How to send money to Sweden from Poland with the best PLN-SEK rate

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

For sending PLN to Sweden, we found that:

• Wise is our recommended company for sending money to Sweden from PLN. Sending 30,000 PLN to SEK will cost you zł199.28 in fees, and you will receive 76,723.15 SEK.

• For a cheap way to send PLN to Sweden, Key Currency is a great all round choice.

• Fastest money transfers to Sweden from Poland is with Revolut. For example, the transfer time for sending zł30,000 to Sweden with Revolut is within minutes. But, it can be quicker or longer depending on the exact amount, as well as the day and time of your transfer.

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

Whilst we rate Wise as the best overall, comparing gives you a comprehensive view of all the options for transferring money from Poland to Sweden.

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

The current rate between the Zloty and Swedish Krona is 2.5883.

When calculating the cost of sending money from Poland to Sweden, a combination of fees and exchange rates ensure the best deal:

• The Mid-Market and Exchange Rates: The current PLN-SEK mid-market rate is 2.5883 SEK per Zloty. Finding a provider as close to this number as possible will ensure more Swedish Krona for your money.

• Fees: Transfer fees are charged on top of a transfer. Key Currency currently offers lowest fees of 0 PLN. Although we recommend searching for your exact send amount for an exact fee.

• Amount Received: The total amount received in Swedish Krona is the biggest indicator in the total cost of sending money to Poland from Sweden. The higher the total amount received in Sweden, the lower the cost of sending from Poland.

Understanding the averages, and then waiting a day or two can help you get more SEK 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 Sweden.

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

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

Bank transfers

Bank transfers are often the default option for sending money from Poland to Sweden.

By using a money transfer company such as Key Currency for transfers from Poland to Sweden, you can send money via a bank transfer while benefitting from lower fees and more favorable exchange rates. 


Debit and prepaid cards

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


Revolut is a leader in debit card payments for transfers from Poland to Sweden, competing among a total of 12 active money transfer companies on this route.

Credit cards

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

Not many companies offer direct credit card deposits, and usually, it means taking a cash advance and using that for the deposit, which ends up more expensive.

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 Sweden

Some companies offering money transfers between Poland and Sweden 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-SEK rates for your specific transfer amount. For regular transfers to Sweden, shopping around each time can make a huge difference.

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

There are different options for receiving Swedish Krona in Sweden. 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 Sweden will offer every method for incoming Swedish Krona, 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 Sweden. 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 Sweden.

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 Sweden, 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 Sweden it will be similar.

Large transactions between Poland and Sweden, 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 Sweden is their easy sign up process in Poland.

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

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

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