How to send money to Spain from Poland with the best PLN-EUR rate

A comparison of providers offering services between Poland and Spain, based on your specific transfer amount is the best way to send money with the confidence you’re getting the best price.

Right now, converting PLN to EUR is:

• Wise is our recommended company for sending money to Spain from PLN. Sending 30,000 PLN to EUR will cost you zł193.61 in fees, and you will receive 6,967.36 EUR. The delivery time usually is within 3 hours, but can be longer depending when you make the transfer.

• Key Currency offers the lowest cost transfers between Poland and Spain out of the 12 providers compared.

• Fastest money transfers option to Spain from Poland is via Revolut. For example, if you send 30,000 PLN with Revolut to Spain, the transfer time is within minutes.

We’ve compared 12 providers that provide services for sending Zloty to Spain. This ensures you will get the best options for your transfer to Spain from Poland.

An exchange rate determines the price you will pay when buying Euro. A better exchange rate means more money sent from Poland to Spain.

The current rate between the Zloty and Euro is 0.2334, and it changes almost constantly.

Ensuring a strong combination of fees and exchange rates ensures the best deal on money transfers from Poland to Spain.

• The Mid-Market and Exchange Rates: Finding a provider as close to mid-market rate as possible will ensure more Euro for your Zloty. The current PLN-EUR mid-market rate is 0.2334 EUR per Zloty.

• Fees: Money transfer fees are charged on top the exchange rate and can be set, or a percentage of the total amount of Zloty you’re sending to Spain. Key Currency currently is the cheapest option for transfers into EUR costing 0 PLN per transfer. We always recommend searching for your exact send amount for an exact fee.

• Amount Received: The amount received in Euro is the biggest indicator of the total cost of sending money to Spain from Poland. The bigger the amount received in Spain, the lower the overall cost of sending from Poland.

Understanding the averages, and then waiting a day or two can help you get more EUR for the same amount of Zloty.

A better option is to use a forward contract that also allows you to lock in an agreed exchange rate between Poland and Spain.

A bank transfer is the payment method that will get you the best price on a transfer from Poland to Spain.

Here are all the ways to send money from Poland to Spain:

Bank transfers

Bank transfers are often fastest, cheapest and best way to send money from Poland to Spain.

Using a money transfer company such as Key Currency for transfers from Poland to Spain, will mean being able to send money via a bank transfer while benefiting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

Sending money from Poland to Spain with a debit card or a prepaid card is very simple with Revolut.


Revolut is the cheapest option for sending money with a debit card between Poland and Spain. This is of the 12 money transfer companies offering debit card payments on this route.

Credit cards

When it comes to credit card transfers from Poland to Spain, we recommend comparing your options to get the best deal.

and have different regulations and ensuring you fully understand these regulations will aid in keeping your money safe.

Our directory of worldwide financial regulators contains details on regulation for money transfers between Poland and Spain

Some companies offering money transfers between Poland and Spain have minimum or maximum thresholds on how much you can send or receive.

Rates and fees for different transfer amounts could change - that’s why it’s best to compare PLN-EUR rates for your specific transfer amount. For regular transfers to Spain, shopping around each time can make a huge difference.

For sending large amounts of PLN to Spain, we’d recommend Wise. They offer a solid combination of rates and fees when sending from Poland to Spain that is the most competitive, even at larger amounts.

There are different options for receiving Euro in Spain. The most popular are direct bank deposit, cash pickup, a mobile wallet or receiving money into a multi-currency account. Not all providers offering transfers from Poland to Spain will offer every method for incoming Euro, so it’s best to check ahead of time.

Sending directly to a bank account is one of the most common ways to send money from Poland to Spain. For most part, this is because it means the recipient has to do very little.

Wise is the best company for bank transfers between Poland and Spain.

Mobile wallet or P2P services and payment apps like PayPal, Xoom, and CashApp are popular because of convenience, but they come with more limitations and higher costs compared to money transfer providers like Key Currency.

When sending Zloty to Spain, through a money transfer company, you will need to verify your ID at the sign up stage.

The documents you need will vary and in some cases you might need a couple of options.

For the most part, ID can be verified in Poland through a government issued ID such as a passport or driver's license. If the recipient needs an ID to collect money in Spain it will be similar.

Large transactions between Poland and Spain, can be subject to additional checks such as proof of funds for anti-money laundering purposes.

One of the reasons Wise has scored so highly for transfers to Spain is their easy sign up process in Poland.

As well as proof of funds, when sending large amounts of money between Poland and Spain.

Some transfers into Euro may need to be reported to tax authorities in Spain as well, particularly where inheritance or property purchases are involved.

Tax limits and personal allowances will change in Spain based on age, income and a few other elements. When in doubt, please contact a tax professional in Poland or Spain to discuss your personal circumstances to ensure you are not missing any specific tax declarations.