Compare the real cost of sending Euro to Polish Zloty. Ranked by net amount received on €1,000.00 after every flat fee, transfer fee and FX margin. Mid-market rate as of 2026-07-28: 1 EUR = 4.323 PLN.
| Provider | Rate (after margin) | Flat fee | FX margin | Total deductions | Recipient gets ↑ |
|---|---|---|---|---|---|
| RevolutBest | 4.323 | — | 0% | zł0.00 | zł4,322.97 |
| InstaReM | 4.3122 | — | 0.25% | zł21.59 | zł4,301.38 |
| XE Money Transfer | 4.3014 | — | 0.50% | zł21.61 | zł4,301.35 |
| Paysend | 4.3014 | $2.00 | 0.50% | zł29.17 | zł4,293.79 |
| Wise (TransferWise) | 4.323 | $1.00 | 0% | zł31.87 | zł4,291.10 |
| TransferGo | 4.2884 | $1.00 | 0.80% | zł38.35 | zł4,284.62 |
| OFX | 4.2797 | — | 1.00% | zł43.23 | zł4,279.74 |
| Remitly | 4.2581 | $2.99 | 1.50% | zł76.03 | zł4,246.94 |
| Ria Money Transfer | 4.2365 | $2.99 | 2.00% | zł97.59 | zł4,225.38 |
| WorldRemit | 4.2365 | $3.99 | 2.00% | zł101.31 | zł4,221.65 |
| Western Union | 4.2365 | $5.00 | 2.00% | zł105.07 | zł4,217.89 |
| Skrill | 4.2581 | — | 1.50% | zł126.59 | zł4,196.38 |
| MoneyGram | 4.2149 | $5.00 | 2.50% | zł126.59 | zł4,196.37 |
| PayPal / Xoom | 4.1933 | $4.99 | 3.00% | zł148.08 | zł4,174.89 |
Sending €1,000.00. Effective rate = mid-market minus the provider's FX margin. Indicative only — verify before sending. Open the live comparator →
Transfers from the Eurozone to Poland are most commonly sent for family support and savings. On a €1,000.00 transfer, the choice of provider can make a difference of zł148.08 — money that disappears into fees and FX margin when you pick the wrong service.
The advertised exchange rate is rarely what you get. Most banks and transfer services quote a rate that includes a hidden FX margin of 0.5–4% above the mid-market EUR/PLN rate. That margin is often the largest single cost on a transfer, which is why FX Skipper deducts it before ranking and shows you what actually arrives in Poland.
Right now, Revolut gives the best net result on €1,000.00: your recipient receives about zł4,322.97 (0.00% total cost). Always check the live comparator before sending — rates move daily.
Total cost ranges from about zł0.00 with the cheapest provider to zł148.08 with the most expensive — a difference of roughly zł148.08 on a single transfer.
The mid-market rate is approximately 1 EUR = 4.323 PLN as of 2026-07-28. Providers add an FX margin on top — the table shows each provider's effective rate after that margin is deducted.
Transfer times vary by provider and delivery method. Online services like Wise, Paysend and Revolut can deliver in minutes for bank transfers in many corridors. Cash pickup via Western Union or MoneyGram is also available in most corridors in minutes. Bank deposit typically takes 1–3 business days.
Yes, when you use a licensed and regulated provider. All providers listed are established international services regulated in multiple jurisdictions. Always confirm the provider holds a valid licence in the Eurozone and that the receiving method suits your recipient in Poland.
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