International transfers
How to choose an international transfer - and why the 'cheapest' option depends on the country and amount
There is no single 'cheapest transfer' - the cost and delivery time depend on the recipient's country, the amount and the payout method. Calculate the actual cost in the calculator or on the relevant corridor page, and use this comparison to choose a provider by payout method and speed. The table is alphabetical and neutral; it is not a sponsored ranking.
Cost: fee + FX margin
There are two components: the fee (fixed or dependent on the country/amount) and the exchange-rate margin. A '0 fee' offer may still include a margin in the exchange rate. Use the calculator to find the actual cost for your amount and destination.
Speed
From a few minutes (often for cash pickup / wallet transfers) to several business days (bank-account transfer, SWIFT). Check 'Estimated time'.
Payout method
Bank account, cash pickup, wallet / mobile money or card - this is often decisive when the recipient does not have a bank account. See 'Payout methods'.
Recipient country (corridor)
Availability, cost and delivery time depend on the destination. Open the corridor page (e.g. Poland→Ukraine) or calculate the cost in the calculator - not every provider supports every country.
Supported currencies (sending and receiving)
Not every service sends in PLN, and not every service pays out in a given currency. Example: Instarem from Poland can be funded only in EUR and does not support UAH/PLN on the payout side. Check "Transfer currencies" and calculate the corridor in the calculator - it will show only providers that support your currency pair.
Funding method
How you fund the transfer (bank transfer/card/balance) affects cost and time. See "Funding methods".
Protection of funds
Transfer operators are usually payment institutions / EMIs - funds are subject to safeguarding (segregated), not a deposit guarantee. See "Trust and structure".
Choose by a specific criterion
For a recipient without a bank account - cash payout at a location.
MoneyGram, Remitly, Western Union
Payout to a digital wallet or mobile money (important in some Asian/African corridors).
MoneyGram, Paysend, Remitly
Providers offering delivery in minutes (depending on the country and method).
Instarem, MoneyGram, Paysend, Remitly, Western Union, Wise
The full comparison of methods and delivery times - together with links to popular corridors (Poland→Ukraine and others) - is available in the table and section below. Calculate the cost for a specific amount in the corridor calculator.
International transfers and remittances from Poland
Compare ways to send money abroad from Poland - Polish and foreign institutions, with every value source-backed. Cost and delivery time depend on the recipient’s country and the amount - confirm with the provider.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- SEPA according to the fee schedule
- SWIFT carries a fee, usually higher
- mBank - bankowy fundusz gwarancyjny
- mBank - ekonto walutowe
- mBank - ekonto walutowe
- mBank - usługa wielowalutowa
- mBank - przelewy zagraniczne
- mBank - arkusz informacyjny
- mBank - karta do konta walutowego eur
- mBank PL - Apple App Store listing
- mBank - konto na selfie (otwarcie online)
- mBank - jezyki serwisu i obslugi
- mBank - przelewy zagraniczne (SEPA/SWIFT)
- mBank - dokumenty potwierdzające tożsamość (cudzoziemcy)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- mBank - eKonto walutowe
- mBank - dokumenty potwierdzajace tozsamosc (cudzoziemcy)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- fixed fee (low)
- depends on the recipient’s country
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Which countries does Paysera operate in?
- Paysera homepage
- Paysera account benefits
- Paysera currency conversion
- Paysera euro transfer fees
- Paysera payment card fees
- Paysera - FAQ (account opening / verification)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Paysera - Visa payment card
- Paysera - how to open an account
- Paysera - Apple Pay & Visa card
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Western Union PL - transfer money online
- Strona produktu (usługa przelewu - brak salda)
- Podatki - ramy ogólne (przelew nie jest zdarzeniem podatkowym)
- Strona produktu (instytucja płatnicza - safeguarding)
- Western Union - informacje korporacyjne: Western Union International Bank GmbH (bank, AT); Oddzial w Polsce nadzorowany przez KNF
Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- fixed fee + % (transparent
- depends on the currency)
- Where do I need to live to hold money with Wise?
- Wise Cennik (PL)
- Wise Konto Wielowalutowe (PL)
- Wise: which currencies can I add/keep/receive
- Wise: receive with GBP account details
- Wise: how is Wise regulated
- Wise: how Wise Europe SA safeguards funds
- Wise Platform: ordering cards
- Wise - Apple App Store listing
- Wise Help Centre - what you need for ID verification
- Wise - send money from Poland (kurs mid-market)
- Wise - Help Centre (verification / eligibility)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Wise - Card Supplement Agreement (TW Europe)
- Wise - Wise card with Apple Pay / mobile wallets
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Popular corridors - transfer from Poland to…
WTP Finance is informational only. We do not broker contracts, handle funds or provide financial advice. Always verify the terms with the provider.