Compare today's NOK to PLN (Norwegian Krone to Polish Zloty) exchange rates
📈 Norway to Poland Money Transfer Snapshot Today
- Best NOK to PLN exchange rate today: PLN 0.3877, offered by Regency FX
- Number of money transfer providers compared: 19
- Exchange rate range: PLN 0.3790 to PLN 0.3877
- Potential savings on NOK 1000: PLN 8.70
- Number of deals and promo codes: 7
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real NOK to PLN exchange rate before providers add their margin or fees. exchange rate: 1 NOK = PLN 0.3890 (Updated about an hour ago)
See detailed Norway to Poland money transfer comparison below.
Money Transfer Providers that matched the search criteria
📢 B2B transfers only
📢 New! Cash pickup available
📢 B2B transfers only
📢 Get promotional rate on your first transfer
📢 Special exchange rate applied for first transfer
If you are making international business money transfers or payments, RemitFinder can assist by matching you with the best options to suit your unique business needs. Get in touch now to see how we can help protect your business revenue by getting you higher exchange rates and lower transfer fees on international business FX.
💡What today's NOK-PLN exchange rates mean for you
Compare today's NOK-PLN exchange rates and send money from Norway to Poland after comparing numerous money transfer providers. Check the latest exchange rates, read detailed provider reviews, and discover deals and promo codes — all in one place.
RemitFinder compared 19 providers that you can rely on for Norway to Poland money transfers today. Here is a summary of how the competition looks like right now:
Today's Most Competitive Norway to Poland Providers
🥇 Regency FX with 1 NOK = 0.3877 PLN (best NOK to PLN exchange rate today).
🥈 Key Currency offering 1 NOK = 0.3877 PLN.
🥉 Currencyflow & Cambridge Currencies are also providing good FX rate today.
The exchange rate provided by these 19 providers ranges from PLN 0.3790 to PLN 0.3877. For a NOK 1000 money transfer from Norway to Poland, that could mean up to PLN 8.70 saved on FX alone.
NOK-PLN exchange rates fluctuate throughout the day, and top positions can change quickly. This volatility can significantly impact the final PLN payout that your recipient gets in Poland.
That's why we recommend comparing money transfer providers to ensure you can maximize the value of your Norway to Poland remittances.
🔄 Looking for the reverse corridor? Send money from Poland to Norway instead.
Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Norway.
👇 We also suggest looking beyond today's NOK-PLN exchange rate — historical pricing trends show many factors that can affect the overall transfer cost of your transfer.
Whilst NOK-PLN exchange rate is crucial, historical data shows that transfer fees, NOK amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze Norway to Poland historical remittance data to help you understand where costs may arise and share some best practices to try to maximize your PLN payout.
Data-driven cost insights for Norway to Poland money transfers
When you send money internationally from Norway to Poland, the key factors that will influence the overall cost of your transaction are:
- NOK-PLN exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, you would want to optimize these 4 factors to try to get the maximum PLN payout for your overseas recipient in Poland.
Another counter-balancing aspect is money transfer speed. If you need to rush money from Norway to Poland, you may have to compromise on some of the above factors whilst optimizing for speed.
To put this into a better perspective using a data-driven approach, we analyzed historical remittance pricing1 for Norway to Poland money transfers to compare transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 508 actual Norway to Poland money transfers handled by 15 providers over the last 5 years (for a NOK 1240 remittance benchmark).
This data-driven approach using real NOK-PLN transfer data provides useful insights into identifying the lowest-cost payment and delivery combinations, thereby helping you reduce costs and maximize the amount received.
Before we deep dive, here are the key trends from our analysis, summarized in an easy to read format.
📌 Key insights for Norway to Poland money transfers
- Average total cost: 4.89% (range -1.11% to 15.88%, spread 16.99 percentage points)
- Potential payout difference: On a NOK 1240 transfer, the above variation can save you up to NOK 210.68.
- Average FX markup: 2.02% (range -2.72%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. to 7.04%, spread 9.76 percentage points) - Average transfer fee: NOK 35.55 (range NOK 0.00 to NOK 131.00)
- Cheapest payment/delivery method combo: Credit Card → Bank Deposit (2.90% avg cost); most expensive is Cash → Bank Deposit (13.46%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 10.56% (NOK 130.97 on NOK 1240 transfer).
- Market coverage: ~15 providers on average (competition level: competitive)
- Average speed: About 22 hours
🛠️ Key takeaway: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.
Below, we provide detailed data-driven insights on various factors that influence the total cost of your Norway to Poland money transfers.
📈 NOK to PLN exchange rate is often the biggest driver of both cost and payout
The exchange rate on your Norway to Poland money transfers is usually the single biggest factor that will determine your overall NOK cost and your recipient's PLN payout.
To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market exchange rate
Based on historical pricing data for a NOK 1240 money transfer benchmark, we see the following FX markup ranges for Norwegian Krone to Poland transfers:
- Average markup: 2.02%
- Median markup: 1.42%
- Lowest markup: -2.72%
ⓘA negative markup generally represents a promotional exchange rate whereby a provider offers an exchange rate that is even higher than the mid-market rate, often on smaller amounts. - Highest markup: 7.04%
That is a spread of 9.76 percentage points between the lowest and highest observed FX markups.
To put this into perspective, on a NOK 1240 transfer, the above markup range is equivalent to roughly PLN 121.02 purely from differences in the exchange rate. That incremental saving increases to PLN 302.56 for a NOK 3100 transfer.
🛠️ How to use this insight: When comparing providers for Norway to Poland remittances, pay close attention to the exchange rate you receive. A small difference in the FX markup can quickly outweigh other factors like fees, and the gap generally grows as transfer amounts increase.
NOK to PLN exchange rate can be the single most critical factor that determines the cost of your transfer. When comparing providers, keep an eye on the rate you will get.
💰 Transfer fees affect your total Norway to Poland remittance cost
Whilst exchange rate is a major factor affecting total transfer cost, the transfer fee can also have a big impact on how much of your Norwegian Krone reaches your recipient in Poland.
Based on data from last 5 years, we notice the below about Norwegian Krone to Poland money transfer fees:
- Average fee: NOK 35.55
- Median fee: NOK 20.00
- Lowest fee: NOK 0.00
- Highest fee: NOK 131.00
The average fee amount of NOK 35.55 noted above represents 2.87% of the total amount sent.
Also note that even if two providers provide the same exchange rate, a best vs worst case transfer fee can increase the payout by NOK 131.00.
🛠️ How to use this insight: For your next money transfer from Norway to Polish Zloty, look for providers that provide lower (or even 0) fees.
One caveat to this, though, is something called the hidden fee. Some providers may hide their real fees by offering a 0 or low fee, but providing a lower exchange rate. The money lost due to an inferior FX rate affects your bottom line and is referred to as a hidden fee. Therefore, you should also keep an eye on rates whilst paying attention to fees.
Another point that you should keep in mind is that for larger transfers, fixed fees become a lesser percentage of total amount. But for smaller transfers, fees can be a major part of total cost.
💸 Payment and delivery methods matter for NOK-PLN remittances
Based on our detailed analysis of historical Norway to Poland data, we see consistent variation in overall cost amongst the payment method and delivery method you choose.
Here is the average cost for popular payment methods used to send money to Poland from Norway:
- Bank Account Transfer: 3.60%
- Debit Card: 4.37%
- Credit Card: 4.37%
- Cash: 9.45%
That is a total spread of 5.85 percentage points.
This means that on a NOK 1240 transfer, you could save up to NOK 72.50 simply by choosing the best priced payment method.
These savings will only multiply for higher NOK amounts.
Here is the average cost of popular delivery methods used to send money from Norway to Poland:
- Bank Deposit: 3.47%
- Cash Pickup: 7.45%
The cost difference between the above delivery methods is 3.98 percentage points.
Once again, this means that you could save up to NOK 49.32 on a NOK 1240 transfer to Poland by choosing Bank Deposit versus Cash Pickup.
As you can imagine, the possible combinations of Norway payment methods and Poland delivery methods will all have disparate cost. Let us look at that next.
Here is a summary of the average cost of payment and delivery method combinations for Norway to PLN money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Credit Card | Bank Deposit | 2.90 |
| Debit Card | Bank Deposit | 2.91 |
| Bank Account Transfer | Cash Pickup | 3.57 |
| Bank Account Transfer | Bank Deposit | 3.60 |
| Credit Card | Cash Pickup | 6.74 |
| Debit Card | Cash Pickup | 6.76 |
| Cash | Cash Pickup | 9.23 |
| Cash | Bank Deposit | 13.46 |
Sorted by Average Cost % (cheapest to most expensive).
As you can see, the difference between these NOK-PLN payment and delivery options is significant. Here are some observations:
- Credit Card → Bank Deposit has the lowest average cost at 2.90%.
- Cash → Bank Deposit has the highest average cost at 13.46%.
- Credit Card → Bank Deposit average cost is 10.56 percentage points lower than that of Cash → Bank Deposit.
- This means that on a NOK 1240 money transfer, you could save up to NOK 166.90 simply by choosing the best payment and delivery method combo.
- Further, on a NOK 3100 money transfer, the savings increase to NOK 417.26.
Here is a quick summary of the average historical cost of various payment and delivery methods for NOK to Poland money transfers.
💸 Cheapest payment and delivery methods (data-backed)
- Cheapest payment method: Bank Account Transfer averaged 3.60%, compared to 9.45% for Cash, a difference of 5.85 percentage points.
- Cheapest delivery method: Bank Deposit averaged 3.47%, compared to 7.45% for Cash Pickup (3.98 percentage points higher).
- Cheapest combo: Credit Card → Bank Deposit averaged 2.90%, which is 10.56 percentage points lower than Cash → Bank Deposit (13.46%).
🛠️ How to use this insight: As you compare money transfer providers for your next Norway to Poland international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.
This can help you avoid the pitfall of "great exchange rate, expensive methods".
You can save money on your Norway to Poland remittances by carefully choosing the most economical payment and delivery methods.
🏦 Are banks more expensive than money transfer providers for NOK-PLN remittances?
When we compared Norway banks with money transfer providers based on 5 years of remittance data, we noticed some patterns.
We observed that traditional banks charged 0.55 percentage points more on average than money transfer providers for Norway to Poland remittances.
This means banks tend to be approximately 1.11x more expensive than money transfer companies.
Here are the key stats behind this comparison:
| Banks | MTOs^ | Difference | |
|---|---|---|---|
| Average transfer fee | NOK 59.12 | NOK 31.90 | NOK 27.21 |
| Exchange rate markup | 0.59% | 2.24% | -1.65 pp* |
| Average total cost (%) | 5.36% | 4.81% | 0.55 pp* |
^MTO: Money transfer operator, a commonly used term for a money transfer provider
*Percentage points
🛠️ How to use this insight: Whilst banks in Norway may offer convenience and familiarity, money transfer providers often deliver lower overall cost due to their better exchange rates and lower fees. Even if you want to send money overseas with your bank in Norway, we recommend comparing with money transfer companies to find your best options.
📊 Does sending more money reduce the cost of NOK-PLN money transfers?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending NOK 1240 vs NOK 3100 from Norway to Poland.
We found that sending a higher amount (NOK 3100) tends to be cheaper - average cost drops from 4.89% to 3.48%, a reduction of 1.41 percentage points.
The cost of your transfer usually continues to drop as transfer amount increases. That said, always check the latest exchange rates and fees for your intended transfer amount.
🛠️ How to use this insight: Since it is generally cheaper to send higher Norwegian Krone amounts to Poland, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the Norway to Poland remittance market?
Based on data from the last 5 years, NOK-PLN money transfers are provided on an average by 15 remittance companies. With around 15 providers serving this market, we consider the level of competition to be competitive.
Traditional banks have represented only 13.3% of active providers in this corridor (2 out of 15), meaning money transfer companies make up the majority.
The good news is that you can currently compare 19 providers on RemitFinder for NOK-PLN transfers. This is a higher number of money transfer companies to choose from as compared to prior years.
A remittance market with more active providers is typically more competitive. This means you can get a better pricing and more payment and delivery options for your Norway to Poland remittances.
⏱️ How fast are NOK-PLN money transfers?
If your recipient in Poland needs funds urgently, you may need to optimize your transfer for speed.
Here is what we see for Norway to Poland transfers when it comes to processing time:
- Average transfer time: About 22 hours.
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 144 hours (~6.0 days).
- Average speed at NOK 1240: About 22 hours.
- Average speed at NOK 3100: About 22 hours.
Banks vs money transfer providers speed comparison: Banks take 30 hours longer on average than money transfer providers.
🛠️ How to use this insight: If you need to send money from Norway to Poland in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed also varies based on the delivery method (bank vs cash vs wallet) you choose for Poland.
Norway to Poland transfer speed varies across providers, so compare transfer speed along with cost for time-sensitive money transfers. In addition, pick the fastest payment and delivery methods for faster processing.
Frequently Asked Questions about Norway to Poland money transfers
These FAQs use data from RemitFinder's historical analysis of Norway to Poland money transfers over several years.
What factors affect the total cost of sending money from Norway to Poland?
The total cost of your NOK-PLN money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate you get, and any transfer fee charged by the provider.
To avoid overpaying for your transfer, compare money transfer providers.
How much does the exchange rate affect Norway to Poland transfers?
Historical NOK to PLN exchange rate markup ranges from -2.72% to 7.04%, a spread of 9.76 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Can NOK-PLN exchange rate markup be negative?
Sometimes, money transfer providers may offer promotional exchange rates that are better than the mid-market exchange rate, resulting in a negative NOK-PLN exchange rate markup.
Such offers are generally limited by transfer amount, eligibility, or duration. Compare providers to see if you can take advantage of any ongoing special offers.
Is the exchange rate or the transfer fee more important for Norway to Poland transfers?
Exchange rate markup ranges from -2.72% to 7.04% (a spread of 9.76 percentage points).
Transfer fees range from NOK 0.00 to NOK 131.00, which equals roughly 10.56% on a NOK 1240.00 transfer.
At NOK 1240.00, the larger driver of overall cost is the transfer fee, whilst at NOK 3100.00, it shifts toward exchange rate markup.
Regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Norway to Poland transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger NOK amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.
For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate often becomes the bigger driver. Either way, comparing both helps you get the most PLN for your NOK.
How much can Norway to Poland transfer costs vary between providers?
Historical transfer cost ranges from -1.11% to 15.88% for NOK transfers to Poland. That is a spread of 16.99 percentage points, meaning significant differences between various money transfer providers.
A major contributor to this variation is exchange rate markup. FX markup alone ranges from -2.72% to 7.04% (a spread of 9.76 percentage points). Thus, even small differences in FX margin can have a big impact on the final PLN payout.
Why do various money transfer providers price NOK to Poland transfers differently?
If you send the same Norwegian Krone amount to Poland via different providers, the cost of each transfer will be different because of variations in FX markup, fees, and payment and delivery methods.
Even small differences among all the above factors can change the final PLN payout in Poland in a big way.
How stable are transfer costs in the Norway to Poland corridor?
When we analyzed the historical total cost for NOK-PLN transfers, we observed a range from -1.11% to 15.88% (16.99 percentage points difference), along with a variability (standard deviation) of 3.25%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from -2.72% to 7.04% (9.76 percentage points difference), with a standard deviation of 1.79%. Fees and payment/delivery method choices can contribute to further volatility.
This is exactly why we recommend comparing money transfer providers to get the most of your NOK-PLN transfers.
Which payment method is cheapest for Norway to Poland remittances?
Bank Account Transfer is the cheapest payment method in Norway based on its average cost at 3.60% (compared to Cash at 9.45%, a difference of 5.85 percentage points).
Based on this, we recommend paying for your NOK transfer with Bank Account Transfer, and avoiding Cash if possible.
Is Debit Card cheaper than Credit Card for Norway to Poland transfers?
Debit Card is cheaper on average when sending money to Poland from Norway since it costs 4.37% (compared to 4.37% for Credit Card payments, a difference of 0.00 percentage points).
As a result, we recommend that you avoid paying for your transfer to Poland with a Credit Card.
Which delivery method is cheapest for NOK-PLN money transfers?
Bank Deposit is the cheapest delivery method in Poland as it costs 3.47% (compared to Cash Pickup at 7.45%, a spread of 3.98 percentage points).
If your recipient in Poland can accept Bank Deposit, we recommend choosing it as your preferred delivery option for NOK-PLN transfers.
Is Bank Deposit cheaper than Cash Pickup for Norway to Poland transfers?
Bank Deposit is cheaper for transfers to Poland given its 3.47% average cost (versus 7.45% for Cash Pickup, a difference of 3.98 percentage points).
To save more, consider choosing the cheapest delivery option for Poland.
What is the cheapest way to send money from Norway to Poland?
We evaluated 8 payment and delivery method combinations for Norway to Poland remittances.
Based on historical data, Credit Card → Bank Deposit is the cheapest combination with 2.90% cost.
At the other end of the spectrum, Cash → Bank Deposit is the most expensive combination at 13.46% cost. That is a difference of 10.56 percentage points between the cheapest and most expensive combinations.
Money transfer providers tend to price payment and delivery methods for Norway to Poland remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your NOK-PLN transfers.
Does sending more money reduce the cost for Norway to Poland transfers?
Larger NOK-PLN transfers are cheaper on average.
The cost of a NOK 1240 transfer averages 4.89% as compared to 3.48% for a NOK 3100 transfer, a difference of 1.41 percentage points.
How long does it take to send money from Norway to Poland?
Based on our analysis, the average transfer time for NOK-PLN transfers is 22 hours, with the fastest transfers completing in less than one hour and the slowest in 144 hours (~6.0 days).
Are instant transfers available from Norway to Poland?
Yes, historical data shows that some transfers to Poland from Norway can complete in less than one hour.
Note that the actual speed of your NOK-PLN transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
Are banks more expensive than money transfer companies for Norway to Poland?
Banks in Norway are more expensive than money transfer providers.
The average cost of banks is 5.36% compared to 4.81% for money transfer providers in Norway, a difference of 0.55 percentage points.
Why do banks charge more for Norway to Poland transfers?
Bank transfers in Norway cost 5.36% compared to 4.81% for money transfer companies.
The difference is often due to the fact that banks in Norway provider lower exchange rates and charge high wire transfer fees.
How competitive is the Norway to Poland remittance market?
Based on historical data, the competition level in Norway to Poland is considered competitive with 15 active providers.
Money transfer providers represent about 86.7% of identified providers in Norway.
Do I risk overpaying if I do not compare providers for Norway to Poland?
Historically, total NOK-PLN transfer cost has varied by 16.99 percentage points. On a NOK 1240 transfer, that can translate to NOK 210.68 in savings.
NOK-PLN exchange rate markup also varies across providers. The average markup spread has been about 9.76 percentage points. On a NOK 1240 transfer, that could be NOK 121.02 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about NOK 131.00 across providers.
That is why comparing providers can materially change how much of the NOK you send does your recipient receive in Poland in Poland.
Latest NOK to PLN Conversion Rates
Here are some latest NOK to PLN (Norwegian Krone to Polish Zloty) exchange rates for popular conversion amounts*.
| 1 NOK | 0.39 PLN |
| 5 NOK | 1.95 PLN |
| 10 NOK | 3.89 PLN |
| 25 NOK | 9.73 PLN |
| 50 NOK | 19.45 PLN |
| 100 NOK | 38.90 PLN |
| 150 NOK | 58.35 PLN |
| 200 NOK | 77.80 PLN |
| 250 NOK | 97.25 PLN |
| 300 NOK | 116.70 PLN |
| 400 NOK | 155.60 PLN |
| 500 NOK | 194.50 PLN |
| 600 NOK | 233.40 PLN |
| 700 NOK | 272.30 PLN |
| 800 NOK | 311.20 PLN |
| 1000 NOK | 389.00 PLN |
| 1500 NOK | 583.50 PLN |
| 2000 NOK | 778.00 PLN |
| 2500 NOK | 972.50 PLN |
| 3000 NOK | 1,167.00 PLN |
| 4000 NOK | 1,556.00 PLN |
| 5000 NOK | 1,945.00 PLN |
| 10000 NOK | 3,890.00 PLN |
| 15000 NOK | 5,835.00 PLN |
| 20000 NOK | 7,780.00 PLN |
| 30000 NOK | 11,670.00 PLN |
| 40000 NOK | 15,560.00 PLN |
| 50000 NOK | 19,450.00 PLN |
| 100000 NOK | 38,900.00 PLN |
*Based on the Mid-market Exchange Rate
1 Based on 508 pricing observations across 15 firms over the last 5 years for a NOK 1240 money transfer from Norway to Poland. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.
How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Norway to Poland remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.