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Top 2 Money Transfer Providers for USA to Poland

Provider Amount Received Fee Exchange Rate Speed
OFX (US) OFX (US) PLN zł 36,464.34 No Fee 3.6464 1-3 days more...
Venstar Venstar PLN zł 36,482.74 No Fee 3.6483 1-3 days more...
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USA
The dollar, the world’s most traded currency, is held on a free-float exchange rate and is fully convertible to foreign currencies Read More
POLAND
The Polish zloty (PLN) is a fully convertible free floating currency, and few restrictions apply to international money transfers to Poland or transferring money out of Poland Read More
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Send money from USA to Poland

Top 2 Money Transfer Providers

Latest prices for transferring money from USA to Poland
Exchange Rates as of 4 December 2020, 04:12

OFX (US)

Est. 1998

OFX provides secure and speedy international money transfers to over 300,000 people in 55 currencies at better-than-bank rates.

More InfoLess Info
Amount Received
PLN zł 36,464.34
USD $256.42
saved vs. banks

Venstar

Est. 1990
Established in 1990, Venstar is a worldwide leader in Foreign Exchange Payments and Services.
More InfoLess Info
FXcompared Rating
Amount Received
PLN zł 36,482.74
USD $261.42
saved vs. banks

How to Transfer Money from USA to Poland

What is in this guide

USA to Poland Guide

Summary

The United States and Poland, part of the European Union (EU), both benefit from one of the largest two-way trading relationships in the world. Along with substantial trade and investment relations, the two countries also work together on a variety of global and local initiatives which support humanitarian issues, environmental regulations, and global safety throughout the world. Currently, there is no limit for American citizens and businesses who wish to trade USD to PLN and transfer money from USA to Poland.

Visas, work permits and residency

American citizens planning to visit Poland for less than 90 days do not need a visa. For American citizens who plan to work in Poland either temporarily or permanently, a work visa or residency permit is required. There are a number of visas and stay permits for visiting Poland. For more details and requirements, please refer to the Polish Consulate website.

Buying property in Poland

To purchase property in Poland, American citizens are required to obtain permission from the Ministerstwo Spraw Wewnętrznych i Administracji (Ministry of Interior and Administration). There are circumstances that allow for property purchases without this permission, however.

To avoid the permission requirement, a US citizen must prove that the property is for residential purposes and that it meets certain size requirements; that they have been permanent residents of Poland for at least five years, or are married to a Polish citizen, have been a resident for at least two years, and will hold the property jointly with their spouse. US citizens can also avoid the permission requirement by inheriting the property. If the permission requirement cannot be avoided, the US citizen must apply for permission with the Warsaw municipality office and pay a stamp duty by wire transfer to the office's account.

The property purchase must include an application to the Urząd Dzielnicy Mokotów m. st. Warszawy (Warsaw municipality office), along with the property details, documents proving any connection to Poland, and the original payment confirmation. The buyer must prepare their own application, as Poland has no real estate template for purchasing property. Once all legal steps have been taken, the buyer can then arrange to transfer money from USA to Poland for their real estate purchase.

Studying in Poland

American citizens who wish to study in Poland for less than 90 days do not need a study visa. For study programs that last longer than three months, however, a study visa may be required. All foreign students are also required to purchase health insurance while studying in Poland. There are currently no restrictions in place for American students who wish to send money to Poland to help fund their education.

Taxation

American residents living abroad must declare their earnings and file tax forms annually. Currently, the US and Poland have a tax treaty agreement in place, meaning US citizens can receive credit via a foreign income tax offset for any taxes paid in Poland. Polish citizens and residents pay taxes on all income earned in Poland or abroad, whereas foreign residents of Poland pay taxes only on the income earned in Poland. For US citizens who wish to transfer money from USA to Poland to pay for taxes, there are no restrictions on making an international funds transfer to Poland at this time.

Healthcare

American citizens who are planning to travel in Poland are strongly recommended to take out a travel insurance policy or acquire a short-term health policy.

Polish health care is modeled on a general health insurance system. Polish citizens and residents are covered by this health insurance system, with subsidized services provided through this system, as well. All Polish citizens, residents, and employees of Polish companies are required to be insured under either the Polish health insurance system, or to take out private health insurance. If working for a non-Polish company in Poland, it is recommended that an extra health insurance policy be purchased to cover any health services needed.

Voting

US citizens living in Poland are eligible to vote by absentee ballot in American presidential, general, and primary elections. They must first register for absentee balloting with the last state precinct in which they voted, and will then receive absentee ballot by email.

Importing from USA to Poland

The United States and Poland, which joined the European Union in 2004, have one of the largest two-way trading relationships in the world. US dollar to Polish Zloty trade and two-way transatlantic goods and services were valued at approximately $2.7 billion per day in 2012. The US and Poland, as part of the EU, work together on a variety of global and local initiatives which support increased trade, investment, and global safety throughout the world. The latest of these initiatives is the Transatlantic Trade and Investment Partnership, a trade and investment agreement between the US and the Eurozone countries, which seeks to reduce tariffs and trade regulations. Combined, the EU countries rate as the 2nd largest imports market for the US, with a value of $262.3 billion in 2013. US imports to the combined EU countries accounted for 16.6% of overall US imports in 2013, and foreign direct investments and money transfers totaled $2.2 trillion in 2012.

Frequently Asked Questions

Are the money transfer companies shown above safe to use?

Yes, all the companies are safe and fully-regulated money transfer services. Each are authorised and regulated by the relevant authority such as the Financial Conduct Authority(FCA) in the UK, FinCEN in the US, FinTRAC in Canada or ASIC in Australia.

How long does an international money transfer take?

The speed of delivery will depend on where the money is being from and to and how you are sending and receiving the money. Transfers sent using bank to bank transfers can depend take anywhere from minutes to days and you should check the time estimates from the relevant provider. Debit and credit card payments sometimes allow for faster transfers for smaller amounts.

How do I use FXcompared?

First review the comparison results (such as for a table above) for a given amount of money sending from USA to Poland. Then select a provider based on factors such as price, speed, their rating and click the green button to be taken to their website. From there, you can register and sign up for an account. Once you have done that and the provider has verified your identity to ensure the money can be send safely, you will be ready to transfer money.

What payments methods can I use to send money overseas?

The results shown above are typically for bank to bank transfers. It is possible via some providers to pay in your funds for the transfer via cash, debit or credit cards as well but this is usually reserved for smaller amounts. Some providers also give you different options for how the money will be received - to a bank account (most common), to a debit card, to cash or to a digital or mobile wallet.

What if the price shown above isn’t exactly what I am offered when I try to transfer money?

There can be a number of reasons why the final price you are offered may be different to that shown in the table above. Exchange rates between two currencies change all the time and is the most common reason. Additionally, some providers offer different pricing depending what method you are using to send funds or how the funds will be received. Others may offer you a premium service for faster payments. In some cases FXcompared has a special rate with a provider and this is reserved for first time customers who sign up to the provider starting from FXcompared’s website. As prices do change often, be sure to confirm the total cost with the provider before transferring money.

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All the providers listed are regulated by the relevant authority (e.g. the FCA in the UK, FinCEN in the US, ASIC in Australia) and have been vetted by FXcompared.

FXcompared.com is an fx money comparison site for international money transfer and to compare rates from currency brokers for sending money abroad. The website and the information provided is for informational purposes only and does not constitute an offer, solicitation or advice on any financial service or transaction. None of the information presented is intended to form the basis for any investment decision, and no specific recommendations are intended.  FXC Group Ltd and FX Compared Ltd does not provide any guarantees of any data from third parties listed on this website. FX compared Ltd expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from (i) any error, omission or inaccuracy in any such information or (ii) any action resulting therefrom.