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How to send money to Spain from Poland with the best PLN-EUR rate

Compare the best deals on transfers from Poland to Spain. Explore the cheapest, fastest, and most reliable providers with the best PLN to EUR exchange rates.

Read on for the insights and in-depth analysis, and all you need to send money to Spain from Poland.

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July 1st, 2025
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Best money transfer companies

Send money from Poland to Spain

Last updated: Today
Mid-market rate as of 07/01/2025: 1 PLN = 0.235744 EUR
Results below are based on a 30000 PLN search
0 of 15 providers
Sponsored
Wise
Recipient gets (EUR)
€7,026.80
Full transfer details
Visit Wise
€167 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 (EUR)
€6,969.00
Full transfer details
Visit Xe
€109 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
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Exclusive: Special Rate for 1st Transfer
1
Key Currency
Recipient gets (EUR)
€7,054.64
Full transfer details
Visit Key Currency
€194 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: First Transfer Deal
2
Regency FX
Recipient gets (EUR)
€7,053.22
Full transfer details
Visit Regency FX
€193 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)
3
TorFx
Recipient gets (EUR)
€7,051.10
Full transfer details
Visit TorFx
€191 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
4
Currencies Direct
Recipient gets (EUR)
€7,032.00
Full transfer details
Visit Currencies Direct
€172 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
5
CurrencyFair
Recipient gets (EUR)
€7,029.60
Full transfer details
Visit CurrencyFair
€169 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
6
OFX
Recipient gets (EUR)
€7,029.00
Full transfer details
Visit OFX
€169 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
Wise
Recipient gets (EUR)
€7,026.80
Full transfer details
Visit Wise
€167 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
Receive a £/$/€25 gift card when you refer a friend! (T&Cs apply)
8
Xe
Recipient gets (EUR)
€6,969.00
Full transfer details
Visit Xe
€109 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
Profee
Recipient gets (EUR)
€6,966.26
Full transfer details
Visit Profee
€106 better than a typical bank*

"Card-to-card transfers can be received in just two minutes."

Personal account manager
Multi-currency card
Receive to bank account or debit card
10
Remitly
Recipient gets (EUR)
€6,825.00
Full transfer details

"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.
Revolut
Recipient gets (EUR)
€7,037.00
Not Recommended
These providers aren't as competitive as the others we've reviewed.
  • HSBC
    HSBC
    Recipient gets (EUR)
    €6,840.19
    Not recommended
Sponsored
Wise
Recipient gets (EUR)
€7,026.80
Full transfer details
Visit Wise
€167 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 (EUR)
€6,969.00
Full transfer details
Visit Xe
€109 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

Overall top choice: Wise

Wise is the best way to transfer Zloty into Euro.

Of the 15 money transfer providers we tested and reviewed, Wise was a standout option for its combination of speed and cost.

Sending 30,000 PLN to EUR will cost you zł193.72 in fees, and you will receive 7,026.8 EUR.

When sending money from Poland to Spain, using Wise in a great option.

Wise is the top rated company for sending money from Poland (PLN) to Spain (EUR) - Wise Screenshot

How to get the best deal on sending money from Poland to Spain

Summary of recent searches

Top rated for transfers from Poland to Spain
Wise
Total number of PL - ES providers
15
Average cheapest fees & rate
Key Currency
Average fastest transfer
Wise
Average transfer time
Within minutes
Best for bank transfers
Key Currency

Considerations to make sending money from Poland to Spain easy

1
Compare providers

Comparing the different providers offering services between Poland and Spain, is the best way to send money with confidence.

The 15 providers we've compared ensures you will get the best options for your transfer to Spain from Poland. By taking the time to compare you can save yourself in the region of 3% of the total transfer amount.

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring Zloty to Spain.

2
Exchange rates between Zloty-Euro
3
Choose the right payment method
4
Financial regulation in Poland and Spain
5
Consider transfer limits
6
Receiving money in Spain
7
Have your ID ready
8
Tax declarations

Cheapest way to send money to Spain from Poland: Key Currency

Of the 15 providers compared, Key Currency is the cheapest option for sending money today.

The cost is a combination of a fee of 0 PLN and an exchange rate for converting Zloty to Euro that is 0.25% different to the mid-market rate.

We found that Key Currency is 0.02% cheaper than the second-best option.

We would recommend Key Currency for low cost, affordable transfers from Euros to Spain.

Key Currency is the cheapest way to send money from Poland (PLN) to Spain (EUR) - Key Currency Screenshot

Fastest way to transfer money to Spain from Poland: Wise.

We tested 15 companies offering transfers from Poland to Spain and Wise offered the quickest option.

For example, if you send zł30,000 with Wise to Spain now, the transfer time is same day.

This can vary depending on your needs, smaller transfers to Spain are likely to arrive quicker.

When using Wise to send money from Poland to Spain you can expect a fee of 193.72 PLN. Although we would recommend comparing the amount you want to send.

When testing the 'fastest' options we compared 15 money transfer providers. To test overall speed of sending money from Poland to Spain we included the timeframe for depositing Zloty to a money transfer account and average transfer times to Spain.

When sending money to Spain from Poland quickly is a priority, Wise is our recommended choice.

Wise is the fastest way to send money from Poland (PLN) to Spain (EUR) - Wise Screenshot

Transfer a large amount of money

To transfer large sums of money from Poland to Spain, opt for a provider with a competitive exchange rate and hands on management.

Wise is the strongest option for large transfers of the
15 money transfer companies tested.

Whatever the reason is for the transfer, sending large amounts of money from Poland to Spain can become expensive through your bank or with the wrong provider.

Our data shows Wise as the best choice for sending large sums of money to Spain from Poland.

Understanding the costs involved when transferring money to Spain from Poland

When calculating the cost of sending money from Poland to Spain, a combination of fees and exchange rates ensure the best deal:

The Mid-Market and Exchange Rates: The current PLN-EUR mid-market rate is 0.2358 EUR per Zloty. Finding a provider as close to this number as possible will ensure more Euro for your money.

  • As a comparison, the PLN-EUR mid-market rate for the past week has averaged 0.2358 EUR per Zloty, hitting a high of 0.236 and a low of 0.2356.

  • Wise is currently offering the best exchange rate on transfers between Poland and Spain.

  • Often the PLN-EUR exchange rate you receive will be the biggest factor impacting the cost of sending Zloty to Spain.

Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers lowest fees of 0 PLN. Although we recommend searching for your exact send amount for an exact fee.

Amount Received: The total amount received in Euro is the biggest indicator in the total cost of sending money to Poland from Spain. The higher the total amount received in Spain, the lower the cost of sending from Poland.

How to find the best exchange rate for Zloty to Euro

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

Mid-market Rate
1 
=
0.235794 
EUR

Let's dive into some interesting recent trends.

  • Over the past 7 days, the exchange rate from PLN to EUR has seen some fluctuation. On average, it stood at 0.2358.

  • During this period, the highest value recorded was 0.236, while the lowest was 0.2356.

  • Wise, which is our recommended service to send money online from Poland to Spain offers an exchange rate that is only 0.02% above the mid-market rate.

Want to secure the best PLN-Euro exchange rates?

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

Payment methods for Poland to
Spain transfers

  • Bank transfers

    Bank transfers are often the fastest option, and normally the cheapest, for sending money from Poland to Spain.

    By opting for a money transfer company such as Key Currency for transfers from Poland to Spain, 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 15 we tested when sending PLN to Spain.

    With a fee of PLN0 to send money from Poland to Spain, Key Currency offers a great combination of competitive exchange rates and lower fees.


  • Debit and prepaid card payments

    Using a debit card, or prepaid option, for sending money from Poland to Spain is easy with .


    is a market leader in debit card payments for transfers from Poland to Spain, this is among a total of 15 money transfer companies compared.

  • Credit card transfers

    When it comes to credit card transfers from Poland to Spain, we recommend running a quick comparison to get the best deal as not many companies offer direct credit card deposits.

    Fee alert: credit card money transfers often result in a cash advance fee being charged by your card issuer. We recommend bank transfer or debit card where possible.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Spain and Poland.


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 Poland to Spain.


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


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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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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