Compare the real cost of sending US Dollar 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 USD = 3.799 PLN.
| Provider | Rate (after margin) | Flat fee | FX margin | Total deductions | Recipient gets ↑ |
|---|---|---|---|---|---|
| RevolutBest | 3.799 | — | 0% | zł0.00 | zł3,799.03 |
| InstaReM | 3.7895 | — | 0.25% | zł18.97 | zł3,780.06 |
| XE Money Transfer | 3.78 | — | 0.50% | zł19.00 | zł3,780.04 |
| Paysend | 3.78 | $2.00 | 0.50% | zł26.56 | zł3,772.48 |
| TransferGo | 3.7686 | $1.00 | 0.80% | zł34.16 | zł3,764.87 |
| Wise (TransferWise) | 3.7628 | $1.00 | 0% | zł36.21 | zł3,762.82 |
| OFX | 3.761 | — | 1.00% | zł37.99 | zł3,761.04 |
| Remitly | 3.742 | $2.99 | 1.50% | zł68.17 | zł3,730.86 |
| Ria Money Transfer | 3.7231 | $2.99 | 2.00% | zł87.11 | zł3,711.92 |
| WorldRemit | 3.7231 | $3.99 | 2.00% | zł90.84 | zł3,708.20 |
| Western Union | 3.7231 | $5.00 | 2.00% | zł94.60 | zł3,704.44 |
| Skrill | 3.742 | — | 1.50% | zł111.25 | zł3,687.79 |
| MoneyGram | 3.7041 | $5.00 | 2.50% | zł113.50 | zł3,685.54 |
| PayPal / Xoom | 3.6851 | $4.99 | 3.00% | zł132.36 | zł3,666.67 |
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 United States 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 zł132.36 — 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 USD/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 zł3,799.03 (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 zł132.36 with the most expensive — a difference of roughly zł132.36 on a single transfer.
The mid-market rate is approximately 1 USD = 3.799 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 United States and that the receiving method suits your recipient in Poland.
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