Who can I send Polish złoty (PLN) to?

You can send Polish złoty (PLN) to any bank account in Poland.

What information do I need about my recipient?

You’ll need their full name, and bank account number. In Poland, this is either: a code called an IBAN, usually 28 characters long, containing a mix of letters and numbers, and starting with PL a local bank account number, which is 26 digits long

How much can I send to Poland?

You can send up to 5 million Polish złoty (PLN) per transfer.

How long does a money transfer to Poland take?

Once we receive and convert your money, it usually takes 1 working day to arrive in your recipient’s bank account. Conversion can take up to 2 working days. We’ll always give you an estimate for how long your transfer will take when you set it up. Learn more about how long transfers take

Are there any restrictions on sending to Polish złoty (PLN)?

We’re not able to send payments related to taxes, insurance, and other fees to Polish governmental bodies.

Send money to Poland

Save on your online money transfer to Poland from Japan. Transfer Japanese yen to Polish złoty quickly, safely and join over 14.8 million people using Wise.

Send money from Poland to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Tuesday, March 10

Total fees

Included in JPY amount

You could save up to 7,773 JPY

Send money to Poland

Save on your online money transfer to Poland from Japan. Transfer Japanese yen to Polish złoty quickly, safely and join over 14.8 million people using Wise.

Send money from Poland to Japan instead.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

Arrives

by Tuesday, March 10

Total fees

Included in JPY amount

You could save up to 7,773 JPY

Compare fees for when you send money to Poland

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

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Sending 200,000 JPY with	Recipient gets(Total after fees)
	4,618.17 PLN
Transfer fee 1,729 JPY Exchange rate(1 PLN JPY) 0.0233 Exchange rate markup 0 JPY Cost of transfer 1,729 JPY

	4,530.93 PLN- 87.24 PLN
Transfer fee 1,750 JPY Exchange rate(1 PLN JPY) 0.0229 Exchange rate markup 3,757 JPY Cost of transfer 5,507 JPY

	4,506.46 PLN- 111.71 PLN
Transfer fee 3,500 JPY Exchange rate(1 PLN JPY) 0.0229 Exchange rate markup 3,079 JPY Cost of transfer 6,579 JPY

	4,437.10 PLN- 181.07 PLN
Transfer fee 499 JPY Exchange rate(1 PLN JPY) 0.0222 Exchange rate markup 9,026 JPY Cost of transfer 9,525 JPY

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Rakuten	SMBC	PayPal
Recipient gets (Total after fees)	4,618.17 PLN	4,530.93 PLN	4,506.46 PLN	4,437.10 PLN
Exchange rate (1 PLNJPY)	42.9328	43.7548	43.6041	44.9620
Exchange rate markup	0 JPY	3,757 JPY	3,079 JPY	9,026 JPY
Transfer fee	1,729 JPY	1,750 JPY	3,500 JPY	499 JPY
Total transfer cost	1,729 JPY	5,507 JPY	6,579 JPY	9,525 JPY

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This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Poland from Japan

Enter amount to send in JPY.

Pay in JPY with your debit card or credit card, or send the money from your online banking.

Choose recipient in Poland.

Select who you want to send money to and which pay-out method to use.

Send JPY, receive PLN.

The recipient gets money in PLN directly from Wise’s local bank account.

Create free account now

Larger transfers. Lower fees. Premium support.

Pay less when you send over 25,000 USD or equivalent. Plus get dedicated support from our expert team

Learn about large transfers

Secure money transfers to Poland

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money to Poland with WISE

The best way to send Japanese yen to Polish złoty is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.

Cheapest way to send money to Poland from Japan

The cheapest way to send 200,000 JPY to Poland is by using money that's in your Wise account and costs 1,657 JPY. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

JPY

PLN

Sending 200,000 JPY	Transfer cost
Wise account	1,657 JPY

Bank transfer	1,729 JPY

Debit card	8,664 JPY

Fastest way to send money to Poland from Japan

Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

JPY

PLN

Sending 200,000 JPY	Should arrive
Wise account	by Monday

Bank transfer	by Tuesday, March 10

Debit card	by Monday