.25% different to the mid-market rate and a fee of 0 ZAR.

Key Currency is the cheapest way to send money from South Africa (ZAR) to Poland (PLN) - Key Currency Screenshot

Fastest money transfers to Poland from South Africa: Currencyflow.

Of 8 money transfer companies offering services from South Africa to Poland, Currencyflow is the quickest way to send money.

With Currencyflow , the transfer time to Poland is minutes - 24 hours, with a 0 ZAR transfer fee (based on R130,000 transfer)

When testing the fastest options, we compared the 8 money transfer providers offering South Africa to Poland transfers for overall speed. This included transfer times to after depositing Rand to a money transfer account.

When you want the fastest way to send, Currencyflow is our recommended choice for South Africa to Poland transfers.

Currencyflow is the fastest way to send money from South Africa (ZAR) to Poland (PLN) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Poland from South Africa needs a strong exchange rate and effective transfer management.

From the
8 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Poland from South Africa.

Whatever the reason, sending large sums of money can be expensive if you get a bad exchange rate from Zlotys to Zloty.

As such, we recommend Currencies Direct for large Poland transfers.

Understanding the cost of sending money to Poland from South Africa

The cost of sending money from Poland to Poland, is made-up of a combination of fees and exchange rates:

The Mid-Market and Exchange Rates: The mid-market rate determines a mid-price for buying currency. The current mid-market rate from ZAR-PLN is 0.2047 PLN per Rand.

  • Finding a provider offering an exchange as close to 0.2047 as possible will ensure more Zloty received when transferring.

  • For context, the ZAR-PLN mid-market rate for the past 7 days has averaged 0.2049 PLN per Rand. This includes a high of 0.206, and low of 0.2035.

  • Key Currency currently offers the best exchange rate on transfers from South Africa to Poland.

For the most part the ZAR-PLN exchange rate you receive is the biggest factor impacting the cost of sending ZAR to Poland.

Fees: Outside of exchange rates, you may need to pay a fee to send. Key Currency currently offers the lowest fees on transfers to Poland from South Africa. They charge 0 ZAR per transfer.

Although this does include large transfers as well, we recommend searching for your exact send amount for an exact fee.

Amount Received: The amount received in Zloty is the amount you started with, minus the amount you paid in the exchange and fees.

The better deal you get on exchanging Rands to PLN, paired with a low fee, means a higher total amount received in Poland.

Getting best exchange rate for transfers between Rand and Zloty

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

Mid-market Rate
1 
=
0.204681 
PLN

The recent trends between the currencies are:

  • Over the past 7 days, the mid-market rate from ZAR to PLN has moved slightly. On average, it was 0.2049.

  • During this same period,there was a high of 0.206, and a low of 0.2035.

  • Currencies Direct, which is our recommended service to send money online from South Africa to Poland offers 0.2034 PLN per ZAR which is only 0.68% above the mid-market rate.

Want to secure the best ZAR-Zloty exchange rates?

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

Payment methods available to fund your South Africa to
Poland transfer

  • Bank transfers

    Bank transfers are often the default option for sending money from South Africa to Poland.

    By using a money transfer company such as Key Currency for transfers from South Africa to Poland, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


    On average, Key Currency is the cheapest provider for bank transfers from the 8 we tested when sending ZAR to Poland.

    With a fee of ZAR0 to send money from South Africa to Poland, Key Currency offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from South Africa to Poland with a debit or a prepaid card is very simple with .


    is a leader in debit card payments for transfers from South Africa to Poland, competing among a total of 8 active money transfer companies on this route.

  • Credit cards

    When it comes to credit card transfers from South Africa to Poland, we recommend comparing your options to get the best deal.

    Not many companies offer direct credit card deposits, and usually, it means taking a cash advance and using that for the deposit, which ends up more expensive.

    Fee alert: using a credit card to transfer money 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 Poland and South Africa.


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 South Africa to Poland.


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


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

Money transfer company reviews

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How long does it take to send money from South Africa to Poland?
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Are there any minimum or maximum transfer amounts for sending money from South Africa to Poland?
Can I schedule regular transfers between South Africa and Poland?

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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