🇵🇱 PLN → 🇵🇭 PHP · fee comparison
Send money from Poland to the Philippines
On a 4,000 zł transfer, the gap between the cheapest and the most expensive option is 1,675 ₱. Every provider below is ranked by the amount that actually reaches the recipient — counting both the fee and the hidden exchange-rate markup.
Regular bank
2–5 business days
Fee25.00 zł
Rate markup3.2%
Recipient gets62,735 ₱
Updated 27 July 2026. Table calculated for 4,000 zł at the mid-market rate of 1 PLN = 16.30 PHP. Rates and fees refresh automatically several times a day (sources: ECB, providers' public APIs).
Frequently asked questions
What is the cheapest way to send money from Poland to the Philippines?
For a 4,000 zł transfer, our comparison shows Paysend delivers the most: the recipient gets 64,410 ₱. Results vary with the amount and payout method.
Why doesn't “zero fee” mean free?
Providers earn on the exchange-rate markup. A 2–4% markup never appears as a line item, which is why the honest way to compare is the final amount received.
How fast is a PLN → PHP transfer?
Digital services (Wise, Paysend, Remitly) usually deliver within minutes to hours. A bank SWIFT transfer takes 2–5 business days.
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