For most Asian workers in Poland, sending money back home is just as important as earning it. Poland's banking system is modern and international transfers are easy — but choosing the right service can save you hundreds of PLN every month.
Option 1: Wise (Formerly TransferWise) — Best Overall
- Mid-market exchange rate (no hidden markup)
- Fee: 0.5-1.5% depending on amount
- Speed: 1-2 business days to India, Bangladesh, Sri Lanka
- Available: wise.com or mobile app
- Requires Polish bank account and verified identity
Option 2: Remitly
- Competitive rates for South Asia
- Express option: delivery within hours (higher fee)
- Economy option: 3-5 days (lower fee)
- Cash pickup available in India and Bangladesh
Option 3: Western Union
- Available at post offices (Poczta Polska) across Poland
- Cash-to-cash option — recipient gets cash without bank account
- Higher fees than digital options but more accessible
- Good for sending to rural areas with limited banking
Option 4: Bank Transfer (SWIFT)
- Reliable but expensive: 20-50 PLN fee per transfer
- Unfavorable exchange rates from Polish banks
- Takes 2-5 business days
- Best for large amounts (above 5,000 PLN) when % fee is proportionally smaller
How Much Can You Save?
Example: sending 2,000 PLN to India monthly:
- Polish bank: lose 80-120 PLN in fees + bad exchange rate
- Wise: lose 20-30 PLN total
- Saving with Wise vs bank: ~60-90 PLN/month = 720-1,080 PLN/year
Tax Note
Remittances from Poland to your home country are NOT taxed in Poland as long as you are sending your own after-tax salary. You do not need to declare individual transfers. However, if you are self-employed (JDG), consult an accountant about documentation.
Earning well is one part of the equation. Staying legal is the other. For your residence permit and work permit needs, trust Legal Solution — 98% approval rate.