We’ve compared 12 companies, and found Key Currency to be the cheapest, while Revolut is the fastest.
Sending £10,000 gets you zł52,475.94 with Key Currency at 5.2476 PLN per GBP, about 0.02% more than the next best option.
| 13 of 13 providers Last updated on 28 October 2026 | |||
| Based on 10,000 GBP transfer Best companies for GBP/PLN transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee £39.59 1 GBP = 5.2608 PLN 0.00% vs mid-market | Recipient gets zł 52,399.72 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer £39.591 GBP = 5.2608 PLN zł 52,399.72You pay£10,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee £0.00 1 GBP = 5.2226 PLN +0.73% vs mid-market | Recipient gets zł 52,226.00 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2226 PLN zł 52,226.00You pay£10,000.00 | |||
Run a live search Showing top United Kingdom to Poland deals for 10,000 GBP. 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 GBP to PLN rates. | |||
Run a live search These companies offer multi-currency accounts for spending PLN. We suggest doing a live search based on how much GBP you're planning to spend in Poland. | |||
Run a live search These are managed services with real human support for large GBP 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 1 GBP = 5.2476 PLN +0.25% vs mid-market | Recipient gets zł 52,475.94 Minutes - 3 days | |
Ways to receive money in Poland with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 GBP = 5.2476 PLN zł 52,475.94You pay£10,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee £0.00 1 GBP = 5.2465 PLN +0.27% vs mid-market | Recipient gets zł 52,465.42 Minutes - 24 hours | |
Ways to receive money in Poland with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2465 PLN zł 52,465.42You pay£10,000.00 | |||
 TorFx Pay via Bank transfer | Fee £0.00 1 GBP = 5.2455 PLN +0.29% vs mid-market | Recipient gets zł 52,454.90 Minutes - 24 hours | |
Ways to receive money in Poland with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2455 PLN zł 52,454.90You pay£10,000.00 | |||
| Wise Pay via Bank transfer | Fee £39.59 1 GBP = 5.2608 PLN 0.00% vs mid-market | Recipient gets zł 52,399.72 Same day | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer £39.591 GBP = 5.2608 PLN zł 52,399.72You pay£10,000.00 | |||
 OFX Pay via Bank transfer | Fee £0.00 1 GBP = 5.2344 PLN +0.50% vs mid-market | Recipient gets zł 52,344.42 Minutes - 24 hours | |
Ways to receive money in Poland with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2344 PLN zł 52,344.42You pay£10,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee £0.00 1 GBP = 5.2276 PLN +0.63% vs mid-market | Recipient gets zł 52,276.00 Minutes - 24 hours | |
Ways to receive money in Poland with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2276 PLN zł 52,276.00You pay£10,000.00 | |||
| Wise Pay via Debit card | Fee £71.23 1 GBP = 5.2608 PLN 0.00% vs mid-market | Recipient gets zł 52,233.27 Same day | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer £71.231 GBP = 5.2608 PLN zł 52,233.27You pay£10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee £1.90 1 GBP = 5.2240 PLN +0.70% vs mid-market | Recipient gets zł 52,230.00 Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours £1.901 GBP = 5.2240 PLN zł 52,230.00You pay£10,000.00 | |||
| Xe Pay via Debit card | Fee £0.00 1 GBP = 5.2226 PLN +0.73% vs mid-market | Recipient gets zł 52,226.00 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2226 PLN zł 52,226.00You pay£10,000.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 5.2226 PLN +0.73% vs mid-market | Recipient gets zł 52,226.00 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2226 PLN zł 52,226.00You pay£10,000.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 5.2226 PLN +0.73% vs mid-market | Recipient gets zł 52,226.00 Minutes - 24 hours | |
Ways to receive money in Poland with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 GBP = 5.2226 PLN zł 52,226.00You pay£10,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee £4.99 1 GBP = 5.2103 PLN +0.96% vs mid-market | Recipient gets zł 52,103.00 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by debit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card £4.991 GBP = 5.2103 PLN zł 52,103.00You pay£10,004.99 Cash pickupMinutes - 24 hours £4.991 GBP = 5.1804 PLN zł 51,804.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 5.1682 PLN zł 51,682.00You pay£10,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £4.99 1 GBP = 5.2103 PLN +0.96% vs mid-market | Recipient gets zł 52,103.00 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by credit card. MethodFee & ratesRecipient gets Card depositMinutes - 24 hoursAvailable via:Bank Debit Card £4.991 GBP = 5.2103 PLN zł 52,103.00You pay£10,004.99 Cash pickupMinutes - 24 hours £4.991 GBP = 5.1804 PLN zł 51,804.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 5.1682 PLN zł 51,682.00You pay£10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee £90.60 1 GBP = 5.2512 PLN +0.18% vs mid-market | Recipient gets zł 52,036.12 Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes £90.601 GBP = 5.2512 PLN zł 52,036.12You pay£10,000.00 | |||
| 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 1 GBP = 5.1924 PLN +1.30% vs mid-market | Recipient gets zł 51,923.56 Minutes - 2 days | |
Ways to receive money in Poland with Moneycorp when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 2 days Free1 GBP = 5.1924 PLN zł 51,923.56You pay£10,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee £4.99 1 GBP = 5.1804 PLN +1.54% vs mid-market | Recipient gets zł 51,804.00 Minutes - 24 hours | |
Ways to receive money in Poland with MoneyGram when paying by bank transfer. MethodFee & ratesRecipient gets Cash pickupMinutes - 24 hours £4.991 GBP = 5.1804 PLN zł 51,804.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 5.1714 PLN zł 51,714.00You pay£10,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee £160.00 1 GBP = 5.2512 PLN +0.18% vs mid-market | Recipient gets zł 51,671.68 Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes £160.001 GBP = 5.2512 PLN zł 51,671.68You pay£10,000.00 | |||
| 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. | |||
 Opal Transfer Pay via Bank transfer | Fee £3.00 1 GBP = 5.1300 PLN +2.52% vs mid-market | Recipient gets zł 51,284.61 Minutes - 24 hours | |
Ways to receive money in Poland with Opal Transfer when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours £3.001 GBP = 5.1300 PLN zł 51,284.61You pay£10,000.00 | |||
| Wise Pay via Credit card | Fee £260.77 1 GBP = 5.2608 PLN 0.00% vs mid-market | Recipient gets zł 51,236.14 Same day | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer £260.771 GBP = 5.2608 PLN zł 51,236.14You pay£10,000.00 | |||
 Barclays Pay via Bank transfer | Fee £0.00 1 GBP = 5.1150 PLN +2.81% vs mid-market | Recipient gets zł 51,150.44 Minutes - 5 days | |
Ways to receive money in Poland with Barclays when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days Free1 GBP = 5.1150 PLN zł 51,150.44You pay£10,000.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 5.2607 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off GBP transfer to Poland, I suggest picking the cheapest option which is Key Currency.
Key Currency was the cheapest on 27 of the 30 days it quoted £10,000 transfers to Poland.
On a 10,000 GBP 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 GBP/PLN rate.
You have 3 ways to pay, including bank transfer, debit card, and credit card.
Paying from your bank is usually both cheapest and quickest, since most companies connect straight into your banking app via Open Banking.
Anywhere a debit card works, Apple Pay and Google Pay usually do too.
First time round you'll need to confirm your name, date of birth, address and a photo ID.
On a £10,000 transfer it's normally instant but can take a couple of hours.
How much GBP 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 90% of the transfers from £6,000 it quoted, and in 90% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| £500 | -0.16% | £0.00 | zł 2,634.70with bank transfer to bank deposit | +zł 38.70 | |
| £1,000 | 0.12% | £0.00 | zł 5,255.00with bank transfer to bank deposit | +zł 60.00 | |
| £2,000 | 0.28% | £0.00 | zł 10,493.60with bank transfer to bank deposit | +zł 83.22 | |
| £6,000 | 0.25% | £0.00 | zł 31,505.58with bank transfer to bank deposit | +zł 279.26 | |
| £10,000This page | 0.25% | £0.00 | zł 52,475.94with bank transfer to bank deposit | +zł 432.43 | |
| £50,000 | 0.20% | £0.00 | zł 262,545.81with bank transfer to bank deposit | +zł 1,753.33 | |
| £250,000 | 0.15% | £0.00 | zł 1,312,904.93with bank transfer to bank deposit | +zł 8,770.70 |
Mid-market rate: 1 GBP = 5.2607 PLN
The cheapest way to send GBP 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 10,000 GBP transfers to Poland.
Wed, 28 Oct 2026Mid-market ratezł 52,607.46 Key Currency zł 52,475.94 Barclays zł 51,150.44Key Currencyzł 52,475.94Regency FXzł 52,465.42TorFxzł 52,454.90Extra cost of a bankzł 1,325.50
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.0947 | – | zł 50,947.29 | |
| | 5.0820 | £0.00 | zł 50,819.92 | −zł 127.37 |
| | 5.0810 | £0.00 | zł 50,809.73 | −zł 137.56 |
| | 5.0800 | £0.00 | zł 50,799.54 | −zł 147.75 |
| | 4.9564 | £0.00 | zł 49,563.96 | −zł 1,383.33 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1000 | – | zł 50,999.86 | |
| | 5.0872 | £0.00 | zł 50,872.36 | −zł 127.50 |
| | 5.0862 | £0.00 | zł 50,862.16 | −zł 137.70 |
| | 5.0852 | £0.00 | zł 50,851.96 | −zł 147.90 |
| | 4.9564 | £0.00 | zł 49,563.96 | −zł 1,435.90 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1074 | – | zł 51,074.13 | |
| | 5.0946 | £0.00 | zł 50,946.44 | −zł 127.69 |
| | 5.0936 | £0.00 | zł 50,936.23 | −zł 137.90 |
| | 5.0926 | £0.00 | zł 50,926.02 | −zł 148.11 |
| | 4.9688 | £0.00 | zł 49,688.13 | −zł 1,386.00 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1346 | – | zł 51,346.07 | |
| | 5.1218 | £0.00 | zł 51,217.70 | −zł 128.37 |
| | 5.1207 | £0.00 | zł 51,207.44 | −zł 138.63 |
| | 5.1197 | £0.00 | zł 51,197.17 | −zł 148.90 |
| | 4.9688 | £0.00 | zł 49,688.13 | −zł 1,657.94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1591 | – | zł 51,591.42 | |
| | 5.1462 | £0.00 | zł 51,462.44 | −zł 128.98 |
| | 5.1452 | £0.00 | zł 51,452.12 | −zł 139.30 |
| | 5.1442 | £0.00 | zł 51,441.80 | −zł 149.62 |
| | 5.0195 | £0.00 | zł 50,195.25 | −zł 1,396.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1465 | – | zł 51,464.81 | |
| | 5.1600 | £39.59 | zł 51,395.32 | −zł 69.49 |
| | 5.1336 | £0.00 | zł 51,336.15 | −zł 128.66 |
| | 5.1326 | £0.00 | zł 51,325.86 | −zł 138.95 |
| | 5.1316 | £0.00 | zł 51,315.56 | −zł 149.25 |
| | 5.0195 | £0.00 | zł 50,195.25 | −zł 1,269.56 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1758 | – | zł 51,758.20 | |
| | 5.1629 | £0.00 | zł 51,628.80 | −zł 129.40 |
| | 5.1618 | £0.00 | zł 51,618.45 | −zł 139.75 |
| | 5.1608 | £0.00 | zł 51,608.10 | −zł 150.10 |
| | 5.0374 | £0.00 | zł 50,374.14 | −zł 1,384.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1628 | – | zł 51,627.55 | |
| | 5.1498 | £0.00 | zł 51,498.48 | −zł 129.07 |
| | 5.1488 | £0.00 | zł 51,488.16 | −zł 139.39 |
| | 5.1478 | £0.00 | zł 51,477.83 | −zł 149.72 |
| | 5.0215 | £0.00 | zł 50,215.38 | −zł 1,412.17 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1644 | – | zł 51,643.93 | |
| | 5.1515 | £0.00 | zł 51,514.82 | −zł 129.11 |
| | 5.1504 | £0.00 | zł 51,504.49 | −zł 139.44 |
| | 5.1494 | £0.00 | zł 51,494.16 | −zł 149.77 |
| | 5.0215 | £0.00 | zł 50,215.38 | −zł 1,428.55 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1617 | – | zł 51,617.31 | |
| | 5.1488 | £0.00 | zł 51,488.27 | −zł 129.04 |
| | 5.1478 | £0.00 | zł 51,477.94 | −zł 139.37 |
| | 5.1468 | £0.00 | zł 51,467.62 | −zł 149.69 |
| | 5.0207 | £0.00 | zł 50,207.03 | −zł 1,410.28 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1591 | – | zł 51,591.05 | |
| | 5.1462 | £0.00 | zł 51,462.07 | −zł 128.98 |
| | 5.1452 | £0.00 | zł 51,451.75 | −zł 139.30 |
| | 5.1441 | £0.00 | zł 51,441.44 | −zł 149.61 |
| | 5.0207 | £0.00 | zł 50,207.03 | −zł 1,384.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1866 | – | zł 51,865.68 | |
| | 5.1736 | £0.00 | zł 51,736.02 | −zł 129.66 |
| | 5.1726 | £0.00 | zł 51,725.64 | −zł 140.04 |
| | 5.1715 | £0.00 | zł 51,715.27 | −zł 150.41 |
| | 5.0404 | £0.00 | zł 50,403.71 | −zł 1,461.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1866 | – | zł 51,865.68 | |
| | 5.1736 | £0.00 | zł 51,736.02 | −zł 129.66 |
| | 5.1726 | £0.00 | zł 51,725.64 | −zł 140.04 |
| | 5.1715 | £0.00 | zł 51,715.27 | −zł 150.41 |
| | 5.0404 | £0.00 | zł 50,403.71 | −zł 1,461.97 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1894 | – | zł 51,893.65 | |
| | 5.1764 | £0.00 | zł 51,763.92 | −zł 129.73 |
| | 5.1754 | £0.00 | zł 51,753.54 | −zł 140.11 |
| | 5.1743 | £0.00 | zł 51,743.16 | −zł 150.49 |
| | 5.0442 | £0.00 | zł 50,442.43 | −zł 1,451.22 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1900 | – | zł 51,899.73 | |
| | 5.1770 | £0.00 | zł 51,769.98 | −zł 129.75 |
| | 5.1760 | £0.00 | zł 51,759.60 | −zł 140.13 |
| | 5.1749 | £0.00 | zł 51,749.22 | −zł 150.51 |
| | 5.0490 | £0.00 | zł 50,490.09 | −zł 1,409.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1700 | – | zł 51,700.44 | |
| | 5.1571 | £0.00 | zł 51,571.19 | −zł 129.25 |
| | 5.1561 | £0.00 | zł 51,560.85 | −zł 139.59 |
| | 5.1551 | £0.00 | zł 51,550.51 | −zł 149.93 |
| | 5.0302 | £0.00 | zł 50,302.15 | −zł 1,398.29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1662 | – | zł 51,662.48 | |
| | 5.1533 | £0.00 | zł 51,533.32 | −zł 129.16 |
| | 5.1523 | £0.00 | zł 51,522.99 | −zł 139.49 |
| | 5.1513 | £0.00 | zł 51,512.66 | −zł 149.82 |
| | 5.0161 | £0.00 | zł 50,160.60 | −zł 1,501.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1794 | – | zł 51,794.19 | |
| | 5.1665 | £0.00 | zł 51,664.70 | −zł 129.49 |
| | 5.1654 | £0.00 | zł 51,654.35 | −zł 139.84 |
| | 5.1644 | £0.00 | zł 51,643.99 | −zł 150.20 |
| | 5.0161 | £0.00 | zł 50,160.60 | −zł 1,633.59 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1700 | – | zł 51,700.12 | |
| | 5.1828 | £39.59 | zł 51,622.41 | −zł 77.71 |
| | 5.1571 | £0.00 | zł 51,570.87 | −zł 129.25 |
| | 5.1561 | £0.00 | zł 51,560.53 | −zł 139.59 |
| | 5.1550 | £0.00 | zł 51,550.19 | −zł 149.93 |
| | 5.0412 | £0.00 | zł 50,412.40 | −zł 1,287.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1700 | – | zł 51,700.12 | |
| | 5.1828 | £39.59 | zł 51,622.41 | −zł 77.71 |
| | 5.1571 | £0.00 | zł 51,570.87 | −zł 129.25 |
| | 5.1561 | £0.00 | zł 51,560.53 | −zł 139.59 |
| | 5.1550 | £0.00 | zł 51,550.19 | −zł 149.93 |
| | 5.0412 | £0.00 | zł 50,412.40 | −zł 1,287.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1903 | – | zł 51,902.71 | |
| | 5.1773 | £0.00 | zł 51,772.95 | −zł 129.76 |
| | 5.1763 | £0.00 | zł 51,762.57 | −zł 140.14 |
| | 5.1752 | £0.00 | zł 51,752.19 | −zł 150.52 |
| | 5.0470 | £0.00 | zł 50,470.09 | −zł 1,432.62 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1970 | – | zł 51,970.15 | |
| | 5.1840 | £0.00 | zł 51,840.22 | −zł 129.93 |
| | 5.1830 | £0.00 | zł 51,829.83 | −zł 140.32 |
| | 5.1819 | £0.00 | zł 51,819.44 | −zł 150.71 |
| | 5.0537 | £0.00 | zł 50,537.30 | −zł 1,432.85 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2031 | – | zł 52,031.10 | |
| | 5.1901 | £0.00 | zł 51,901.02 | −zł 130.08 |
| | 5.1891 | £0.00 | zł 51,890.62 | −zł 140.48 |
| | 5.1880 | £0.00 | zł 51,880.21 | −zł 150.89 |
| | 5.0537 | £0.00 | zł 50,537.30 | −zł 1,493.80 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.1962 | – | zł 51,961.54 | |
| | 5.1832 | £0.00 | zł 51,831.64 | −zł 129.90 |
| | 5.1821 | £0.00 | zł 51,821.24 | −zł 140.30 |
| | 5.1811 | £0.00 | zł 51,810.85 | −zł 150.69 |
| | 5.0495 | £0.00 | zł 50,494.66 | −zł 1,466.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2519 | – | zł 52,518.99 | |
| | 5.2388 | £0.00 | zł 52,387.69 | −zł 131.30 |
| | 5.2377 | £0.00 | zł 52,377.19 | −zł 141.80 |
| | 5.2367 | £0.00 | zł 52,366.68 | −zł 152.31 |
| | 5.0840 | £0.00 | zł 50,840.47 | −zł 1,678.52 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2562 | – | zł 52,561.66 | |
| | 5.2430 | £0.00 | zł 52,430.26 | −zł 131.40 |
| | 5.2420 | £0.00 | zł 52,419.74 | −zł 141.92 |
| | 5.2409 | £0.00 | zł 52,409.23 | −zł 152.43 |
| | 5.0840 | £0.00 | zł 50,840.47 | −zł 1,721.19 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2562 | – | zł 52,561.66 | |
| | 5.2430 | £0.00 | zł 52,430.26 | −zł 131.40 |
| | 5.2420 | £0.00 | zł 52,419.74 | −zł 141.92 |
| | 5.2409 | £0.00 | zł 52,409.23 | −zł 152.43 |
| | 5.1148 | £0.00 | zł 51,147.57 | −zł 1,414.09 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2501 | – | zł 52,500.62 | |
| | 5.2369 | £0.00 | zł 52,369.37 | −zł 131.25 |
| | 5.2359 | £0.00 | zł 52,358.87 | −zł 141.75 |
| | 5.2348 | £0.00 | zł 52,348.37 | −zł 152.25 |
| | 5.1148 | £0.00 | zł 51,147.57 | −zł 1,353.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2583 | – | zł 52,582.98 | |
| | 5.2452 | £0.00 | zł 52,451.52 | −zł 131.46 |
| | 5.2441 | £0.00 | zł 52,441.01 | −zł 141.97 |
| | 5.2430 | £0.00 | zł 52,430.49 | −zł 152.49 |
| | 5.1160 | £0.00 | zł 51,160.22 | −zł 1,422.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 5.2607 | – | zł 52,607.46 | |
| | 5.2476 | £0.00 | zł 52,475.94 | −zł 131.52 |
| | 5.2465 | £0.00 | zł 52,465.42 | −zł 142.04 |
| | 5.2455 | £0.00 | zł 52,454.90 | −zł 152.56 |
| | 5.1150 | £0.00 | zł 51,150.44 | −zł 1,457.02 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 5.2607 | – | zł 52,607.46 | |
|---|---|---|---|---|
| Bank No quote collected this day | – | – | – | – |
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Each line shows what the recipient gets when you send £10,000, after fees, as quoted by each company. The mid-market line shows what £10,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.
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 GBP 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 UK.
Right now, Key Currency pays 52,475.94 PLN on 10,000 GBP, which is 131.52 PLN less than the mid-market amount.
Today's payout is the highest in the past month.
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 196 comparisons to check how often today's top companies were the cheapest across 7 amounts over the past month.
Cheapest every time
Never the cheapest
Never the cheapest
Never the cheapest
Based on 49 comparisons across 7 amounts over the last 7 days.
Cheapest in 90% of them
Never the cheapest
Never the cheapest
Never the cheapest
Based on 196 comparisons across 7 amounts over the last 30 days.
Cheapest in 94% of them
Never the cheapest
Never the cheapest
Never the cheapest
Based on 506 comparisons across 7 amounts over the last 90 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 and gets you the most PLN, and it was also the cheapest in 90% of the 106 comparisons it appeared in over the past month.
It's a good pick for both one-off and regular transfers to Poland.
Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Poland.
There are many ways to send money to Poland from the UK, including broker, online, app, multi-currency account, global account, in person, and bank, and more.
For small & frequent transfers
If you send small amounts back home to Poland, say weekly or monthly, an app like Wise is the easiest and cheapest way to do it.
It charges £39.59 in fees, has 0% markup, lets you save recipient details, and PLN will arrive in minutes.
Over the past month, Wise was the cheapest app on 100% of the days it appeared for £10,000 transfers.
For one off transfers
Sending money online is good for occasional medium sized PLN transfers, around £1,000 - £5,000.
Online companies like Wise often have higher limits and/or first time promos.
Of the 12 companies we compared, Wise is the cheapest online service and will get you zł52,399.72 on a £10,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.
For large transfers
Currency brokers like Key Currency are the best for £10,000+ transfers (things like house deposits, education fees, relocation, etc.).
You get a dedicated account manager to handle your transfer to Poland, and 24/7 support.
Key Currency charges no fees on large transfers, but adds 0.25% markup on top of the current GBP/PLN rate.
The markup gets better the more GBP you send, so we suggest .
Our analysis shows Key Currency was the cheapest broker in 100% of the transfers from £6,000 it quoted.
For fast money transfers
Sending cash is the fastest way to send money from the UK to Poland, but is usually a bit more expensive.
You will need to deposit £10,000 online via MoneyGram, and your recipient in Poland will be able to collect zł52,103 in minutes.
Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.
For spending and receiving
Multi-currency accounts let you hold and spend Zloty abroad like a local.
Wise offers the best multi-currency account.
With it, converting £10,000 to PLN will get you zł52,399.72 after fees.
If you don’t have PLN in your account, your GBP will auto-convert whenever you pay with Wise in Poland.
Once you have PLN in the account, there are no extra fees from Wise for spending or holding it (local ATM charges may still apply).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For business transfers
Global accounts are for UK businesses making payments overseas.
For suppliers, freelancers, salaries, or invoices in Poland, companies like Airwallex, WorldFirst, or Payoneer handle batch and recurring payments a consumer app simply can’t.
Only if you have to
Your UK bank is the most expensive way to send money to Poland.
On a £10,000 transfer, banks like Barclays will add 2.81% markup, getting you zł51,150.44 vs zł52,475.94 with Key Currency.
We found Barclays was the cheapest bank on 30 of the 30 days it appeared for this amount.
Pay-in and pay-out methods will affect how much GBP you deposit and how much PLN your recipient gets. Use the table below to see how different options change how much you pay and what they get.
Our data shows that Key Currency gets your recipient 1,325.5 PLN more than Barclays, today's cheapest bank, on the same £10,000.
The overall best and cheapest way to send £10,000 to Poland is via Key Currency, using a bank transfer to deposit GBP and bank deposit to receive PLN.
You have 3 pay-in options for transfers to Poland, including bank transfer, debit card, and credit card.
The cheapest pay-in option is bank transfer.
The fastest option in the UK is almost always bank transfer, since most companies use Open Banking and Faster Payments System (FPS).
The most expensive deposit option is credit card.
Be careful with credit card deposits, since your bank often treats it as a cash advance and will charge interest.
Money can reach Poland by bank deposit, card deposit, and cash pickup, and each delivery method comes with its own fees.
The cheapest way to receive money in Poland is with bank deposit on average.
Receiving cash
MoneyGram is the cheapest option for cash pickup (getting you zł52,103 on a £10,000 transfer).
Digital wallets
Your recipient can receive PLN directly into a digital wallet (like PayPal) which usually takes a few minutes to arrive.
You pay £10,000.00
zł52,476
Cheapest
You pay £10,000.00
zł52,233
-zł243
You pay £10,000.00
zł52,226
-zł250
You pay £10,004.99
zł52,103
-zł373
You pay £10,004.99
zł52,103
-zł373
You pay £10,004.99
zł51,804
-zł672
You pay £10,004.99
zł51,804
-zł672
You pay £10,004.99
zł51,804
-zł672
There are a few nuances you should consider before sending GBP to Poland such as limits, taxes, and safety.
Right now, these are the best money transfer options for a £10,000 transfer to Poland:
Cheapest way to send money to Poland
The cheapest way is to use Key Currency, pay in with a bank transfer and withdraw via bank deposit. You will get zł52,475.94, which is 0.02% more than the next best option.
Fastest way to send money to Poland
The fastest way is to use Revolut via bank transfer deposit and bank deposit for pay out. You get zł52,036.12 and it will arrive in within minutes.
There is no legal limit and no tax on sending your own money abroad.
Main hard limits come from your bank or money transfer company, often around £10,000 to £25,000 online (which you can usually increase in the app).
Also, the "£10,000 declaration" only applies to physically carrying cash through the border, not online transfers.
And on bigger GBP/PLN transfers (roughly £10,000 up) expect a source-of-funds check, such as a payslip or a statement.
These are anti-money-laundering checks, and they can hold your transfer up, so have the documents ready.
Your cost is the fee plus the exchange-rate margin.
For example, sending £10,000 with Key Currency will get you 52,475.94 PLN, that’s including £0 fee and 0.25% in exchange rate markup.
A bank like Barclays on the other hand, will get you zł51,150.44, that’s £0 in fees but 2.81% in FX fees.
There is no UK tax for the act of sending money to Poland.
And, regular gifts out of your normal income are free of inheritance tax straight away, no cap and no seven-year wait.
Only ever use a provider authorised by the FCA, which you can check on the FCA register in under a minute.
The rules in place for any scams cover domestic pound transfers only, on a transfer abroad you're less protected.
Always confirm who you're really sending to before you send, because there's little recourse after.
For more information, check our guide to money transfer regulations in the UK.
We track 12 regulated companies offering money transfers from the UK to Poland in real time.
We analyse the fees, exchange rates, deposit/withdrawal methods, and each goes through our internal review.
Most GBP/PLN pricing data comes directly from the providers. We collect the rest manually, run it through our comparison engine and label it in the table.
In the past 30 days alone, we analysed 196 comparisons across 7 amounts.
This page covers the cheapest and fastest options for GBP/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.
More on how we work:
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
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