Many Ukrainians who live in Poland or come to this country to work are faced with a situation where it is necessary to transfer money to their native country. Which method is better to choose in order not to pay a large commission? The portal site has made for you a selection of the most popular and profitable ways to transfer money.

The second way is one of the cheapest and most popular - online transfer through PayUkraine. The service, created specifically for Ukrainians in Poland, literally “blew up” the market due to its special approach to Ukrainians and favorable conditions. Regardless of the transfer amount, you will only pay a fixed commission - PLN 6.99. And with the promo code SS723, you will make the transfer absolutely free. You can transfer up to PLN 4,000 per day from a card or account of any Polish bank to a card of a partner bank of PayUkraine - PrivatBank. A convenient application and a clear website allow you to make a translation in just a few clicks - without lengthy data entry. The service clearly deserves your attention, you can make a transfer on site.

And the sixth, fairly common and cheap way, is to transfer money through drivers who travel from Poland to Ukraine. They charge an average of 20-30 zł for this service. You can contact and negotiate with the driver using the website blablacar.com.ua. At the same time, there is no guarantee that your money will arrive safe and sound. Therefore, first look at how long this driver has been making trips from Poland to Ukraine and read reviews about him on the site.

Increasingly, residents of Russia, Ukraine, Belarus go to work in Poland. The Slavic country, which is easy and close to reach, attracts with the opportunity to get a well-paid job or part-time job. But almost immediately, labor migrants face the problem of how to send money from Poland to their relatives back home. Experts recommend using several convenient ways to send and receive funds from abroad.

Methods of international money transfers

Among the most famous and popular systems that help transfer money from Poland, economists and bankers include such services.

Bank transfer using the system Western Union considered one of the most reliable, the company has branches almost all over the world. Representative offices of WU are located at the post office, railway stations, banks, where you can fill out a receipt, give money, which will be received by relatives in a few hours.

The amount of the commission is calculated from the amount that is transferred. For example, for sending PLN 800, you will have to pay 2% of the transfer. However, tariffs may change, and sometimes the commission online and in the branch is different.

There is no minimum amount for transfer, and the maximum is set separately by each division. Detailed information is available on the official website.

Among the advantages of Western Union is the simplicity and reliability of the operation, the almost instantaneous transfer of money.

Flaw - big commission: it is unprofitable to transfer small amounts via WU.

moneygram

The system is similar to Western Union, but the commission is slightly lower, and the prevalence in cities is less. According to the established rules, only dollars and zlotys are transferred from Poland, upon receipt, euros and dollars are issued. More about this on the official website.

Transfer and receipt occurs through the MoneyGram branch. To do this, you must fill out a form indicating the recipient's passport data and give the money.

The advantage of the system is that the transaction takes place quickly, within a few hours. The main disadvantage is that when sending zlotys, it is not the most profitable conversion into one of the issuing currencies.

contact

Reliable money transfer system from the Republic of Poland to Belarus, Russia, Ukraine. Contact is available in all post offices, which is very convenient for customers.

The commission is 1.3% of the amount, however, find out the exact service fee and transfer conditions at the point of departure. The online calculator is presented on the official website. As a rule, transfers are accepted in PLN and issued in euros. To implement it, you need to tell the operator your data and hand over the money. Recipients come to the branch nearest to them and pick up the transfer.

The advantages are that Contact has a large number of branches, a small commission, and the money comes within one day. The disadvantage is the loss when converting zlotys into euros.

Zlotowka

Kredobank and the Polish bank PKO BP SA provide the Złotówka service. Information about branches in Poland can be found on the official website of the bank. An account in złoty is opened in a receiving bank in the home country of a labor migrant, to which money is transferred from Poland without conversion costs.

To transfer PLN 5,000, you need to pay a commission of only PLN 10. For this, the usual bank transfer at the branch: you need to transfer money to an account in your hometown, where the funds will be received at a bank or through an ATM.

The advantages of Złotówka are high efficiency, low interest commissions. The disadvantage is a small number of branches that work on this system.

TransferWise

TransferWise is a recent addition and has yet to gain credibility in the international market, as well as similar systems TransferGo and FineMoney. Such players try to stay competitive due to low commission rates.

A transfer from Poland using TransferWise will cost 2.5% of the declared amount. However, the cost of services varies depending on the amount of the transfer and the currency in which your loved ones will receive the money.

More about this on the official website.

Money transfer through the points of the payment system goes within one day. The advantages of this method are low fees and transaction speed, and the disadvantage is a low level of trust in the system.

Liqpay

As a rule, labor migrants in Poland receive a salary in cash, but if money is transferred to your Mastercard or Visa card, you can use the LiqPay payment system from PrivatBank. Official site .

Most often, in this way, money is transferred from Poland to Ukraine. By the way, there is another similar service from the same bank - RIA. Both options are fast and comfortable forwarding systems Money from account to account via Internet banking Privat24. Its advantage is a relatively low commission - 2.75%, but in order to carry out the operation, you will need a device with Internet access.

What are SWIFT payments

SWIFT payments are rarely used, since for such a transfer you need to have an account in a Polish bank, which is quite difficult for someone who is not a resident. But if the work in Poland is official and permanent, as a rule, there are no problems with opening an account, so it is easy to take advantage of this opportunity.

At the bank, you make a regular bank transfer from your account to the beneficiary's account in the Russian Federation, Ukraine and other countries. By the way, if necessary, you can also transfer money to Poland.

The advantage of a SWIFT payment is that it is suitable for transferring large amounts, since it is with such transactions that the most favorable rates are.

However, each bank sets its own tariff for services, which may differ depending on the type of open account. Significant disadvantages are the difficulty of opening your own bank account and the long passage of payments (up to 5 days).

How to use electronic payment systems (WebMoney, Scrill, Neteller, PerfectMoney, PayPal, Payoneer and others)

Transferring money from Poland abroad can also be done electronically through the systems Scrill, Neteller, WebMoney, PayPal, Payoneer, PerfectMoney and others. Money is transferred quickly, commissions in payment systems are minimal, but many are stopped by the process of registering and receiving money.

To use electronic payment systems, you need to pass verification, link bank card to an electronic wallet, and then withdraw funds in a convenient way.

For labor migrants in Poland, this often seems like a difficult process that they refuse, but it is possible with a device with Internet access and skills to work with it.

Money transfer using cryptocurrencies (Bitcoin, Litecoin)

Transfer using cryptocurrencies resembles an electronic transfer system. It is also necessary to create Bitcoin or Litecoin electronic wallets, but the advantage is that this process is much easier: no verification is required, transactions are instantaneous, transactions are completed within a few minutes.

The main disadvantage is the system for withdrawing and receiving money, which requires converting cryptocurrency into a regular one, withdrawing it from an electronic wallet to a bank card. For mass use, the method is not suitable, since the process may seem complicated. More often such translations are made by young people who are able to work freely with computer devices.

A Polish bank card is a convenient way to transfer money

A profitable way is to get a Polish bank card, which will allow you to transfer money from Poland to any foreign country, and if necessary, receive money from Russia, Ukraine, Belarus.

With this method, it is important to choose a bank where no documents are required, except for a passport, a Polish number mobile phone and addresses in Poland. For example, Bank Zachodni WBK, Bank Pekao do not open accounts for non-residents, and Millenium Bank (a branch of a Portuguese bank) will issue a card without any problems. Through Internet banking services, you can send money from card to card or from a card to a bank account in your hometown.

Conclusion

Choosing the appropriate method from those offered by banks and payment systems is not as difficult as it seems at first glance. First decide how often you are going to transfer money and how long you are willing to wait for the transfer.

If you need to send regularly wages, it is better to choose a system that sends funds directly to the recipient's bank card - Złotówka, SWIFT and others. If money needs to be sent urgently, Liqpay is suitable, transfer from card to card. In each case, be guided by the transfer amounts and the percentage of commissions that will have to be paid, and after comparing the conditions of several systems, make an appropriate decision.

How to transfer money to Ukraine from Poland: Video

So, if you do not have a bank card in Poland, then you have only one option left - send money by Western Union at any bank branch that works with this system. This is the easiest way that does not require much effort from you, you came to the bank branches, gave money and after 15 minutes you can withdraw it in Ukraine.

You can also credit them to your Privatbank card through Privat24, but then you need to send a transfer to the name of the Privatbank card holder.

The most interesting thing is that according to the rules of Western Union, you will not be able to send a transfer to yourself! Therefore, if you want to send money to yourself to a private bank, then you will need to ask someone you know to send you a transfer.

Let's say you have a bank card of the Polish Bank, then the following options will be of interest to you:

Western Union ON-line

There is a way to transfer without leaving home through the site https://www.westernunion.com/pl,

thus save your time and pay a lower commission for the transfer, in contrast to the transfer from a bank branch. The minimum commission is 19.90 and further depends on the amount, the same transfer can be credited to a Privatbank card through pb24, everything happens instantly. Also, unlike a transfer through a bank branch, here you can make a transfer to yourself, you do not need any friends. But there is also a limitation, for 12 months through this system you can send no more than 4000 PLN, after that the system will ask you to confirm your identity. After verifying your identity, you will be able to send up to PLN 20 per transfer.

TransferGo

TransferGo has recently introduced the ability to send money without any commission. commission.

The most convenient transfer is just the same for 9 zlotys, regardless of the amount of the transfer, credited on the next business day to the PrivatBank card. Also, depending on the time of day, there are other options for sending by date:

• Free (1-2 working days)
• Standard (next working day until 19:30) – PLN 9
• Now (available from 6:30-12:30) – PLN 15
• Today (available from 00:00-12:30) – PLN 15

Crediting to the card can be done both in UAH and EUR. The first time through this link https://my.transfergo.com/ru/r/vKe3CE transfer without commission. When registering and transferring, it is important to indicate the name and surname only in Latin letters.

The translation process itself looks like this:

After you have chosen to SEND MONEY, at the 2nd stage, indicate the last name and first name of the recipient in Latin, his last 4 digits of the Privatbank card number and the recipient's phone number that is linked to his PB card.

At the 3rd step, you need to make a payment in two ways:

1. payment by bank card (money in this case is credited instantly to the transfergo account) it is worth paying attention that the bank card for payment must be yours, with your last name that appears in the transfergo system account. Otherwise, your payment will be frozen until it is clear whose bank card it is.

2. bank transfer (money is received only on business days and bank business hours) about this option in more detail:

you are given a 26 digit account number and your account number, for example TG264858

You need to transfer money from your Polish card to a bank account in Poland, and be sure to indicate your code in the description. Look at the example of Millennium Bank.

Since this transfer is within Poland, you do not pay any additional fees. commissions. After you have made a transfer to the TransferGo account, click MAKE A DEPOSIT, the next business day before 19:30 the recipient will receive his money on the Privatbank card.

In order not to make the transfer yourself through Internet banking, you can simply enter your bank card details and the system will instantly withdraw the specified amount from the account to the TransferGo account.

If you have any difficulties, you can contact the system support during business hours. Facebook chat will help you with your transfer.

TransferWise

TransferWise https://transferwise.com/u/9f2318 is almost an analogue of the TransferGo system that we considered earlier, the whole process looks approximately the same, but there is still a difference. There is no fixed commission in this system, it directly depends on the amount of the transfer. There is no way to send a transfer in Euro, for example, only in UAH. For some, this is a trifle, but for some it is a significant minus.

Are you planning a trip to Poland? This is great, but we believe that a cursory knowledge of the Polish currency (złoty) may not be in your favor. You don't have to worry! Throw out all the boring, how-to guides and informative pamphlets about Poland and let us turn you into an expert on Polish money. We hope that after reading this article, you will definitely become one!

What money is in Poland

Going on a trip abroad, any tourist will be puzzled by the question: what kind of money is the official currency in the country. For the eurozone countries, this issue is also relevant. Despite the introduction of the euro in cash in 2002, not all countries have accepted it into circulation. Poland is one of eight countries that still maintain their own currency.

Now in Poland, złoty and groszy are in use (to use the language familiar to a Russian person: Polish “penny”, 1 zloty = 100 groszy), these are paper money and coins. The banknotes depict portraits of Polish crowned persons, and the state money is minted on metal money. Banknote 20 zloty 1994
10 zloty coin 1960

The generally accepted currency designation code is PLN.

Exchange rate in Poland

The import of money into Poland is not limited to specific amounts, no matter what monetary unit there was no talk. But if we talk about a certain currency, then it is more profitable to have euros and / or dollars with you. You are more likely to exchange them for zlotys at a favorable rate than, for example, rubles. The exchange rate against the ruble in Poland is extremely disadvantageous.

Currency exchange methods:

• at the airport, banks and exchange offices. You should be careful: there are private exchange offices in the country, it is better to avoid them if possible. And although it is more reliable to make an exchange at such points than just buying zloty "from hand", there is still a chance of encountering fraud. Before the operation, it would be useful to ask the cashier how much you will receive in your hands and whether a commission is charged.
• at ATMs, you can withdraw cash from plastic cards Visa and MasterCard. Find out in advance if your bank charges a fee for this. Perhaps this type of exchange will be unreasonably expensive.

Please note that the exchange rate at train stations can be significantly lower than in the city center. The exchange rate is usually indicated on the scoreboard next to the entrance to the bank or cash window. However, not all banks provide this service. To be sure of the adequacy of the proposed exchange rate, check it with the rate on the website of the National Bank of Poland.

Just before the trip, you should make sure that when you enter the country you have some cash already in the local currency. Especially if you come on a weekend. On non-working days, you can change money in Poland either illegally “from your hands” or at exchange offices, but at an unfavorably low rate.

However, if for some reason it was not possible to exchange cash for zlotys, but you have euros on hand, you can use cash desks specifically for transactions with this currency. These are available in many stores. And, of course, no one canceled the convenience of using cashless payments: plastic Visa and MasterCard will help you!

How to transfer money to Poland from Russia

This question will arise if you are in Poland, and there is a need for funds that you did not initially foresee. Or if such a situation happened to your loved one and you have to transfer money from Russia. It is important to find the most profitable and convenient option if the departures are regular.

You can send money to Poland without getting up from your computer or by visiting a payment acceptance point. Money transfers here, as well as anywhere else in the world, they are sent in three ways: through a bank, an international money transfer system or electronic payment system.

According to many years of experience of those who regularly transfer money from Russia to Poland, it is most convenient to use the services of Western Union and Contact services. It is also possible to transfer through a bank, but it is necessary to take into account the many conditions under which this transfer can be made, up to the citizenship and residence of the sender and recipient. If you are not looking for difficulties, electronic payments and international transfers are what you need.

When sending via Western Union and Contact, you will need to visit the website of these services and find the nearest service point for you and for the recipient. Write down their coordinates and go to the selected departure address, taking your passport with you. After specifying all the recipient's data and payment, you will be informed of a unique code, upon presentation of which the transfer will be issued to the recipient. Do not forget to tell the code to the person for whom the money item is intended!

If the sender and the recipient of the transfer have electronic wallets, it will not be difficult to transfer money using this system. And then the need to visit service offices will disappear by itself. The transfer fee is charged from the sender. How best to transfer money to Poland - you choose.

How to send money from Poland to Russia

Today, there are many ways to transfer money from Russia to Poland and back, and it can be done literally in a matter of minutes. True, the high speed of receiving sent funds, as a rule, requires the sender to pay a significant amount to the transfer system. Let's consider several options for moving money from Poland to Russia, some of which work "both ways" and we reviewed them above.

• Western Union. Expensive but reliable and fast way transferring money abroad. The cost is about 20 zł for every hundred dollars. A significant advantage of this system is its extensive branch network. The recipient will be able to receive money in a currency convenient for him.
• moneygram. Allows you to send money to Russia for about the same commission as the above system. There are much fewer departments that will accept your transfer, but there are nuances. Zloty or dollars are sent, but only dollars or euros are received by the addressee. At the same time, the system has its own exchange rate. Bank BPS and Bank BGZ BNP Paribas and some post offices work with it.
• CONTACT. Affordable way money transfer: a contract with the Polish post allows you to send them through any branch. The main advantage of this system is availability. You can send money at any branch of the Polish Post. Zloty will be accepted from you, and euros will be given to the recipient. The commission will also be considerable: PLN 23 + 1% of the amount. However, when transferring large amounts, such a commission is more profitable.
• SWIFT. A system with which it is convenient to transfer large amounts of money. They are sent from a Polish card in a non-cash way through the international payment system to the bank account of the recipient. The conditions are dictated by the sender's bank, and the time for the transfer of funds occurs within a week. Another feature of SWIFT transfers is their targeting. Most often, sending transfers via international money transfer systems does not limit the recipient at the place of payment of the transfer, and according to the SWIFT transfer system, payment of the transfer is carried out in a specific bank, according to the details specified in payment order. This transfer is the safest.
• TransferWise. A money transfer from Poland through this service will cost PLN 6.85 for amounts up to PLN 350 and 1.96% for amounts over PLN 350.
• Electronic payment systems. These are Skrill, Neteller, WebMoney, PayPal, Payoneer, PerfectMoney. It is profitable to transfer money through them: commissions in these systems are minimal and they pass quickly, but many give in to the intricacies of registration: you need to go through verification, link a bank card to an electronic wallet. This takes time and involves providing detailed information about the sender.

How to transfer money to Ukraine from Poland

In this part of the article, we will look at the difference between the most common money transfer services from Poland to Ukraine. There are many articles on the Internet on this topic, but all of them often “promote” a particular service. Therefore, we made a comparison of all these services so that you can choose the best translation method for yourself.

• Transfer from PKO Bank Polski to Kredobank of Ukraine. The advantage of this service is that the commission is 10 zł for a transfer amount of up to 1250 euros. The disadvantages include the need to open a Kredobank card in Ukraine, the inability to send money online and the small number of bank branches. The commission for withdrawing money from ATMs of third-party banks is about 5%.
• Transfer Go. For any transfer amount, the commission will be PLN 9. You can transfer and receive money online without leaving your home. The disadvantage of this service is that you can receive money only on a PrivatBank card.
• MoneyGram. The advantage of this service is that the money is credited to the account within an hour. To do this, just visit any branch of MoneyGram. Of the minuses - a double conversion of money: first into dollars, then into hryvnias, the need to go to the branch to make a transfer or withdraw money, a large commission.
• TransferWise. Transferring and receiving money online looks like a plus. The minus will seem - an unfixed rate, money can only be received in Ukraine on the card of the aforementioned PrivatBank, according to users of the service, recently, there have been cases when money was confirmed for almost two days. In addition, the commission of this service is quite high.
• Western Union. Its advantage is that the money comes within an hour. The disadvantages of the service are as follows: double conversion, the ability to pick up cash only at Western Union branches, the need to indicate the origin of funds when sending.

How to transfer money to Poland from Ukraine

People who regularly transfer money from Ukraine to Poland find it most convenient to use PrivatMoney services from PrivatBank and RIA.

• R.I.A. The transfer fee will be 1.5%. The minimum amount for transfer is 4 euros. Sending occurs without currency conversion. The transfer can be made at any branch of the following banks:

1. Universal Bank
2. A-Bank (Accent-Bank)
3. Ibox Bank (Agrokombank)
4. Accordbank
5. Bank Vostok
6. BANK CREDIT DNEPR
7. globe
8. Land Capital
9. Kredobank
10. Oschadbank
11. Pivdenny
12. Pravex-Bank
13. PrivatBank
14. RADABANK
15. TASCOMBANK
16. Ukrgasbank
17. Express Bank

• PrivatMoney. The commission for transfers up to 100 euros will be 2%, possible commissions for transfers over one hundred euros can be found on the bank's website in the appropriate section. The minimum amount for transfer is 1 euro. Sending occurs without currency conversion. You can transfer money:

1. In Privat24 system
2. At the self-service terminal
3. On the mobile app
4. At the branch of PrivatBank

How much money do you need to go to Poland?

Poland is a country popular not only among tourists. Every year, up to 300,000 labor migrants come from neighboring Ukraine, Belarus, and Russia. About how to make money in Poland, they write a lot on the net. There are separate channels with thousands of views on YouTube, with instructions on how and where to get a job for visitors. Which indicates that the flow of applicants does not dry out.

Why do the Slavs seek to work here? There are quite understandable reasons for this, one of which has already been mentioned: Poland is close. It is relatively easy to get a work permit and a residence permit here. It is also important that the Polish language is related to all Slavic languages, which means that it is potentially understandable. Although the wages of immigrants, although often noticeably lower than in the same positions among the Poles, this suits many. Among other things, Poland is one of the "cheapest" EU countries.

If you are planning to leave for Poland for permanent residence, of course, you need to have a financial “airbag” with you. Of course, the more the better. And yet it is worth representing the necessary minimum, how much money to take to Poland.

An approximate calculation of the required funds “before the first salary”, that is, for a month, in Poland on average looks like this:

• Nutrition. If you are not a gourmet, generally not a picky eater and plan to cook on your own, and not go to cafes and restaurants, the products will cost you 300-400 zlotys. “Experienced guest workers” say that these expenses can be reduced to 50 zlotys per week. Such savings involve strict planning and the purchase of products immediately for a long time.
• Directions. If you do not live close to work and use public transport, on average you will spend PLN 100 per month on travel (the cost of a travel document).
• Mobile connection. To maintain the ability to communicate with loved ones at a distance, this item will be mandatory in the list of expenses. Feel free to lay 30-50 zł for telephone conversations.
• Rental of property. This item of expenditure will be present if suddenly the employer does not provide housing himself. average cost renting a 1-room apartment in Poland, depending on its location, ranges from 1500 to 2000 zł. In Warsaw, it is also more expensive.

The total amount is 2000-2500 zł. In euros, this amount will be approximately 500-550. You may not spend all this amount in a month. But this will be the stock, which certainly "does not pull the pocket."

As noted above, it is better not to carry money in rubles to Poland. Be puzzled by the exchange for euros or dollars in advance. And cash, by the way, may be required by ordinary tourists already at the border of the state. You will certainly be asked if you have come to Poland for a long time.

The amount of money you need to have depends on the length of your stay. This mandatory amount consists of the cost of the return ticket and the minimum amount required per day of stay in the country. It is necessary to specify the size of these sums individually. Up to three days of stay in the country - PLN 300, over three days - PLN 100 per day.

The lack of money necessary to enter the country can replace certificates from the bank where you have this money. The bank must have a representative office in Poland. If you don’t have that kind of money in the bank, an invitation will save the situation, in which it is confirmed that all the expenses for your stay in the territory of the state are covered by the receiving party.