How to Transfer Money from Poland: The Most Popular Methods
This article explores the nuances of money transfers from Europe and explains how to send money to Uzbekistan and Georgia under the most favorable conditions.
Foreigners in Poland
According to the latest statistics, 1.3 million foreigners are working in Poland. The largest groups of migrants come from Belarus, Georgia, India, Bulgaria, and Uzbekistan. Moreover, for seven consecutive years, Poland has been the leading country in issuing residence permits, making it a popular destination for immigration.
The main reason for moving to Poland is work opportunities. Nearly 70% of newcomers arrive in the country for employment, while another 11% relocate to reunite with family. Polish companies offer a wide range of job vacancies, some of which include accommodation and daily wages.
Job offers for foreigners are mainly in manual labor professions. Recruiters are actively seeking construction workers, locksmiths, machine operators, and general laborers for factories and farms. Carpenters, welders, roofers, electricians, and truck drivers are in particularly high demand.
Foreigners with higher education, professional experience, and a good command of Polish can earn up to €2,500 per month before taxes. The minimum wage set by the Polish government for 2025 is €1,000, which is higher than in Latvia, Bulgaria, and Serbia.
As their incomes grow, migrants gain the financial ability to support their families and loved ones back home. Let’s explore how to transfer money from Poland to Belarus, Uzbekistan, and Georgia — some of the most popular remittance destinations.
Ways to Transfer Money from Poland
You can use international payment systems, cryptocurrency, or send money directly via SWIFT. However, the SWIFT option is not always available or cost-effective:
- Fees depend on the policies of the sending and receiving banks.
- The transfer can take up to a week to process.
For this reason, we will focus on the first two methods in the following sections.
You likely receive your salary in Polish zloty (zł, PLN), so transactions to your home country will require currency conversion. Financial institutions charge an additional fee for this service, which we do not specify, as the official exchange rate and bank markup depend on various factors and fluctuate constantly.
Uzbekistan
The available money transfer services for Uzbekistan are listed in the table below. Please note that most financial institutions charge a fee. We have indicated the minimum commission, but the final amount may increase depending on the transaction size.
| Payment Service | Transfer Speed | Currencies | Sending Methods | Receiving Methods | Minimum Fee | Uzbek Language Support |
|---|---|---|---|---|---|---|
| Korona | Minutes | PLN-UZS, PLN-USD, EUR-UZS, EUR-USD | Debit or credit card | To a card, in cash | 0.95 € = 4 PLN | Yes |
| Western Union | Minutes | PLN-USD | Debit or credit card | In cash | No fee | No |
| Paysend | Minutes | PLN-UZS, PLN-USD, EUR-UZS | All methods | To a card, to an account | 4.9 PLN | Yes |
| Revolut | From 1 minute to 5 days | PLN-UZS, PLN-USD | All methods | To a card, to an account | 4.55 PLN | No |
| Remitly | From 1 minute to 5 days | PLN-EUR, PLN-USD | All methods | To a card, to an account | 7.9 PLN | No |
Western Union does not charge a fee, but it only allows cash withdrawals in US dollars. The recipient will need to exchange the dollars for Uzbek sum and, if necessary, deposit the money onto a card — which incurs additional costs.
The lowest commission fees are offered by Korona and Revolut. However, Korona ensures fast delivery both to a card and in cash. Additionally, the recipient can choose how they prefer to receive the money — this feature is available in the app.
Georgia
People from Georgia have several available options for sending money home. Let’s find the best conditions.
| Payment Service | Transfer Speed | Currencies | Sending Methods | Receiving Methods | Minimum Fee | Georgian Language Support |
|---|---|---|---|---|---|---|
| Korona | Minutes | PLN-GEL, PLN-EUR, PLN-USD, EUR-USD, EUR-EUR | Debit or credit card | To a card, in cash | 0.95 € = 4 PLN | Yes |
| Western Union | From minutes to 2 days | PLN-GEL, PLN-USD | Debit or credit card | To an account, in cash | No fee | Yes |
| Paysend | Minutes | PLN-GEL, PLN-USD, EUR-GEL | All methods | To a card, to an account | 4.9 PLN | No |
| Revolut | From minutes to 24 hours | PLN-GEL, PLN-USD | All methods | To a card, to an account | 4.55 PLN | No |
| WISE | 4-8 hours | PLN-GEL, PLN-EUR, PLN-USD, EUR-EUR | All methods | To a card, to an account | 7.12 PLN | No |
As with Uzbekistan, Western Union operates without a commission. However, there are some nuances: when selecting the “to account” option, Western Union may delay the transaction for up to one business day. This is a common feature of almost all bank transfers.
For fast and low-cost transfers, Korona, Paysend, and Revolut are the best choices. Additionally, Korona supports the Georgian language, making it easier to navigate the app and reducing the risk of errors when entering details.
Other Countries
Whether you can send money from Poland depends on partnership agreements between countries and the availability of banks willing to cooperate on cross-border payments. Currently, there are no issues with sending money to Kazakhstan, Azerbaijan, Mongolia, or Tajikistan.
Korona has a large network of cash pickup locations worldwide and offers 24/7 customer support, ensuring that your relatives will have no difficulties receiving the funds.
Cryptocurrency
To use this method for sending money abroad, both the sender and recipient need cryptocurrency wallets, which can be created on exchange websites or mobile apps. It’s important to note that any blockchain-based payment system charges a fee to support computing power and network operations.
The transaction fee for sending cryptocurrency can be higher than traditional transfer methods. For example, the average Bitcoin transaction fee is $1.86, which is over 7 PLN or 5 GEL.
To deposit or withdraw funds, users can use crypto ATMs, exchanges, or crypto stores — all of which charge additional fees of 4-10%. As a result, the total cost may exceed the fees associated with the methods discussed in the previous tables.
The sender should also consider that relatives and loved ones may face difficulties cashing out cryptocurrency. Moreover, Bitcoin, Ethereum, and other cryptocurrencies are banned as a means of payment for goods and services in Georgia, Uzbekistan, Belarus, and most other countries.
What to Consider When Transferring Money from Poland
Sender’s Currency
The official currency of Poland, the Polish zloty (PLN), is not universally accepted and is used only within the country. Although Poland is part of the European Union, the euro is also in circulation, but mainly near the borders or in tourist areas.
It is more cost-effective to send money in zloty. If you send money in euros, your Polish bank will convert the payment and charge a commission. You can find more details about double conversion and extra fees via the link.
Transfer Fees
Some services, such as WISE, reduce the markup percentage when sending larger amounts:
- For 1,000 PLN — 2.4%
- For 2,000 PLN — 2%
However, the opposite can also occur: once a certain threshold is reached, the service fee may increase, meaning you end up paying more. For sending money home, it is better to use services that do not change the rate. Compare the options:
- With a 2.4% commission, the fee for 1,000 PLN would be 24 PLN.
- Korona, Paysend, and Revolut charge a fixed fee of 4–4.9 PLN for the same transfer, allowing you to save around 20 PLN.
Transfer Limits
Financial institutions set their own minimum and maximum transfer amounts.
- Korona allows transfers of up to 200,000 EUR, but the final limit depends on the policies of the sender’s and recipient’s banks.
- Up to 1,000 EUR can be sent without identity verification — you won’t need to upload your passport or ID card details.
This makes Korona’s app one of the fastest options, allowing you to send money home in just a few minutes, which is especially important when funds are urgently needed.
How to Transfer Money from Poland Using the Korona App
Korona allows money transfers from Europe to Uzbekistan, Georgia, Belarus, Moldova, and other countries. To make a transfer, install the app, available on Google Play and the App Store.
Step-by-Step Guide:
If the recipient prefers cash, they can collect the money at one of the available pickup locations — the list of addresses is available here. The recipient will need a passport and the transfer number, which appears in the app after payment.
We hope this article has helped you understand how to transfer money from a Polish bank card.