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How to send money from the UK to Poland - The Ultimate Guide

It’s been more than 10 years since Poland joined European Union. 2004 marks a very special moment when millions of Poles decided to leave their motherland to look for a better future abroad.

What do you think, how many Poles are living in the UK right now? The official statistics estimate there are around 679,000 Poles inhabiting United Kingdom, while some people claim it might be even 1 million! Being a migrant usually equals being torn, with true and urging need to keep close ties with Poland. We might be far away, but we don’t stop thinking about our loved-ones, how to support them or pay for our bills or mortgages back home.

The numbers speak for themselves. In 2014 Poles have sent £ 833 millions back to Poland. This amount could have been much bigger, it they hadn’t wasted around £ 33 million on inefficient and overpriced international money transfers. How can it be? If you are interested, have read this article written exclusively by Monito experts for you.




Chapter 1

How to send money to Poland from the UK?


There many options available for people who want to send money home from the UK. With a little help from your friends and experts at Monito, you will find the most convenient way to transfer money to Poland that will meet all of your needs.

Let’s start with rather traditional approach. If you value personal contact and assistance, go with a physical kiosk or branch, where you can send cash. Money will be paid out directly to your recipient. This form of sending money abroad is relatively fast and good for smaller amounts. On the other hand, be prepared to wait in line! Those money-shops are usually pretty busy! If you feel safer sending physical cash, you can also visit the nearest branch of your bank and send money there.

Would you describe yourself as tech savvy? Then you could find online transfers super-handy, via bank or a licensed company. The other way to go is to send airtime to a mobile phone back in Poland, topping up recipient’s number with any amount of minutes.


Chapter 2

How long does it take to send money to Poland?


It comes as no surprise, that the speed of your transfer depends on the method you choose to send your money to Poland.

One of the fastest ways is to send money via debit card, especially since that kind of transaction is settled instantly. Remember though, that the limits apply, so the maximum amount you can send is usually between £2000-5000 per transfer.

Using a credit card will give you the same speed advantage, but it usually don’t worth it as the additional payment processing fees are really important.

Sending money with an international money transfer company like Transfergo, Xendpay or TransferWise should take a bit longer, the money usually arriving the next business day.


Chapter 3

What are the companies that offer international money transfers?


Because there are so many Poles living in the UK, the market is really saturated. Monito reference more than 24 companies on its live comparison.

As a customer, you can easily choose one of the international/UK companies, like Western Union, Xendpay or TransferGo, or pick a company that is specific to Polish market, like Sami Swoi, Easysend or England.pl.


Chapter 4

How to send money to a Polish bank?


Before you send money to Poland make sure, that you have all of the important numbers with you. What do you need? First of all, you need your Local Bank Information, like Bank SWIFT/ BIC Code, IBAN and account number.

What is Bank SWIFT? It is an international bank code. It identifies particular banks worldwide. The other name for Swift is Bank Identifier Code (BIC). A SWIFT code consists of 8 or 11 characters. If you need to check the SWIFT code of a Polish Bank, visit the website. SWIFT delivery usually takes around 24 h.

While sending money to Poland remember, that you can send them within SEPA, which is Single European Payments Area. It allows cross-border Euro transfers that can be described as an equivalent of a local money transfer.


Chapter 5

What is the price of sending money to Poland?


While making international money transfer from the UK to Poland, the most important thing is to decided when you need your money to reach the recipient’s account.

The speed influences the final price of the transfer. The faster the money is on your recipient’s account, the more you need to pay for it. One might say, the standard in the industry is to have your money delivered within one business day.

A dozen of other parameters influence the price of sending money to Poland. You should check out Monito’s live comparison of more than 24 companies to find the cheapest or fastest!

 

Transfers to a bank account

[ ↓ Jump to cash pick-up options ]

The 23 best options to transfer GBP to a bank account in Poland

  • See cost breakdown

    Total cost

    0.80 GBP
    Exchange rate 4.8038 
    (-0.05%
    Fees 0.70 GBP
    £10 off your first transfer with code MONIGB10
    Use code MONIGB10 to get £10 off your first transfer of £200 or above.

    Payment options

    Speed

    • Bank transfer
      2 days
  • See cost breakdown

    Total cost

    1.10 GBP
    Exchange rate 4.7798 
    (-0.55%
    Fees 0 GBP 0.99 GBP
    Zero fees with promo code MONITO
    £20 credit with referral code FREE20

    Payment options

    Speed

    • Bank transfer
      Next day
    • Debit card
      Next day
    • Credit card
      Next day
    • Direct bank payment
      Next day
  • See cost breakdown

    Total cost

    1.11 GBP
    Exchange rate 4.7795 
    (-0.55%
    Fees 0 GBP 2.08 GBP
    ZERO fees on your first 5 transfers
    You only pay the exchange rate margin

    Payment options

    Speed

    • Bank transfer
      2 days
  • See cost breakdown

    Total cost

    1.12 GBP
    Exchange rate 4.7793 
    (-0.56%
    Fees 0 GBP 2.00 GBP
    Zero transfer fees on your 1st transfer
    Monito users don't pay any transfer fees on their 1st transfer with Orbit Remit, saving you GBP 2.00.

    Payment options

    Speed

    • Bank transfer
      2 days
  • See cost breakdown

    Total cost

    1.17 GBP
    Exchange rate 4.7780 
    (-0.59%
    Fees 0 GBP

    Payment options

    Speed

    • Debit card
      2 days
    • Bank transfer
      2 days
    • Credit card
      2 days
  • See cost breakdown

    Total cost

    1.20 GBP
    Exchange rate 4.7773 
    (-0.60%
    Fees 0 GBP 1.99 GBP
    Zero transfer fees on your 1st transfer
    Monito users don't pay any transfer fees on their 1st transfer with Azimo, saving you GBP 1.99.

    Payment options

    Speed

    • Bank transfer
      Next day
    • Credit card
      Next day
    • Debit card
      Next day
  • See cost breakdown

    Total cost

    1.65 GBP
    Exchange rate 4.7906 
    (-0.32%
    Fees 1.00 GBP

    Payment options

    Speed

    • Credit card
      2 days
    • Debit card
      2 days
    • Bank transfer
      2 days
  • See cost breakdown

    Total cost

    1.94 GBP
    Exchange rate 4.8049 
    (-0.03%
    Fees 1.89 GBP

    Payment options

    Speed

    • Bank transfer
      Next day
    • Credit card
      Next day
    • Debit card
      Next day
  • See cost breakdown

    Total cost

    2.77 GBP
    Exchange rate 4.7395 
    (-1.39%
    Fees 0 GBP 5.00 GBP
    ZERO transfer fees on 1st and 10th transfer

    Payment options

    Speed

    • Debit card
      In minutes
    • Bank transfer
      In minutes
  • See cost breakdown

    Total cost

    3.26 GBP
    Exchange rate 4.7278 
    (-1.63%
    Fees 0 GBP

    Payment options

    Speed

    • Bank transfer
      Same day
    • Credit card
      Same day
  • See cost breakdown

    Total cost

    3.58 GBP
    Exchange rate 4.7800 
    (-0.54%
    Fees 2.49 GBP

    Payment options

    Speed

    • Debit card
      Next day
    • Credit card
      Next day
  • See cost breakdown

    Total cost

    4.13 GBP
    Exchange rate 4.7068 
    (-2.07%
    Fees 0 GBP 4.99 GBP
    Zero transfer fees on 1st transfer with code MONITO
    Use code MONITO for a first fee-free transfer. You only pay the exchange rate margin.

    Payment options

    Speed

    • Credit card
      In minutes
    • Debit card
      In minutes
    • Bank transfer
      Same day
  • See cost breakdown

    Total cost

    6.17 GBP
    Exchange rate 4.7300 
    (-1.58%
    Fees 3.00 GBP

    Payment options

    Speed

    • Bank transfer
      Same day
    • Debit card
      Same day
  • See cost breakdown

    Total cost

    6.48 GBP
    Exchange rate 4.7223 
    (-1.74%
    Fees 2.99 GBP

    Payment options

    Speed

    • Debit card
      2 days
    • Debit card
      Next day
      (+ GBP 2.00)
    • Debit card
      In minutes
      (+ GBP 4.91)
  • See cost breakdown

    Total cost

    7.85 GBP
    Exchange rate 4.6655 
    (-2.93%
    Fees 2.00 GBP

    Payment options

    Speed

    • Bank transfer
      3-5 days
    • PayPal
      3-5 days
  • See cost breakdown

    Total cost

    10.80 GBP
    Exchange rate 4.6581 
    (-3.08%
    Fees 4.64 GBP

    Payment options

    Speed

    • Debit card
      3-5 days
    • Bank transfer
      3-5 days
    • Credit card
      (+ GBP 3.80)
      2 days
  • See cost breakdown

    Total cost

    11.58 GBP
    Exchange rate 4.6239 
    (-3.79%
    Fees 4.00 GBP

    Payment options

    Speed

    • Bank transfer
      Next day
  • See cost breakdown

    Total cost

    14.35 GBP
    Exchange rate 4.7014 
    (-2.18%
    Fees 9.99 GBP

    Payment options

    Speed

    • Cash
      Same day
  • See cost breakdown

    Total cost

    30.91 GBP
    Exchange rate 4.6466 
    (-3.32%
    Fees 9.50 GBP
    Bank fees (estimate) 14.77 GBP

    Payment options

    Speed

    • Bank transfer
      3-5 days
  • See cost breakdown

    Total cost

    41.55 GBP
    Exchange rate 4.6913 
    (-2.39%
    Fees 22.00 GBP
    Bank fees (estimate) 14.77 GBP

    Payment options

    Speed

    • Bank transfer
      3-5 days
    • Bank transfer
      2 days
      (+ GBP 8.00)
  • See cost breakdown

    Total cost

    48.43 GBP
    Exchange rate 4.6701 
    (-2.83%
    Fees 28.00 GBP
    Bank fees (estimate) 14.77 GBP

    Payment options

    Speed

    • Bank transfer
      2 days
  • See cost breakdown

    Total cost

    56.88 GBP
    Exchange rate 3.5594 
    (-25.94%
    Fees 5.00 GBP

    Payment options

    Speed

    • Cash
      Next day

Cash pick-up at an agent location

[ ↓ Jump to forex broker options ]

The 6 best options to send GBP for cash pick-up at agent locations in Poland

  • See cost breakdown

    Total cost

    2.77 GBP
    Exchange rate 4.7395 
    (-1.39%
    Fees 0 GBP 3.90 GBP
    ZERO transfer fees on 1st and 10th transfer

    Payment options

    Speed

    • Debit card
      In minutes
    • Bank transfer
      In minutes
  • See cost breakdown

    Total cost

    4.48 GBP
    Exchange rate 4.7223 
    (-1.74%
    Fees 0.99 GBP

    Payment options

    Speed

    • Debit card
      Same day
  • See cost breakdown

    Total cost

    10.66 GBP
    Exchange rate 4.6676 
    (-2.88%
    Fees 4.90 GBP

    Payment options

    Speed

    • Bank transfer
      Same day
    • Credit card
      (+ GBP 9.69)
      In minutes
    • Debit card
      (+ GBP 9.69)
      In minutes
  • See cost breakdown

    Total cost

    12.86 GBP
    Exchange rate 4.7014 
    (-2.18%
    Fees 8.50 GBP

    Payment options

    Speed

    • Cash
      Same day
  • See cost breakdown

    Total cost

    13.62 GBP
    Exchange rate 4.6468 
    (-3.31%
    Fees 6.99 GBP

    Payment options

    Speed

    • Debit card
      In minutes
    • Credit card
      In minutes
  • See cost breakdown

    Total cost

    56.88 GBP
    Exchange rate 3.5594 
    (-25.94%
    Fees 5.00 GBP

    Payment options

    Speed

    • Cash
      In minutes

Transfers via a foreign exchange company

Foreign exchange companies (also known as "forex brokers") are usually the best options for large transactions and offer personalized phone or email service. The rates we list are indicative only, to make sure you get the best deal we recommend requesting a quote from multiple providers.

  • See cost breakdown

    Total cost

    1.05 GBP
    Exchange rate 4.7810 
    (-0.52%
    Fees 0 GBP

    Payment options

    Speed

    • Bank transfer
      Next day
  • See cost breakdown

    Total cost

    17.17 GBP
    Exchange rate 4.7485 
    (-1.20%
    Fees 0 GBP
    Bank fees (estimate) 14.77 GBP

    Payment options

    Speed

    • Bank transfer
      3-5 days
    • Debit card
      3-5 days
  • See cost breakdown

    Total cost

    17.69 GBP
    Exchange rate 4.7360 
    (-1.46%
    Fees 0 GBP
    Bank fees (estimate) 14.77 GBP

    Payment options

    Speed

    • Bank transfer
      Next day


Show graph

What are the best options for your transfer from the United Kingdom to Poland?

We found 31 money transfer providers available for your transfer to Poland from the United Kingdom.

If the beneficiary of your transfer wants to receive in his bank account in Poland, then InstaReM currently offer the best deal you can get with competitive fees of 0.7 GBP and a very competitive GBP-PLN exchange rate (current rate: 1 GBP = 5.88 PLN).

The total cost of your transfer with InstaReM is 0.8 GBP, compared to that, the total cost would be 56.88 GBP (roughly 71x as much) if you wanted to use Xpress Money for the very same transaction.

Two other competitive providers could also be good alternatives to InstaReM: OFX and WorldRemit.

If you need the recipient to receive in cash at an agent location in Poland, then EasySend is at the moment the most competitive option with zero transfer fees and a very competitive GBP-PLN exchange rate (their current rate is 1 GBP = 4.7395 PLN).

Adding the fees and exchange rate margin, the total cost for a cash transfer with EasySend is 2.77 GBP, in comparison the total cost of your transfer would be 56.88 GBP if you chose to use Xpress Money to make the same transfer with cash pick-up as the pay-out option.

For this transfer in cash to Poland, you can also check out two other competitive money transfer providers: Sami Swoi and Western Union.

This recommendation was updated a few minutes ago.

How to send money from the UK to Poland - The Ultimate Guide

It’s been more than 10 years since Poland joined European Union. 2004 marks a very special moment when millions of Poles decided to leave their motherland to look for a better future abroad.

What do you think, how many Poles are living in the UK right now? The official statistics estimate there are around 679,000 Poles inhabiting United Kingdom, while some people claim it might be even 1 million! Being a migrant usually equals being torn, with true and urging need to keep close ties with Poland. We might be far away, but we don’t stop thinking about our loved-ones, how to support them or pay for our bills or mortgages back home.

The numbers speak for themselves. In 2014 Poles have sent £ 833 millions back to Poland. This amount could have been much bigger, it they hadn’t wasted around £ 33 million on inefficient and overpriced international money transfers. How can it be? If you are interested, have read this article written exclusively by Monito experts for you.




Chapter 1

How to send money to Poland from the UK?


There many options available for people who want to send money home from the UK. With a little help from your friends and experts at Monito, you will find the most convenient way to transfer money to Poland that will meet all of your needs.

Let’s start with rather traditional approach. If you value personal contact and assistance, go with a physical kiosk or branch, where you can send cash. Money will be paid out directly to your recipient. This form of sending money abroad is relatively fast and good for smaller amounts. On the other hand, be prepared to wait in line! Those money-shops are usually pretty busy! If you feel safer sending physical cash, you can also visit the nearest branch of your bank and send money there.

Would you describe yourself as tech savvy? Then you could find online transfers super-handy, via bank or a licensed company. The other way to go is to send airtime to a mobile phone back in Poland, topping up recipient’s number with any amount of minutes.


Chapter 2

How long does it take to send money to Poland?


It comes as no surprise, that the speed of your transfer depends on the method you choose to send your money to Poland.

One of the fastest ways is to send money via debit card, especially since that kind of transaction is settled instantly. Remember though, that the limits apply, so the maximum amount you can send is usually between £2000-5000 per transfer.

Using a credit card will give you the same speed advantage, but it usually don’t worth it as the additional payment processing fees are really important.

Sending money with an international money transfer company like Transfergo, Xendpay or TransferWise should take a bit longer, the money usually arriving the next business day.


Chapter 3

What are the companies that offer international money transfers?


Because there are so many Poles living in the UK, the market is really saturated. Monito reference more than 24 companies on its live comparison.

As a customer, you can easily choose one of the international/UK companies, like Western Union, Xendpay or TransferGo, or pick a company that is specific to Polish market, like Sami Swoi, Easysend or England.pl.


Chapter 4

How to send money to a Polish bank?


Before you send money to Poland make sure, that you have all of the important numbers with you. What do you need? First of all, you need your Local Bank Information, like Bank SWIFT/ BIC Code, IBAN and account number.

What is Bank SWIFT? It is an international bank code. It identifies particular banks worldwide. The other name for Swift is Bank Identifier Code (BIC). A SWIFT code consists of 8 or 11 characters. If you need to check the SWIFT code of a Polish Bank, visit the website. SWIFT delivery usually takes around 24 h.

While sending money to Poland remember, that you can send them within SEPA, which is Single European Payments Area. It allows cross-border Euro transfers that can be described as an equivalent of a local money transfer.


Chapter 5

What is the price of sending money to Poland?


While making international money transfer from the UK to Poland, the most important thing is to decided when you need your money to reach the recipient’s account.

The speed influences the final price of the transfer. The faster the money is on your recipient’s account, the more you need to pay for it. One might say, the standard in the industry is to have your money delivered within one business day.

A dozen of other parameters influence the price of sending money to Poland. You should check out Monito’s live comparison of more than 24 companies to find the cheapest or fastest!

 

We're here to help

Pascal Briod

Hi! I'm Pascal and I am in charge of making Monito as helpful as possible for you. Don't hesitate to drop me a line if you have a question, if you need help to understand the results or to find the best operator for your transfer.

Questions you may have

Yes. We only list money transfer operators or banks that are fully authorized and monitored by the regulation authorities of the countries where they operate.

Before each international money transfer, you should come and compare the costs of the different options on Monito, as they may have changed. Once you fill out the above form and click on compare, you’ll see a list of all the options to send money between two countries. The cheapest option is at the top, but you may want to consider other criteria such as the speed of transaction or the pay-in or pay-out methods.

Of course! Banks are usually not the best way to make international money transfers. The fees can be quite low (and sometimes even zero), but beware of the poor exchange rates which banks often apply. We list as many banks as possible in our results, so do compare to find out if you’d be better off switching to another bank or a specialized money transfer company.

Monito is not a money transfer company. We’re here to help you find the best way to send money abroad. Just tell us which country you’re sending money from and which country you want to send money to, and we’ll show you a list of all available services. Once you select the best one for your needs, you'll be redirected to their website to get started with your money transfer.

As much as we try to have complete information and to include as many money transfer companies in our results, we sometimes miss a few. In this case, the best solution would be to write us a short message to let us know what’s missing!