Send Money from Germany to Poland

Measured on the full cost — the transfer fee plus the exchange-rate margin — Wise is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. Paysend advertises no transfer fee here, which looks cheaper and often is not: a provider with no fee recovers it in the rate, and the margin is usually the larger of the two costs. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Polish złotys rather than the headline fee.

At €1,000, Wise is the cheapest of the 3 providers priced at that amount on this corridor: about €6.20 all in, or 0.62% of the amount sent. Remitly is next at about €10.90. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Paysend, TransferGo and Panda Remit can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are bank deposit, cash pickup, card payout and mobile wallet. The most widely used options in Poland are bank deposit over the Express Elixir instant rail, plus a wide cash pickup network. Poland is in the EU but has not adopted the euro — sending euros instead of złoty usually triggers a second, worse conversion at the recipient's bank. Not every provider supports every method, so check the table above before you commit.

No. Remitly and Western Union offer cash pickup in Poland, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, bank deposit over the Express Elixir instant rail, plus a wide cash pickup network generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to PLN, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Germany under BaFin, which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

no Germany to Poland page is published on its German site and Poland is not listed among the receiving countries there If you already use that service, you will need an alternative from the comparison table above for this corridor.

Poland is in the European Union but not in the euro, so this is a euro to zloty conversion and not a SEPA payment. SEPA covers only the euro leg, and the conversion spread is where the entire cost sits. German bank transfers still matter as a funding method even though the payout is in zloty: TransferGo names a bank transfer as its cheapest funding route and Remitly lists German bank transfer options alongside cards. The digital-first providers publish the most on this corridor. Western Union's German Poland page publishes payout and funding options but no fee figures, and WorldRemit publishes no Germany to Poland page at all, so the comparison here is thinner than the market is. This is not a temporary quirk that euro adoption will fix. Poland's finance minister said flatly in January 2026 that Poland will not adopt the euro, arguing the economy is outperforming most eurozone members (3.4% growth projected for 2026) and that the złoty is helping, not hurting; polling has run about three to one against adoption. Bulgaria joined the euro that same month, and other EU members are on a path toward it — Poland is deliberately staying out, so a German sender should expect to keep quoting PLN rather than EUR indefinitely, not just for now.