🇵🇱 PLN → 🇺🇦 UAH · fee comparison

Send money from Poland to Ukraine

On a 4,000 zł transfer, the gap between the cheapest and the most expensive option is 1,805 ₴. Every provider below is ranked by the amount that actually reaches the recipient — counting both the fee and the hidden exchange-rate markup.

Best value
Wise
minutes–hours, to account
Fee18.60 zł
Rate markup0.0%
loss 0.5%
Recipient gets47,069 ₴
Paysend
minutes, to card
Fee1.50 zł
Rate markup1.2%
loss 1.2%
Recipient gets46,704 ₴
Remitly
minutes (Express)
Fee1.99 zł
Rate markup1.8%
loss 1.8%
Recipient gets46,415 ₴
Regular bank
2–5 business days
Fee25.00 zł
Rate markup3.2%
loss 3.8%
Recipient gets45,490 ₴
Western Union
minutes, cash pickup
Fee24.00 zł
Rate markup3.7%
loss 4.3%
Recipient gets45,264 ₴

Updated 27 July 2026. Table calculated for 4,000 zł at the mid-market rate of 1 PLN = 11.82 UAH. 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 Ukraine?

For a 4,000 zł transfer, our comparison shows Wise delivers the most: the recipient gets 47,069 ₴. 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 → UAH 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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