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How to send money to Poland from US with the best USD-PLN rate

Get the best deals when you transfer from the United States to Poland. Find the cheapest, fastest, and most reliable providers with the best USD to PLN exchange rates.

Read on for analysis on the best ways to send money to Poland from United States.

Transferring the other way? Send PLN from Poland to United States instead.
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July 16th, 2025
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Best money transfer companies

Send money from United States to Poland

Last updated: Today
Mid-market rate as of 07/16/2025: 1 USD = 3.638207 PLN
Results below are based on a 7000 USD search
0 of 17 providers
Sponsored
Wise
Recipient gets (PLN)
zł 25,354.20
Full transfer details
Visit Wise
zł 651 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PLN)
zł 25,055.10
Full transfer details
Visit Xe
zł 352 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
Live Rates
Sort by:
Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (PLN)
zł 25,403.78
Full transfer details
Visit Key Currency
zł 700 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 25,401.23
Full transfer details
Visit Currencyflow
zł 698 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 25,398.69
Full transfer details
Visit Regency FX
zł 695 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
4
Wise
Recipient gets (PLN)
zł 25,354.20
Full transfer details
Visit Wise
zł 651 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
5
Currencies Direct
Recipient gets (PLN)
zł 25,314.80
Full transfer details
Visit Currencies Direct
zł 611 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
OFX
Recipient gets (PLN)
zł 25,291.70
Full transfer details
Visit OFX
zł 588 better than a typical bank*

"OFX have been helping individuals and businesses send money for over 25 years. Transfer in 50+ currencies to 170+ countries, with 24/7 phone access to currency experts."

Personal account manager
Multi-currency card
Receive to bank account
7
CurrencyFair
Recipient gets (PLN)
zł 25,272.60
Full transfer details
Visit CurrencyFair
zł 569 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (PLN)
zł 25,055.10
Full transfer details
Visit Xe
zł 352 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions
9
Remitly
Recipient gets (PLN)
zł 25,034.80
Full transfer details
Visit Remitly
zł 331 better than a typical bank*

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

Personal account manager
Multi-currency card
Receive to bank account or cash pickup
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.
Panda Remit
Recipient gets (PLN)
zł 25,376.54
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • Barclays
    Barclays
    Recipient gets (PLN)
    zł 24,629.99
    Not recommended
  • HSBC
    HSBC
    Recipient gets (PLN)
    zł 24,604.56
    Not recommended
  • Capital One
    Capital One
    Recipient gets (PLN)
    zł 24,448.75
    Not recommended
  • PayPal
    PayPal
    Recipient gets (PLN)
    zł 23,446.35
    Not recommended
Sponsored
Wise
Recipient gets (PLN)
zł 25,354.20
Full transfer details
Visit Wise
zł 651 better than a typical bank*

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for large transfers
Sponsored
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
Xe
Recipient gets (PLN)
zł 25,055.10
Full transfer details
Visit Xe
zł 352 better than a typical bank*

"Xe has over 30 years of currency exchange experience, and is one of the most reputable names on the market. 200 countries, 100 currencies, & funds often received in seconds."

Personal account manager
Multi-currency card
Receive to bank account
Dedicated support for larger transactions

Best option: Wise

Wise is our top choice for USD to PLN transfers.

We tested & reviewed 17 money transfer providers, and Wise scored highly in each category.

Transferring 7,000 USD to PLN will cost you $31.69 in fees, and your recipient will get 25,354.2 PLN.

For a great mix of cost, speed & features, transfer from United States to Zloty using Wise.

Wise is the top rated company for sending money from United States (USD) to Poland (PLN) - Wise Screenshot

How to compare deals on your United States to Poland transfer

Summary of recent searches

Top rated for transfers from United States to Poland
Wise
Total number of US - PL providers
17
Average cheapest fees & rate
Key Currency
Average fastest transfer
Currencyflow
Average transfer time
Within minutes
Best for bank transfers
Key Currency
Best for debit card
Xe

Considerations ahead of sending money from United States to Poland

1
Compare providers

A comparison of providers offering services between the United States 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 17 providers that provide services for sending US Dollar to Poland. This ensures you will get the best options for your transfer to Poland from the United States.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from the United States to Poland.

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

Cheapest way to send money from the United States to Poland: Key Currency

Key Currency offers the lowest cost transfers of the 17 compared.

Data collected for transfers between the United States 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 US Dollar and Zloty that is 0.25% different to the mid-market rate and a fee of 0 USD.

Key Currency is the cheapest way to send money from United States (USD) to Poland (PLN) - Key Currency Screenshot

Fastest money transfers to Poland from the United States: Currencyflow.

Of 17 money transfer companies offering services from the United States to Poland, Currencyflow is the quickest way to send money.

With Currencyflow , the transfer time to Poland is minutes - 24 hours, with a 0 USD transfer fee (based on $7,000 transfer)

When testing the fastest options, we compared the 17 money transfer providers offering the United States to Poland transfers for overall speed. This included transfer times to after depositing US Dollar to a money transfer account.

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

Currencyflow is the fastest way to send money from United States (USD) to Poland (PLN) - Currencyflow Screenshot

Send large sums of money abroad with Currencies Direct

Transferring bigger amounts of money to Poland from the United States needs a strong exchange rate and effective transfer management.

From the
17 options we compared, Currencies Direct offers the strongest all-round option for large transfers to Poland from the United States.

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 transferring money from United States to Poland

The total cost of money transfers from United States to Poland is a combination of fees and exchange rates. Get the best of both, and you will be getting a good deal.

The Mid-Market and Exchange Rates: The mid-market rate for USD-PLN is currently 3.6719 PLN per US Dollar. Providers offering services closer to this rate will ensure more Zloty for your US Dollars.

  • To give a historic average, over the last 7 days the USD-PLN mid-market rate has been 3.6402 PLN per US Dollar, this has had a high of 3.6608 and a low of 3.6145.

  • From the 17 companies compared, Wise offers the best exchange rate on transfers to Poland and the United States.

  • Generally, the exchange rate you receive on converting USD to PLN will be the biggest factor impacting the cost of sending US Dollars to Poland.

Fees: Transfer fees are charged alongside a transfer. The company offering the lowest fee is Key Currency, just 0 USD per transfer. In all cases, we recommend searching for your exact send amount as fees may change.

Amount Received: Money transfer companies will show you the amount eventually received in Zloty. Simply, the higher the amount received in the United States, the lower the cost of sending from Poland.

Finding the best exchange rate for US Dollar to Zloty

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

Mid-market Rate
1 
USD
=
3.671854 
PLN

Over the last week, here’s what we’ve seen:

  • The exchange rate from USD to PLN averaged 3.6402 PLN.

  • The highest value recorded was 3.6608 PLN, while the lowest was 3.6145 PLN.

  • There are currently 17 providers offering transfers between the United States and Poland close to this rate

Want to secure the best USD-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 United States to Poland!

Payment methods available to fund your United States to
Poland transfer

  • Bank transfers

    Bank transfers are often the default option for sending money from United States to Poland.

    By using a money transfer company such as Key Currency for transfers from United States 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 17 we tested when sending USD to Poland.

    With a fee of USD0 to send money from United States to Poland, Key Currency offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid cards

    Sending money from United States to Poland with a debit or a prepaid card is very simple with Xe.


    Xe is a leader in debit card payments for transfers from United States to Poland, competing among a total of 17 active money transfer companies on this route.

  • Credit cards

    When it comes to credit card transfers from the United States 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 United States.


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 United States to Poland.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send USD 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 United States to Poland?
What is the best exchange rate I can get for sending money from United States to Poland?
Are there any minimum or maximum transfer amounts for sending money from United States to Poland?
Can I schedule regular transfers between United States 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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