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Last updated: 20th October, 2020

How to send money to Poland

If you want to send money to Poland from Belgium, our comprehensive guide will help you find the cheapest and most secure method to make international payments.

Maybe you’ve just moved to Belgium for your first international job and need to send money back to your family in Warsaw. Maybe your child is studying abroad in Kraków and they need some financial support. Maybe your friends back in Poland are getting married and you’d like to send them a cash gift. Whatever your reason for transferring money to Poland, you might want some advice for the best way to do it for you and your lifestyle.

With so many options on the market and factors such as costs, speed and security to consider, knowing the best way to transfer money from Belgium to Poland isn’t always clear. So, when you send money abroad, you’ll soon discover that it really pays to shop around.

What you will need

No matter what method you select to send money to Poland from Belgium, you will likely be asked for proof of identity – usually a passport or driving licence will suffice. Some institutions or services may also ask for proof of residence.


One of the ways to send money to Poland is through a bank. Most banks allow you to send money to Poland by phone, online or by going to a branch – whichever suits you best. When you transfer money through a reputable bank, your money is protected because banks are closely supervised by the National Bank of Belgium, which means that if the bank goes bankrupt while managing your funds, you will be covered. 

Banks often charge more when transferring money abroad, as they tend to offer higher fees and/or low exchange rates. Some of them charge as much as EUR 25 for a transaction, but most tend to charge you around EUR 9.50. Sometimes it also takes a couple of days for the money to arrive in the recipient’s account.

Fintechs and apps

If you decide to send money through a digital money transfer app or fintech (financial technology company), you might find this option affordable. Many of these services will exchange your euros to złoty using similar rates to the international money exchange markets. These firms tend to offer competitive exchange rates and fees. The fees can either be a flat rate or a percentage of the money you’re sending. It’s often worth calculating on a case-by-case basis which has a better value. For example, if you’re sending 10 euros to a friend in Poland for their birthday, a flat-rate fee may double your expense while a 5% fee will only add 50 cents. If you’re sending a paycheck home to your family, 5% could be more costly than a set fee.

Fintechs and apps can often provide a fast service as well, often promising to deliver the money on the same day. However, it is always important to check if the firm is authorised by the National Bank of Belgium. If you are ever unsure about how secure your service is, you can use the National Bank of Belgium registry to help you. It’s worth considering what you prioritise more for your lifestyle. If a speedy transfer is important to you, then an app could be the answer.


If you value both speed and security, PagoFX is a great option to consider for your international payments. The international money transfer app developed by the global bank Santander offers the security of a major bank, which means that your money is safe. Regulated by the National Bank of Belgium, funds sent through the app are safeguarded on their journey to the recipient’s account. PagoFX is a transparent money transfer service with competitive, real-time exchange rates and no hidden fees. If you live in Belgium, you can download PagoFX on your smartphone or Android tablet via the App Store and Google Play Store.

So, no matter why you’re sending money to Poland, we hope this guide has helped you find the best option for you.