Compare today's PLN to UAH (Polish Zloty to Ukrainian Hryvnia) exchange rates
📈 Poland to Ukraine Money Transfer Snapshot Today
- Best PLN to UAH exchange rate today: UAH 11.6737, offered by Western Union
- Number of money transfer providers compared: 4
- Exchange rate range: UAH 11.4900 to UAH 11.6737
- Potential savings on PLN 1000: UAH 183.70
- Number of deals and promo codes: 2
- Mid-market
ⓘThe mid-market exchange rate (also called the interbank rate) is the real PLN to UAH exchange rate before providers add their margin or fees. exchange rate: 1 PLN = UAH 11.9195 (Updated about an hour ago)
See detailed Poland to Ukraine money transfer comparison below.
Money Transfer Providers that matched the search criteria
📢 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 PLN-UAH exchange rates mean for you
Compare today's PLN-UAH exchange rates and send money from Poland to Ukraine 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 4 providers that you can rely on for Poland to Ukraine money transfers today. Here is a summary of how the competition looks like right now:
Today's Most Competitive Poland to Ukraine Providers
🥇 Western Union with 1 PLN = 11.6737 UAH (best PLN to UAH exchange rate today).
🥈 Profee offering 1 PLN = 11.6706 UAH.
The exchange rate provided by these 4 providers ranges from UAH 11.4900 to UAH 11.6737. For a PLN 1000 money transfer from Poland to Ukraine, that could mean up to UAH 183.70 saved on FX alone.
PLN-UAH exchange rates fluctuate throughout the day, and top positions can change quickly. This volatility can significantly impact the final UAH payout that your recipient gets in Ukraine.
That's why we recommend comparing money transfer providers to ensure you can maximize the value of your Poland to Ukraine remittances.
🔄 Looking for the reverse corridor? Send money from Ukraine to Poland 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 Poland.
👇 We also suggest looking beyond today's PLN-UAH exchange rate — historical pricing trends show many factors that can affect the overall transfer cost of your transfer.
Whilst PLN-UAH exchange rate is crucial, historical data shows that transfer fees, PLN amount sent and payment and delivery methods can also significantly influence your final payout.
Below, we analyze Poland to Ukraine historical remittance data to help you understand where costs may arise and share some best practices to try to maximize your UAH payout.
Data-driven cost insights for Poland to Ukraine money transfers
When you send money internationally from Poland to Ukraine, the key factors that will influence the overall cost of your transaction are:
- PLN-UAH exchange rate
- Transfer fee
- Payment method
- Delivery method
Ideally, you would want to optimize these 4 factors to try to get the maximum UAH payout for your overseas recipient in Ukraine.
Another counter-balancing aspect is money transfer speed. If you need to rush money from Poland to Ukraine, 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 Poland to Ukraine money transfers to compare transfer costs, FX margins, fees, and payment and delivery methods across providers.
This analysis is based on 120 actual Poland to Ukraine money transfers handled by 7 providers over the last 5 years (for a PLN 860 remittance benchmark).
This data-driven approach using real PLN-UAH 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 Poland to Ukraine money transfers
- Average total cost: 3.96% (range 0.57% to 15.88%, spread 15.31 percentage points)
- Potential payout difference: On a PLN 860 transfer, the above variation can save you up to PLN 131.67.
- Average FX markup: 2.26% (range -0.13%
ⓘ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 4.68%, spread 4.81 percentage points) - Average transfer fee: PLN 14.60 (range PLN 0.00 to PLN 102.00)
- Cheapest payment/delivery method combo: Debit Card → Bank Deposit (2.03% avg cost); most expensive is Cash → Cash Pickup (5.95%)
- Payment/delivery method choice impact: Cheapest vs most expensive combo saves 3.93% (PLN 33.76 on PLN 860 transfer).
- Market coverage: ~7 providers on average (competition level: moderate)
- Average speed: About 12 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 Poland to Ukraine money transfers.
📈 PLN to UAH exchange rate is often the biggest driver of both cost and payout
The exchange rate on your Poland to Ukraine money transfers is usually the single biggest factor that will determine your overall PLN cost and your recipient's UAH 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 PLN 860 money transfer benchmark, we see the following FX markup ranges for Polish Zloty to Ukraine transfers:
- Average markup: 2.26%
- Median markup: 2.23%
- Lowest markup: -0.13%
ⓘ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: 4.68%
That is a spread of 4.81 percentage points between the lowest and highest observed FX markups.
To put this into perspective, on a PLN 860 transfer, the above markup range is equivalent to roughly UAH 41.37 purely from differences in the exchange rate. That incremental saving increases to UAH 103.41 for a PLN 2150 transfer.
🛠️ How to use this insight: When comparing providers for Poland to Ukraine 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.
PLN to UAH 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 Poland to Ukraine 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 Polish Zloty reaches your recipient in Ukraine.
Based on data from last 5 years, we notice the below about Polish Zloty to Ukraine money transfer fees:
- Average fee: PLN 14.60
- Median fee: PLN 9.90
- Lowest fee: PLN 0.00
- Highest fee: PLN 102.00
The average fee amount of PLN 14.60 noted above represents 1.70% 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 PLN 102.00.
🛠️ How to use this insight: For your next money transfer from Poland to Ukrainian Hryvnia, 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 PLN-UAH remittances
Based on our detailed analysis of historical Poland to Ukraine 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 Ukraine from Poland:
- Debit Card: 2.66%
- Credit Card: 3.34%
- Cash: 5.11%
- Bank Account Transfer: 5.24%
That is a total spread of 2.58 percentage points.
This means that on a PLN 860 transfer, you could save up to PLN 22.15 simply by choosing the best priced payment method.
These savings will only multiply for higher PLN amounts.
Here is the average cost of popular delivery methods used to send money from Poland to Ukraine:
- Bank Deposit: 3.57%
- Cash Pickup: 4.54%
The cost difference between the above delivery methods is 0.98 percentage points.
Once again, this means that you could save up to PLN 8.39 on a PLN 860 transfer to Ukraine by choosing Bank Deposit versus Cash Pickup.
As you can imagine, the possible combinations of Poland payment methods and Ukraine 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 Poland to UAH money transfers.
| Payment Method | Delivery Method | Average Cost (%) |
|---|---|---|
| Debit Card | Bank Deposit | 2.03 |
| Credit Card | Bank Deposit | 2.63 |
| Cash | Bank Deposit | 3.43 |
| Debit Card | Cash Pickup | 3.72 |
| Credit Card | Cash Pickup | 3.90 |
| Bank Account Transfer | Bank Deposit | 5.24 |
| Cash | Cash Pickup | 5.95 |
Sorted by Average Cost % (cheapest to most expensive).
As you can see, the difference between these PLN-UAH payment and delivery options is significant. Here are some observations:
- Debit Card → Bank Deposit has the lowest average cost at 2.03%.
- Cash → Cash Pickup has the highest average cost at 5.95%.
- Debit Card → Bank Deposit average cost is 3.93 percentage points lower than that of Cash → Cash Pickup.
- This means that on a PLN 860 money transfer, you could save up to PLN 51.21 simply by choosing the best payment and delivery method combo.
- Further, on a PLN 2150 money transfer, the savings increase to PLN 128.02.
Here is a quick summary of the average historical cost of various payment and delivery methods for PLN to Ukraine money transfers.
💸 Cheapest payment and delivery methods (data-backed)
- Cheapest payment method: Debit Card averaged 2.66%, compared to 5.24% for Bank Account Transfer, a difference of 2.58 percentage points.
- Cheapest delivery method: Bank Deposit averaged 3.57%, compared to 4.54% for Cash Pickup (0.98 percentage points higher).
- Cheapest combo: Debit Card → Bank Deposit averaged 2.03%, which is 3.93 percentage points lower than Cash → Cash Pickup (5.95%).
🛠️ How to use this insight: As you compare money transfer providers for your next Poland to Ukraine 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 Poland to Ukraine remittances by carefully choosing the most economical payment and delivery methods.
🏦 Are banks more expensive than money transfer providers for PLN-UAH remittances?
When we compared Poland banks with money transfer providers based on 5 years of remittance data, we noticed some patterns.
We observed that traditional banks charged 4.51 percentage points more on average than money transfer providers for Poland to Ukraine remittances.
This means banks tend to be approximately 2.35x more expensive than money transfer companies.
Here are the key stats behind this comparison:
| Banks | MTOs^ | Difference | |
|---|---|---|---|
| Average transfer fee | PLN 45.38 | PLN 9.87 | PLN 35.51 |
| Exchange rate markup | 2.59% | 2.21% | 0.38 pp* |
| Average total cost (%) | 7.87% | 3.35% | 4.51 pp* |
^MTO: Money transfer operator, a commonly used term for a money transfer provider
*Percentage points
🛠️ How to use this insight: Whilst banks in Poland 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 Poland, we recommend comparing with money transfer companies to find your best options.
📊 Does sending more money reduce the cost of PLN-UAH money transfers?
To see if transfer cost varies based on the amount sent, we compared the average cost of sending PLN 860 vs PLN 2150 from Poland to Ukraine.
We found that sending a higher amount (PLN 2150) tends to be cheaper - average cost drops from 3.96% to 3.34%, a reduction of 0.61 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 Polish Zloty amounts to Ukraine, consider consolidating smaller, more frequent transfers into fewer, larger ones. Doing so may reduce the total cost you pay.
🏛 How competitive is the Poland to Ukraine remittance market?
Based on data from the last 5 years, PLN-UAH money transfers are provided on an average by 7 remittance companies. With around 7 providers serving this market, we consider the level of competition to be moderate.
Traditional banks have represented only 28.6% of active providers in this corridor (2 out of 7), meaning money transfer companies make up the majority.
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 Poland to Ukraine remittances.
⏱️ How fast are PLN-UAH money transfers?
If your recipient in Ukraine needs funds urgently, you may need to optimize your transfer for speed.
Here is what we see for Poland to Ukraine transfers when it comes to processing time:
- Average transfer time: About 12 hours.
- Fastest transfer time: About less than 1 hour.
- Slowest transfer time: About 48 hours (~2.0 days).
- Average speed at PLN 860: About 12 hours.
- Average speed at PLN 2150: About 12 hours.
Banks vs money transfer providers speed comparison: Banks take 42 hours longer on average than money transfer providers.
🛠️ How to use this insight: If you need to send money from Poland to Ukraine 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 Ukraine.
Poland to Ukraine 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 Poland to Ukraine money transfers
These FAQs use data from RemitFinder's historical analysis of Poland to Ukraine money transfers over several years.
What factors affect the total cost of sending money from Poland to Ukraine?
The total cost of your PLN-UAH 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 Poland to Ukraine transfers?
Historical PLN to UAH exchange rate markup ranges from -0.13% to 4.68%, a spread of 4.81 percentage points. Even small differences in the exchange rate markup can impact your final payout significantly.
Can PLN-UAH 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 PLN-UAH 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 Poland to Ukraine transfers?
Exchange rate markup ranges from -0.13% to 4.68% (a spread of 4.81 percentage points).
Transfer fees range from PLN 0.00 to PLN 102.00, which equals roughly 11.86% on a PLN 860.00 transfer.
At PLN 860.00, the larger driver of overall cost is the transfer fee, whilst at PLN 2150.00, 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 Poland to Ukraine transfers.
As the transfer amount increases, the % impact of fees decreases (because the fee gets spread across a larger PLN 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 UAH for your PLN.
How much can Poland to Ukraine transfer costs vary between providers?
Historical transfer cost ranges from 0.57% to 15.88% for PLN transfers to Ukraine. That is a spread of 15.31 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 -0.13% to 4.68% (a spread of 4.81 percentage points). Thus, even small differences in FX margin can have a big impact on the final UAH payout.
Why do various money transfer providers price PLN to Ukraine transfers differently?
If you send the same Polish Zloty amount to Ukraine 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 UAH payout in Ukraine in a big way.
How stable are transfer costs in the Poland to Ukraine corridor?
When we analyzed the historical total cost for PLN-UAH transfers, we observed a range from 0.57% to 15.88% (15.31 percentage points difference), along with a variability (standard deviation) of 2.60%.
A major driver of cost in this market is exchange rate markup. FX markup ranges from -0.13% to 4.68% (4.81 percentage points difference), with a standard deviation of 1.27%. 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 PLN-UAH transfers.
Which payment method is cheapest for Poland to Ukraine remittances?
Debit Card is the cheapest payment method in Poland based on its average cost at 2.66% (compared to Bank Account Transfer at 5.24%, a difference of 2.58 percentage points).
Based on this, we recommend paying for your PLN transfer with Debit Card, and avoiding Bank Account Transfer if possible.
Is Debit Card cheaper than Credit Card for Poland to Ukraine transfers?
Debit Card is cheaper on average when sending money to Ukraine from Poland since it costs 2.66% (compared to 3.34% for Credit Card payments, a difference of 0.67 percentage points).
As a result, we recommend that you avoid paying for your transfer to Ukraine with a Credit Card.
Which delivery method is cheapest for PLN-UAH money transfers?
Bank Deposit is the cheapest delivery method in Ukraine as it costs 3.57% (compared to Cash Pickup at 4.54%, a spread of 0.98 percentage points).
If your recipient in Ukraine can accept Bank Deposit, we recommend choosing it as your preferred delivery option for PLN-UAH transfers.
Is Bank Deposit cheaper than Cash Pickup for Poland to Ukraine transfers?
Bank Deposit is cheaper for transfers to Ukraine given its 3.57% average cost (versus 4.54% for Cash Pickup, a difference of 0.98 percentage points).
To save more, consider choosing the cheapest delivery option for Ukraine.
What is the cheapest way to send money from Poland to Ukraine?
We evaluated 7 payment and delivery method combinations for Poland to Ukraine remittances.
Based on historical data, Debit Card → Bank Deposit is the cheapest combination with 2.03% cost.
At the other end of the spectrum, Cash → Cash Pickup is the most expensive combination at 5.95% cost. That is a difference of 3.93 percentage points between the cheapest and most expensive combinations.
Money transfer providers tend to price payment and delivery methods for Poland to Ukraine remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your PLN-UAH transfers.
Does sending more money reduce the cost for Poland to Ukraine transfers?
Larger PLN-UAH transfers are cheaper on average.
The cost of a PLN 860 transfer averages 3.96% as compared to 3.34% for a PLN 2150 transfer, a difference of 0.61 percentage points.
How long does it take to send money from Poland to Ukraine?
Based on our analysis, the average transfer time for PLN-UAH transfers is 12 hours, with the fastest transfers completing in less than one hour and the slowest in 48 hours (~2.0 days).
Are instant transfers available from Poland to Ukraine?
Yes, historical data shows that some transfers to Ukraine from Poland can complete in less than one hour.
Note that the actual speed of your PLN-UAH transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.
Are banks more expensive than money transfer companies for Poland to Ukraine?
Banks in Poland are more expensive than money transfer providers.
The average cost of banks is 7.87% compared to 3.35% for money transfer providers in Poland, a difference of 4.51 percentage points.
Why do banks charge more for Poland to Ukraine transfers?
Bank transfers in Poland cost 7.87% compared to 3.35% for money transfer companies.
The difference is often due to the fact that banks in Poland provider lower exchange rates and charge high wire transfer fees.
How competitive is the Poland to Ukraine remittance market?
Based on historical data, the competition level in Poland to Ukraine is considered moderate with 7 active providers.
Money transfer providers represent about 71.4% of identified providers in Poland.
Do I risk overpaying if I do not compare providers for Poland to Ukraine?
Historically, total PLN-UAH transfer cost has varied by 15.31 percentage points. On a PLN 860 transfer, that can translate to PLN 131.67 in savings.
PLN-UAH exchange rate markup also varies across providers. The average markup spread has been about 4.81 percentage points. On a PLN 860 transfer, that could be PLN 41.37 saved from FX alone.
Fees can also make a big difference in this market, with a difference of about PLN 102.00 across providers.
That is why comparing providers can materially change how much of the PLN you send does your recipient receive in Ukraine in Ukraine.
Latest PLN to UAH Conversion Rates
Here are some latest PLN to UAH (Polish Zloty to Ukrainian Hryvnia) exchange rates for popular conversion amounts*.
| 1 PLN | 11.92 UAH |
| 5 PLN | 59.60 UAH |
| 10 PLN | 119.20 UAH |
| 25 PLN | 297.99 UAH |
| 50 PLN | 595.97 UAH |
| 100 PLN | 1,191.95 UAH |
| 150 PLN | 1,787.93 UAH |
| 200 PLN | 2,383.90 UAH |
| 250 PLN | 2,979.88 UAH |
| 300 PLN | 3,575.85 UAH |
| 400 PLN | 4,767.80 UAH |
| 500 PLN | 5,959.75 UAH |
| 600 PLN | 7,151.70 UAH |
| 700 PLN | 8,343.65 UAH |
| 800 PLN | 9,535.60 UAH |
| 1000 PLN | 11,919.50 UAH |
| 1500 PLN | 17,879.25 UAH |
| 2000 PLN | 23,839.00 UAH |
| 2500 PLN | 29,798.75 UAH |
| 3000 PLN | 35,758.50 UAH |
| 4000 PLN | 47,678.00 UAH |
| 5000 PLN | 59,597.50 UAH |
| 10000 PLN | 119,195.00 UAH |
| 15000 PLN | 178,792.50 UAH |
| 20000 PLN | 238,390.00 UAH |
| 30000 PLN | 357,585.00 UAH |
| 40000 PLN | 476,780.00 UAH |
| 50000 PLN | 595,975.00 UAH |
| 100000 PLN | 1,191,950.00 UAH |
*Based on the Mid-market Exchange Rate
1 Based on 120 pricing observations across 7 firms over the last 5 years for a PLN 860 money transfer from Poland to Ukraine. 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 Poland to Ukraine 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.