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Last updated: 10th November, 2020

moneytransfer, pagofx

How to send money to Poland

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

Maybe you’ve just moved to the UK 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 the UK 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 the UK, 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 way to send money to Poland is through a bank. Most banks will let you send money to Poland over the phone, online or by visiting the branch – whichever works for you. When transferring money via a high-street bank, your cash will be protected since banks are closely supervised by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA), meaning that if the bank fails while they’re handling your funds, you’ll be covered.

Most 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 £25 for a transaction, but most tend to bill you around £9.50. Sometimes it also takes a couple of days for the money to arrive in the recipient’s account. On the other hand, Santander’s One Pay FX service provides Santander UK customers a fast and affordable international payments service.

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 pounds 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 to a friend in Poland for their birthday, a flat-rate fee may double your expense while a 5% fee will only add 50p. 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 FCA. If you are ever unsure about how secure your service is, you can use the FCA Register for assistance. 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 Santander offers the security of a high-street bank, meaning your money is as safe as houses. Regulated by the FCA, 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’re a UK resident, 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.