Send Money from the UK to Poland
Compare current GBP → PLN rates from 17+ providers. No hidden fees.
Why People Send Money UK → Poland
Poland has the second-largest migrant community in the UK — an estimated 750,000–1 million Polish nationals. Many send money home to support family members, cover mortgage payments on Polish properties, fund education, or contribute to savings. The GBP→PLN corridor is one of the UK's highest-volume transfer routes.
Pro Tip: Use SEPA-zone providers for the lowest fees
Poland is in the EU but not in the eurozone. GBP→PLN transfers go through standard SWIFT/SEPA-like corridors. Wise and Revolut typically offer mid-market or near-mid-market rates for GBP→PLN, making them significantly cheaper than UK banks.
How to send money from UK to Poland
- Compare GBP→PLN rates: Use the comparison table above to see how much PLN your recipient receives. Rate margins vary by 1–3% between providers, which on £500 is £5–£15.
- Register with your provider: Sign up with a UK passport or driving licence. Wise, Revolut, and WorldRemit all have fast UK onboarding. Identity verification typically takes under 5 minutes.
- Enter Polish bank details: You need the recipient's Polish IBAN (28 characters, starting with PL) and the bank name. Major Polish banks: PKO BP, Bank Pekao, mBank, ING Bank Śląski, Santander Bank Polska. Polish IBANs are always 28 characters.
- Choose your payment method: UK Faster Payments (bank transfer) is free and fastest. Debit card is also available but typically adds 0.5–2% to your cost. Avoid credit card payments — they may incur cash advance fees from your card issuer.
- Confirm and track: Most providers deliver GBP→PLN within 1–2 business days. You will receive email confirmation and can track your transfer in-app.
What to know
Poland uses IBANs
Polish bank accounts use IBANs — 28 characters starting with "PL" followed by 26 digits. Your recipient can find their IBAN in their Polish banking app or on a bank statement. Entering the correct IBAN avoids rejected transfers. Major Polish banks: PKO BP (Poland's largest), Bank Pekao, mBank, ING Bank Śląski, Santander, Alior Bank.
No tax on incoming remittances
Poland does not tax incoming personal remittances. There is no limit on the amount you can send from the UK to Poland for personal or family purposes. For amounts above £10,000, UK providers are required to report the transfer under anti-money laundering regulations — this is handled automatically.
Avoid UK bank SWIFT transfers
UK high-street banks typically charge £15–£30 in SWIFT fees for transfers to Poland plus apply a 2–4% exchange rate margin. On a £500 transfer, this can cost £25–£50 more than using Wise or Revolut. Use a specialist transfer service for this corridor.
For UK→Poland, Wise is typically the cheapest option — mid-market GBP→PLN rate with a low transparent fee. Revolut (on a paid plan) also offers competitive rates. WorldRemit covers Poland with bank transfer options. Western Union supports Poland but at a higher rate margin. Avoid UK bank SWIFT transfers — fees and rate margins are significantly higher than specialist services.
FAQs
What is the cheapest way to send money from the UK to Poland?
Wise is typically the cheapest for GBP→PLN transfers — it uses the mid-market rate with a small transparent fee. Revolut on a paid plan is also competitive. Both are significantly cheaper than UK bank SWIFT transfers, which add £15–£30 in fees plus a 2–4% exchange margin. Use the live comparison above to see today's best rate.
How long does a transfer from UK to Poland take?
Most providers deliver GBP to Polish bank accounts within 1–2 business days. Wise typically delivers within 1 business day for transfers submitted during UK business hours.
What bank details do I need to send money to Poland?
You need the recipient's Polish IBAN — 28 characters starting with "PL" (e.g. PL61 1090 1014 0000 0712 1981 2874). Recipients can find their IBAN in their banking app, on a bank statement, or by asking their bank. Major Polish banks: PKO BP, Bank Pekao, mBank, ING Bank Śląski, Santander.
Can I use Revolut to send money to Poland?
Yes. Revolut supports GBP→PLN transfers to Polish bank accounts. On a free plan, Revolut applies a small exchange rate margin; on paid plans (£4.99–£16.99/month), you get the mid-market rate for a set monthly allowance. For large or frequent transfers, Wise is often cheaper overall than a Revolut paid plan.
Is there a limit on sending money from the UK to Poland?
Most providers allow £10,000–£30,000 per transaction for verified accounts. For larger amounts, contact the provider directly. UK regulations require providers to report transfers above £10,000 — this is handled automatically and does not affect your transfer.