Transfer from Poland to Moldova — cost, delivery time and methods
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Sending money from Poland to Moldova? Moldova is outside the SEPA area — cash collection, wallet payouts and bank account transfers are available. Cost and delivery time depend on the amount, method and provider — confirm them with the provider before sending.
Fastest methods — cash collection and mobile money
| Provider | Delivery method | Time | Fee model | Source |
|---|---|---|---|---|
| Western Union | cash collection, account, wallet | minutes (cash) – days | depends on the amount and method — confirm | provider website ↗ |
| Remitly | cash collection, account, wallet | minutes – business days | depends on the amount and method — confirm | provider website ↗ |
| MoneyGram | cash collection, account, wallet | minutes (cash) – days | depends on the amount and method — confirm | provider website ↗ |
Transfer to the recipient’s bank account
| Provider | Delivery method | Time | Fee model | Source |
|---|---|---|---|---|
| Wise | bank account (MDL) | minutes – 2 business days | depends on the amount and method — confirm | provider website ↗ |
From an account at a Polish bank (SWIFT) — fee according to the fee schedule
A SWIFT transfer goes to a bank account, not for cash collection, and usually takes 1–3 days. Fees come from bank fee schedules; the exchange rate is usually based on the bank’s rate table, including a spread. This is an actual, disclosed price — unlike cash transfer services, which show the cost only for a specific transaction.
| Bank | SWIFT transfer fee | Source |
|---|---|---|
| Bank Millennium | 0,5% min. 20 zł, max. 125 zł (SWIFT); SEPA EUR 0 zł online | Bank Millennium fee schedule |
| Credit Agricole | 0,25% min. 60 zł, max. 300 zł (SWIFT); SEPA EUR 0 zł online | Credit Agricole fee schedule |
| Nest Bank | SWIFT: check with the provider; SEPA EUR 0 zł online | Nest Bank fee schedule |
Fintechs with transparent pricing — published pricing model
These fintechs disclose their pricing model in advance (exchange rate + fee), so the cost can be calculated before sending — unlike Western Union, MoneyGram or Remitly, which show the full cost only for a specific transaction. The values shown are source-based pricing models, not per-transfer amounts, which depend on the amount and currency.
| Provider | Cost model | Source |
|---|---|---|
| Wise | interbank rate, 0% markup | Wise fee schedule / calculator |
| Paysera | 7 EUR (<10 000 EUR); 10 EUR (≥10 000 EUR) | Paysera fee schedule |
| Revolut | Check with the provider | — |
| Paysend | Check with the provider | — |
How much does a transfer to Moldova cost — what makes up the total cost?
The total cost consists of the provider’s fee and the FX spread (the difference between the interbank rate and the provider’s rate). Compare both — a low fee combined with a worse rate may cost more. See also: international transfer fees, interbank rate.
Delivery time — what does it depend on?
Cash collection and mobile money usually take minutes. An account transfer takes from minutes to 1–2 business days; a traditional bank SWIFT transfer takes 1–3 days.
Security — are funds protected during the transfer?
Funds in transit are not covered by a deposit guarantee — neither the Polish BFG nor a foreign DGS. Payment institutions use safeguarding (segregation of funds), which is different from a deposit guarantee. See also: bank vs EMI.
Frequently asked questions
- What is the cheapest way to transfer money from Poland to Moldova?
- The cost depends on the amount and method — compare the fee and exchange rate (spread), and confirm the result with the provider.
- Can I send cash for collection in Moldova?
- Yes — Western Union, MoneyGram and Remitly offer cash collection. Confirm available methods with the provider.
- How long does a transfer to Moldova take?
- Cash collection usually takes minutes; an account transfer takes from minutes to 1–2 business days.
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