Compare the real cost of sending US Dollar to Polish Zloty, shown for about $1,000.00 (roughly USD 1,000). Real provider quotes are ranked by the amount your recipient receives after every fee and margin; providers without a live quote are listed separately as estimates. Mid-market rate as of 2026-10-27: 1 USD = 3.938 PLN.
| Provider | Rate after margin | Flat fee (USD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type | |
|---|---|---|---|---|---|---|---|---|
| Wise (TransferWise)Best live quote | 3.9457 | — | 1.08% | −0.20% | zł34.73 (0.88%) | zł3,903.24 PLN | ● Live quote · 2026-10-27 | Send with Wise → |
| Remitly | 3.8887 | $0.99 | — | 1.25% | zł53.14 (1.35%) | zł3,884.84 PLN | ● Live quote · 2026-10-27 | Send with Remitly → |
| Western Union | 3.8703 | $0.99 | — | 1.72% | zł71.52 (1.82%) | zł3,866.46 PLN | ● Live quote · 2026-10-27 | Send with Western Union → |
| PayPal / Xoom | 3.8476 | — | — | 2.30% | zł90.39 (2.30%) | zł3,847.59 PLN | ● Live quote · 2026-10-27 | |
| OFX | 3.8645 | $5.00 | — | 1.87% | zł92.85 (2.36%) | zł3,845.13 PLN | ● Live quote · 2026-10-27 | |
| PayPal | 3.7451 | $4.99 | — | 4.90% | zł211.55 (5.37%) | zł3,726.43 PLN | ● Live quote · 2026-10-27 |
● Live quote = a real price collected 2026-10-27 06:39 UTC for about $1,000.00, via Wise's quote API (Wise) and Wise's public price-comparison data (other providers and banks). That feed is collected by Wise, which also competes with several of these providers; it reflects standard delivery and excludes first-transfer promotions, so your own quote may differ. Recipient gets = (amount − flat fee) × (1 − transfer fee) × rate after margin, where rate after margin = mid-market rate × (1 − FX margin). Total cost = what $1,000.00 is worth at the mid-market rate minus what the recipient gets. FX margin is measured against the mid-market rate shown above, so small negative values just mean a provider's rate was marginally better than our reference.
These providers had no fresh quote for this route. The figures use typical published fees and margins, are not quotes, and are deliberately not ranked against the live quotes above.
| Provider | Rate after margin | Flat fee (USD) | Transfer fee | FX margin | Total cost | Recipient gets | Data type |
|---|---|---|---|---|---|---|---|
| XE Money Transfer | 3.9183 | — | — | 0.50% | zł19.69 (0.50%) | zł3,918.29 PLN | Typical fee (estimate) |
| InstaReM | 3.9124 | — | — | 0.65% | zł25.60 (0.65%) | zł3,912.38 PLN | Typical fee (estimate) |
| Paysend | 3.9183 | $2.00 | — | 0.50% | zł27.53 (0.70%) | zł3,910.45 PLN | Typical fee (estimate) |
| MoneyGram | 3.8966 | $2.25 | — | 1.05% | zł50.12 (1.27%) | zł3,887.86 PLN | Typical fee (estimate) |
| WorldRemit | 3.8868 | $1.99 | — | 1.30% | zł58.93 (1.50%) | zł3,879.05 PLN | Typical fee (estimate) |
| Ria Money Transfer | 3.8592 | $2.99 | — | 2.00% | zł90.30 (2.29%) | zł3,847.68 PLN | Typical fee (estimate) |
Typical fee (estimate) = typical published fees and margins, not a quote for this transfer. Recipient gets = (amount − flat fee) × (1 − transfer fee) × rate after margin, where rate after margin = mid-market rate × (1 − FX margin). Total cost = what $1,000.00 is worth at the mid-market rate minus what the recipient gets. FX margin is measured against the mid-market rate shown above, so small negative values just mean a provider's rate was marginally better than our reference.
Not listed for senders in the United States: TransferGo (not available from the United States); Revolut, Skrill (we have not been able to confirm they serve the United States; they are added once confirmed).
Indicative only — verify before sending. Open the live comparator →
Alert me when 1 USD buys X PLN or more. Today's mid-market rate: 1 USD = 3.938 PLN.
We email you a link to confirm first (double opt-in) and nothing is sent until you click it. The target is compared with the mid-market rate (updated once a day), which is not the rate a provider will give you — compare the amount received on this page. Not financial advice.
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 zł176.81 — 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.
Based on real provider quotes collected 2026-10-27 06:39 UTC for about $1,000.00, Wise (TransferWise) gave the best result: your recipient receives about zł3,903.24 (0.88% total cost). 6 providers had a live quote for this route. Quotes change daily — confirm with the provider before sending.
Among the live quotes, total cost ranges from about zł34.73 to zł211.55 — a difference of roughly zł176.81 on a single transfer.
The mid-market rate is approximately 1 USD = 3.938 PLN as of 2026-10-27. 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, delivery method and corridor — from minutes for some bank transfers and cash pickups to one to three business days. We do not publish delivery times for this route because we have not verified them; check the speed estimate in the provider's own quote before you send.
It is safer when you use a licensed and regulated provider. FX Skipper compares prices but does not vet or endorse providers, so 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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