We’ve compared 14 companies, and found Key Currency to be the cheapest, while Revolut the fastest.
Sending £10,000 gets you zł50,172.65 with Key Currency at 5.0173 rupees per pound, about 0.02% more than the next best option.
| 15 of 15 providers Last updated on 4 September 2026 This page updates weekly. We collect, store, and analyze GBP/PLN exchange rates from our comparisons. | |||
| Based on 10,000 GBP transfer Best companies for GBP/PLN transfersAll money transfer offers for GBP/PLN transfers, sorted by most PLN received. The first two offers may be sponsored promotions. Some offers here pay us a commission. | |||
| Promoted  Wise Pay via Bank transfer | Fee £39.59 1 GBP = 5.0302 PLN -0.01% vs mid-market | Recipient gets zł 50,102.95 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer £39.591 GBP = 5.0302 PLN zł 50,102.95You pay£10,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee £0.00 1 GBP = 4.9886 PLN +0.82% vs mid-market | Recipient gets zł 49,886.00 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 = 4.9886 PLN zł 49,886.00You 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 = 5.0173 PLN +0.25% vs mid-market | Recipient gets zł 50,172.65 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 = 5.0173 PLN zł 50,172.65You pay£10,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee £0.00 1 GBP = 5.0163 PLN +0.27% vs mid-market | Recipient gets zł 50,162.59 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 = 5.0163 PLN zł 50,162.59You pay£10,000.00 | |||
 TorFx Pay via Bank transfer | Fee £0.00 1 GBP = 5.0153 PLN +0.29% vs mid-market | Recipient gets zł 50,152.53 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 = 5.0153 PLN zł 50,152.53You pay£10,000.00 | |||
| Wise Pay via Bank transfer | Fee £39.59 1 GBP = 5.0302 PLN -0.01% vs mid-market | Recipient gets zł 50,102.95 Within a week | |
Ways to receive money in Poland with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer £39.591 GBP = 5.0302 PLN zł 50,102.95You pay£10,000.00 | |||
 OFX Pay via Bank transfer | Fee £0.00 1 GBP = 5.0047 PLN +0.50% vs mid-market | Recipient gets zł 50,046.91 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 = 5.0047 PLN zł 50,046.91You pay£10,000.00 | |||
 Currencies Direct Pay via Bank transfer | Fee £0.00 1 GBP = 4.9992 PLN +0.61% vs mid-market | Recipient gets zł 49,992.00 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 = 4.9992 PLN zł 49,992.00You pay£10,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee £1.99 1 GBP = 4.9955 PLN +0.69% vs mid-market | Recipient gets zł 49,945.00 Minutes - 24 hours | |
Ways to receive money in Poland with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours £1.991 GBP = 4.9955 PLN zł 49,945.00You pay£10,000.00 | |||
| Wise Pay via Debit card | Fee £71.23 1 GBP = 5.0302 PLN -0.01% vs mid-market | Recipient gets zł 49,943.80 Within a week | |
Ways to receive money in Poland with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer £71.231 GBP = 5.0302 PLN zł 49,943.80You pay£10,000.00 | |||
 Starling Bank Pay via Bank transfer | Fee £40.30 1 GBP = 5.0109 PLN +0.38% vs mid-market | Recipient gets zł 49,907.06 1-2 Hours | |
Ways to receive money in Poland with Starling Bank when paying by bank transfer. MethodFee & ratesRecipient gets Bank deposit1-2 HoursAvailable via:Bank Account (SWIFT), Bank Account (Low Cost) £40.301 GBP = 5.0109 PLN zł 49,907.06You pay£10,000.00 | |||
| Xe Pay via Debit card | Fee £0.00 1 GBP = 4.9886 PLN +0.82% vs mid-market | Recipient gets zł 49,886.00 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 = 4.9886 PLN zł 49,886.00You pay£10,000.00 | |||
| Xe Pay via Bank transfer | Fee £0.00 1 GBP = 4.9886 PLN +0.82% vs mid-market | Recipient gets zł 49,886.00 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 = 4.9886 PLN zł 49,886.00You pay£10,000.00 | |||
| Xe Pay via Credit card | Fee £0.00 1 GBP = 4.9886 PLN +0.82% vs mid-market | Recipient gets zł 49,886.00 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 = 4.9886 PLN zł 49,886.00You pay£10,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee £105.00 1 GBP = 5.0209 PLN +0.18% vs mid-market | Recipient gets zł 49,681.66 Within minutes | |
Ways to receive money in Poland with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutes £105.001 GBP = 5.0209 PLN zł 49,681.66You 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 = 4.9645 PLN +1.30% vs mid-market | Recipient gets zł 49,644.52 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 = 4.9645 PLN zł 49,644.52You pay£10,000.00 | |||
| $0 fee on first online transfers  MoneyGram Pay via Debit card | Fee £4.99 1 GBP = 4.9626 PLN +1.35% vs mid-market | Recipient gets zł 49,626.00 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 = 4.9626 PLN zł 49,626.00You pay£10,004.99 Cash pickupMinutes - 24 hours £4.991 GBP = 4.9483 PLN zł 49,483.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 4.9345 PLN zł 49,345.00You pay£10,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Credit card | Fee £4.99 1 GBP = 4.9626 PLN +1.35% vs mid-market | Recipient gets zł 49,626.00 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 = 4.9626 PLN zł 49,626.00You pay£10,004.99 Cash pickupMinutes - 24 hours £4.991 GBP = 4.9483 PLN zł 49,483.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 4.9345 PLN zł 49,345.00You pay£10,000.00 | |||
 HSBC Pay via Bank transfer | Fee £0.00 1 GBP = 4.9566 PLN +1.47% vs mid-market | Recipient gets zł 49,566.26 Minutes - 5 days | |
Ways to receive money in Poland with HSBC when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days Free1 GBP = 4.9566 PLN zł 49,566.26You pay£10,000.00 | |||
| $0 fee on first online transfers MoneyGram Pay via Bank transfer | Fee £4.99 1 GBP = 4.9483 PLN +1.63% vs mid-market | Recipient gets zł 49,483.00 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 = 4.9483 PLN zł 49,483.00You pay£10,004.99 Bank depositMinutes - 24 hoursAvailable via:Most Banks Free1 GBP = 4.9378 PLN zł 49,378.00You pay£10,000.00 | |||
| Pricing based on Revolut Standard plan Revolut Pay via Debit card | Fee £160.00 1 GBP = 5.0209 PLN +0.18% vs mid-market | Recipient gets zł 49,405.51 Within minutes | |
Ways to receive money in Poland with Revolut when paying by debit card. MethodFee & ratesRecipient gets Bank depositWithin minutes £160.001 GBP = 5.0209 PLN zł 49,405.51You 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 = 4.9300 PLN +2.00% vs mid-market | Recipient gets zł 49,285.21 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 = 4.9300 PLN zł 49,285.21You pay£10,000.00 | |||
| Wise Pay via Credit card | Fee £260.77 1 GBP = 5.0302 PLN -0.01% vs mid-market | Recipient gets zł 48,990.37 Within a week | |
Ways to receive money in Poland with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositWithin a weekAvailable via:Bank Transfer £260.771 GBP = 5.0302 PLN zł 48,990.37You pay£10,000.00 | |||
 Barclays Pay via Bank transfer | Fee £0.00 1 GBP = 4.8900 PLN +2.82% vs mid-market | Recipient gets zł 48,900.11 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 = 4.8900 PLN zł 48,900.11You pay£10,000.00 | |||
| How Our Results Work Mid-market rate: 1 GBP = 5.029840 PLN Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Poland, I suggest picking the cheapest option which is Key Currency.
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 £10,000 transfer it's normally instant but can take a couple hours.
There are many ways to send money to Poland from the UK, including broker, online, app, multi-currency account, global account, bank, in person, and challenger 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 -0.01% markup, lets you save recipient details, and PLN will arrive in minutes.
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 1 online services, Wise is the cheapest and will get you zł50,102.95 on £10,000 transfer.
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 .
For fast money transfers
Sending cash is the fastest way to send money from the UK to Poland, but is usually a bit more more expensive.
You will need to deposit £10,000 online via MoneyGram, and your recipient in Poland will be able to collect zł49,626 in minutes.
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 zł50,102.95 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).
Cheaper than a high-street bank
If you already bank with Starling Bank, it’s rarely the cheapest way to send money to Poland, but it’s fine for an occasional small transfer.
On a £10,000 transfer, Starling Bank will get you zł49,907.06.
It charges £40.3 in fees and adds 0.38% to the mid-market rate.
It is cheaper than using a traditional bank like HSBC (which charges zł49,566.26 in fees with 1.47% markup), but still more expensive than a money transfer company.
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 HSBC will add 1.47% markup, getting you zł49,566.26 vs zł50,172.65 with Key Currency.
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.
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 zł49,626 on £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
zł50,173
Cheapest
You pay £10,000.00
zł49,944
-zł229
You pay £10,000.00
zł49,886
-zł287
You pay £10,004.99
zł49,626
-zł547
You pay £10,004.99
zł49,626
-zł547
You pay £10,004.99
zł49,483
-zł690
You pay £10,004.99
zł49,483
-zł690
You pay £10,004.99
zł49,483
-zł690
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 £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 zł50,172.65, 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 zł49,681.66 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.
That's anti-money-laundering checks, but it holds transfers up, so be prepared.
Your cost is the fee plus the exchange-rate margin.
For example, sending zł50,172.65 with Key Currency will get you 50,172.65 PLN, that’s including £0 fee and 0.25% in exchange rate markup.
A bank like HSBC on the other hand, will get you zł49,566.26, that’s £0 in fees but 1.47% 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.
The exchange rate you secure impacts how much PLN you get for your GBP, so waiting a day or two can get you more Zloty.
Mid-market rate:1 GBP = 5.024945 PLN
We track 14 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.
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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