How to send money to Poland

Here's how to send a quick, affordable and secure money transfer to Poland.

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As the world becomes increasingly connected and Australians form stronger ties with people in countries all over the globe, the need to send international money transfers continues to grow. If you need to send money to Poland, no matter whether you’re buying a handmade dress from a Polish fashion designer or simply sending money to a relative, it’s quick, easy and affordable to do so.

Read on to find out how you can save money and time when you need to send an international money transfer to Poland by comparing the different options available for this service.

Send money to Poland with Send

Send guarantees to match any competitor’s exchange rate. T&Cs apply.

Send has fee-free transfers in 30+ currencies to over 200 countries.

  • Fee-free transfers
  • 30+ currencies
  • Easy to use

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 10 Within an hour AUD 2.99 2.839 PLN
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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AUD 2,000 1 day AUD 0.00 2.842 PLN
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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AUD 1 Same day AUD 0.00 2.847 PLN
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 2,000 1 day AUD 0.00 2.833 PLN
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
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AUD 5 1 - 2 days EUR 3.00 2.842 PLN
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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AUD 1 1 - 2 days AUD 25.00 2.85 PLN
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 1 Same day AUD 3.99 2.847 PLN
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.
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Banks versus money transfer companies, which is your best option?

If you want to send money to Poland you might like to approach your bank. If you’ve already got an account set up, it’s quite easy to lodge an international money transfer.

However, it’s an unfortunate fact that banks charge high transfer fees and also offer exchange rates which are typically much lower than the prevailing market rates. With this in mind, you might be better off considering the services of a specialist money transfer company. These companies offer fast and affordable international money transfers, typically providing much better exchange rates and lower fees than those you can find from a bank.

Guy Sends Money to Poland

Guy needs to send $2,000 to his aunt and uncle in Poland, but he doesn’t like the sound of the low exchange rate and high fees his bank is offering. The official currency of Poland is the Polish złoty.

Desperate for a better deal, he does some research and compares his bank’s money transfer features with those offered by a specialist money transfer provider. The results of his comparison show just how much money he can save with a money transfer company.

BankMoney Transfer Service
Exchange rate1 AUD = 2.73 PLN1 AUD = 3.01 PLN
Transfer fee$30$4
Transfer time2-5 days24-48 hours
Transfer optionsBank account transferBank account transfer
Amount received (Polish Zloty)5,4605,999.17

As the above table shows, Guy can send 530 PLN more back to Poland by using a money transfer service, while he can also enjoy a significant saving in terms of the transfer fee.

Today's exchange rate AUD to PLN

How do you compare transfer companies when transferring money to Poland?

  • Exchange rates. The exchange rate is one of the most important factors to look for when lodging an international money transfer. A higher rate is always a good thing, but check to see if a company offers a slightly lower rate in return for also offering lower transfer fees.
  • Fees. Most companies will charge a fee for every transfer you complete, but some will scrap their fee when you transfer more than a certain amount, for example; $5,000.
  • Transfer methods. Check how you can lodge transfers with different providers: online, over the phone and/or by visiting a branch.
  • Transfer options. Some money transfer companies will offer flexible features to help make it easier and more cost-effective to send money overseas. These include market orders and forward rates to help you get an attractive exchange rate, plus the ability to schedule regular payments in advance.
  • Minimum transfer amounts. Check the fine print to see whether a provider has a minimum transfer amount in place. If you only want to send a small amount of money and won’t reach this limit, look elsewhere for a different provider.
  • Turnaround time. While some services allow your cash to be picked up within minutes, others can take several days for your money to reach its destination.
  • Pickup methods. Are the funds transferred into your recipient’s bank account, or are they able to visit a branch location or convenience store and pick up cash?
  • Customer service. This is a very important area that many people overlook when comparing money transfer providers. Look for phone, email and live chat support options so that you can receive assistance with a transfer whenever you need.
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How can you send money to Poland from Australia?

If you want to send money to Poland, make sure to consider the following options:

  • Specialist money transfer company. These money transfer providers offer fast and affordable transfers to Poland. Examples of companies that offer this service include CurrencyFair and OFX.
  • Cash pick up money transfer provider. Companies like Western Union and MoneyGram allow you to send funds from Australia which can then be picked up in cash in Poland within minutes.
  • Bank transfer. Most banks will allow you to send money from Australia to Poland, but you will typically be able to find lower fees and better exchange rates elsewhere.
  • PayPal. Once you and your recipient have opened PayPal accounts, you can use this reliable online payment system to send money overseas.
  • International money order. This old-fashioned method is being slowly phased out around the world, but it allows you to get an international guaranteed cheque from your bank or post office.
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Emergencies happen, how can you get cash quickly in Poland?

When things go wrong and you find yourself in an emergency, you may find yourself needing to send funds from Australia to Poland as quickly as possible. When this happens, it can be quite easy not to pay full attention to the particulars of your international money transfer.

However, it’s vital that you keep your wits about you and take the time to read the fine print before committing to any transaction. High fees and terrible exchange rates can end up costing you much more than a pretty penny, so double check all the details of any transaction before you sign on the dotted line.

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Where can you pick up cash at Western Union and MoneyGram outlets in Poland?

Western Union and MoneyGram both allow you to transfer money to Poland so it can be picked up in cash from an agent location. If you use one of these convenient services, remember that your recipient will need details of the transaction and photo ID in order to pick up the money. If you’ve transferred a large amount, they may need to phone ahead to ensure the agent has enough cash on hand for them to pick up.

Western Union

  • 1 Minute

    Zwirki I Wigury 1 Lotnisko Okecie Ter 2


    Warszawa, Mazowieckie 00 906


    Open 5:30am to 11:30pm 7 days

  • Niepodleglosci Naruszewicza

    Metro Wierzbno

    Warszawa, Mazowieckie


    Open 6am to 10pm Monday to Saturday, open 8am to 8pm Sunday

  • Inmedio

    Kamienskiego11lok C 1 C H Bonarka Krakow


    Krakow, Malopolskie 30 644


    Open 8am to 9pm Monday to Saturday, open 9am to 10pm Sunday

  • Interchange Polska

    Pijarska 23

    Krakow, Malopolskie 31-042


    Open 8am to 10:45pm 7 days


  • Up Warszawa 81 - #1724

    Nowogrodzka 45

    Warszawa, 00-694


    Open 8am to 8pm Monday to Friday, open 8am to 4pm Sunday

  • Bank BGZ

    Wawozowa 18

    Warszawa, 02-796


    Open 8am to 4:15pm Monday and Tuesday, open 10am to 6:15pm Wednesday to Friday

  • Bank BGZ

    Pawia 5

    Krakow, 31-154


    Open 8am to 9:15pm Monday to Friday

  • Bank BGZ

    Sw. Gertrudy . 24

    Krakow, 31-048


    Open 9am to 5:15pm Monday to Friday

Learn more about using the Polish zloty in Poland

Tips and things to be aware of when picking up cash in Poland

According to the Department of Foreign Affairs and Trade, Poland is quite a safe country to travel to, with visitors recommended to ‘exercise normal safety precautions’. However, just because Poland is considered safe to visit doesn’t mean you should forget to be careful when picking up cash.

Take a friend with you when you pick up the funds to take advantage of the extra security not being on your own offers. Don’t wave your cash around in front of any strangers and make sure to avoid any nasty areas of town, and it's always best to head straight to your bank to deposit the cash.

If you want to find out more about travelling to Poland, hit up travel blogs and forums for handy tips from other travellers.

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Transfer money from Australia to Poland quickly and easily

The list above shows that there are several options to choose from when you want to send money to Poland. While the transfer method does vary slightly depending on the option you choose, you’ll generally have to open an account with a provider before they allow you to transfer funds. This means you’ll need to provide your name, address, date of birth and proof of identification.

After lodging your transfer, hold on to any receipt or tracking number you are given so that you can stay abreast of the progress of your funds.

Sending money to Poland is quick, easy and entirely affordable - just make sure to compare your options and find a provider that offers the best combination of convenience and cost-effectiveness.

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International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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