Transfer from Poland to Ukraine — cost and delivery time comparison
Data from official sources · No login required · We do not sell placement · Order: alphabetical, not a ranking · How we verify data
Sending money from Poland to family or to an account in Ukraine? Ukraine is outside the SEPA area, so two routes are available: cash collection/mobile money, usually within minutes, and a transfer to the recipient’s bank account. Cost and delivery time depend on the amount, method and provider — confirm the values below with the provider before sending.
Fastest methods — cash collection and mobile money
| Provider | Delivery method | Time | Fee model | Source |
|---|---|---|---|---|
| Western Union | cash collection, bank account | minutes (cash) – days (account) | depends on the amount and method — confirm | provider website ↗ |
| Remitly | cash collection, account, mobile money, card | minutes – business days | depends on the amount and method — confirm | provider website ↗ |
| MoneyGram | cash collection, bank account | minutes (cash) – days | depends on the amount and method — confirm | provider website ↗ |
| Paysend | card, bank account, wallet | usually minutes | depends on the amount and method — confirm | provider website ↗ |
Transfer to the recipient’s bank account
| Provider | Delivery method | Time | Fee model | Source |
|---|---|---|---|---|
| Wise | recipient’s bank account (UAH) | 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 Ukraine 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 Ukraine?
- The cost depends on the amount, delivery method and provider, so we do not identify a single “cheapest” option. Compare each provider’s pricing model (fixed fee, percentage fee and FX spread) and confirm the final cost with the provider before sending.
- Can I send cash for collection in Ukraine?
- Yes. Some providers, such as Western Union, MoneyGram and Remitly, offer cash collection — a common method for corridors outside the SEPA area. Confirm available methods and delivery time with the provider.
- How long does a transfer from Poland to Ukraine take?
- Cash collection and mobile money usually take minutes. A bank account transfer typically takes from minutes to 1–2 business days. The exact time depends on the provider and method.
- Do I need a PESEL number to send a transfer?
- A PESEL number is usually not required solely to send a transfer — the provider verifies your identity using an identity document. Confirm the specific provider’s requirements at the source.
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Example for 1 000,00 PLN → UAH. We show what is known about the cost and where to check the final amount with the provider.
Bank MillenniumOnly some cost components are known
Credit Agricole Bank PolskaOnly some cost components are known
CurrencyFairThe provider gives the price after you enter details
mBankOnly some cost components are known
MoneyGramThe provider gives the price after you enter details
Nest BankThe provider gives the price after you enter details
PaysendThe provider gives the price after you enter details
PayseraOnly some cost components are known
RemitlyThe provider gives the price after you enter details
Walutomat (Currency One)The provider gives the price after you enter details
Western UnionThe provider gives the price after you enter details
WiseOnly some cost components are knownValues are estimates as of the check date, based on provider sources and the NBP reference rate — they are not an offer or a guarantee. SWIFT may involve intermediary-bank and recipient-bank fees. Confirm the final amount, rate and fees directly with the provider. The order of providers is neutral (alphabetical).