Send Money from the UK to Poland

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at £1,000, across the 4 providers we hold checked figures for. Revolut 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, Remitly is the cheapest of the 4 providers priced at that amount on this corridor: about £3.29 all in, or 0.33% of the amount sent. Wise is next at about £4.64. 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.

Yes. Up to £100, Wise costs least on this corridor; from £250 upwards, Remitly does. The change happens somewhere between those two amounts — they are the amounts actually priced, so naming a precise crossing point would be a guess dressed as a figure. This happens because a transfer costs a flat fee plus a percentage of the amount, and those two scale in opposite directions: on a small transfer the fee dominates, on a large one the exchange-rate margin does. It is why a comparison taken at a single amount can point you at the wrong provider for yours.

Most transfers on this corridor arrive within one to three business days. Paying by debit card is generally faster than a bank transfer, and transfers initiated outside banking hours may not begin processing until the next working day.

Across the providers we compare, the available payout methods are Revolut-to-Revolut, bank deposit, cash pickup and card payout. 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, MoneyGram 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 GBP 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 the UK under the Financial Conduct Authority (FCA), 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.

Poland uses the złoty, not the euro, despite EU membership. Sending euros to a Polish account normally triggers a second conversion at the recipient's bank — make sure your provider quotes PLN directly. SEPA only carries euros, so a transfer from a sterling account is converted to euros first and then travels on SEPA rails. That conversion, not the SEPA leg, is where most of the cost sits. For Poland that means SEPA is largely beside the point: złoty transfers travel over the provider's own Polish banking partnerships instead. Express Elixir and BLIK are Poland's domestic instant rails. They govern how money moves once it is already in a Polish account, and are not selectable as a payout method from a UK transfer. The złoty is not going anywhere, so the advice above is durable rather than a temporary quirk. 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 the złoty is helping; polling has run about three to one against adoption. Bulgaria joined the euro in January 2026 and several other EU members are on a path to it — Poland is deliberately not, so quote PLN and expect to keep doing so.