Send Money from Germany to Poland
Fast EUR → PLN transfers with regularly updated rates. Compare and save.
Why People Send Money Germany → Poland
Germany and Poland share a 470 km border and strong economic ties. Hundreds of thousands of Polish workers commute or reside in Germany, sending regular remittances home for rent, family expenses, and savings. This is one of Europe's highest-frequency transfer corridors.
Pro Tip: Same-Day Transfers Are Often Free
For this corridor, online providers like Wise and Revolut frequently offer same-day delivery at lower cost than bank SEPA transfers. Weekend transfers usually settle at the same speed as weekdays.
How to send money from Germany to Poland
- Compare EUR→PLN rates: Check the live comparison table above. For small regular transfers, the exchange rate margin matters most — even a 0.5% difference on €500/month adds up to €30/year.
- Sign up with your chosen provider: Registration takes under 5 minutes. You will need your German ID or passport. Wise and Revolut also verify you via a quick selfie on your phone.
- Enter the Polish IBAN: Polish IBANs are 28 characters long and start with "PL". Your recipient can find their IBAN in their online banking app or on a bank statement. You also need their full name.
- Select your payment method: A SEPA transfer from your German bank is free and settled quickly — Poland is within the SEPA zone so transfers are treated like domestic transactions. Card payments are slightly faster but cost more.
- Send and track: Confirm the recipient amount in PLN before submitting. Both sender and recipient typically receive notifications when the money arrives — usually within the same business day.
What to know
Poland is in the EU but not the Eurozone
Poland is a European Union member but uses its own currency, the Polish Zloty (PLN). This means SEPA transfers to Poland are straightforward in terms of banking infrastructure, but you still need to convert EUR to PLN. The EUR/PLN rate fluctuates daily, so compare rates before each transfer.
Polish IBAN format
Polish IBANs start with "PL" followed by 26 digits — 28 characters total. This is longer than many Western European IBANs. Make sure your recipient provides the full IBAN including the "PL" prefix. Some older Polish bank interfaces show only the 26-digit number without the "PL" prefix — add it manually.
No tax on incoming remittances
There is no Polish tax on money received from abroad for personal use such as family support. For amounts above PLN 9,637 (approximately €2,200) received as a gift from a non-relative in a single year, Polish gift tax rules may apply. Transfers from immediate family members are exempt regardless of amount.
The Germany→Poland corridor is one of the most competitive in Europe, meaning providers offer excellent rates. Wise is consistently one of the cheapest options. Revolut is popular among younger senders, especially those already using the app for daily banking — it offers fee-free transfers up to a monthly limit depending on your plan. Paysend charges a flat €1.50 fee with a competitive rate, making it excellent for smaller amounts. TransferGo has a strong focus on European corridors including Germany→Poland and often offers fast same-day delivery. For very regular transfers, compare Wise and Paysend — they are usually the cheapest on this specific corridor.
FAQs
How long does a transfer from Germany to Poland take?
Most online providers deliver EUR to a Polish bank account within hours. Wise and Revolut often complete transfers the same day. Traditional SEPA transfers from German banks also reach Poland within 1 business day.
Is it cheaper to use Wise or Revolut for Germany to Poland transfers?
Both Wise and Revolut offer very competitive EUR→PLN rates. Revolut is free up to monthly limits with a premium plan; Wise charges a small percentage fee. For amounts under €500, Revolut is often slightly cheaper. For larger amounts, compare both in our table above.
Can I send euros directly to a Polish bank, or does it need to be PLN?
You can send either. Most Polish bank accounts can receive EUR (many banks offer multi-currency accounts). However, if you want your recipient to get PLN, use a transfer service that converts EUR→PLN at the sending stage — you'll typically get a better rate than the Polish bank's internal conversion.
Do I need the Polish IBAN to send money to Poland?
Yes. Polish bank accounts use a 28-character IBAN starting with PL. You'll need this plus the recipient's full name and bank name. Wise, WorldRemit, and most other online providers accept Polish IBANs directly.
Is there a minimum amount for transfers from Germany to Poland?
Most providers have very low minimums for this corridor — Wise starts from €1, Revolut has no minimum. For very small amounts under €50, check the fixed fee first as it can make up a large percentage of the transfer. Paysend's €1.50 flat fee is great for small amounts.
Can I set up a recurring transfer from Germany to Poland?
Yes. Wise, Revolut, and several other providers allow you to schedule recurring transfers (weekly or monthly). This is useful if you send money home on a fixed schedule. Some providers lock in the rate for recurring transfers for a limited period.