PolandPLNPolish Zloty
Tens of thousands of Russian speakers now live in Poland — in Warsaw, Krakow, Wroclaw. Direct SWIFT transfers from Russia to Polish banks don't work, and Mir cards are not accepted. ATM24 credits PLN to IBAN at PKO BP, mBank, or ING through alternative routes and provides cash zlotys in major Polish cities. The exchange rate in zlotys and the route are agreed upon before payment.
The route, the receiving bank and the payout amount are agreed before payment.
Poland is a significant destination for money transfers: the country is home to one of Europe's largest Ukrainian diaspora communities, as well as Russian-speaking recipients connected to Russia through family and business relationships. PLN (Polish zloty) is Poland's national currency; the country is an EU member but not part of the eurozone. Poland adheres to the EU sanctions regime, so transfers from Russia may undergo additional AML/KYC checks and require supporting documents. BLIK is a fast payment system developed by Polish banks: a 6-digit one-time code from a banking app allows you to pay for purchases in stores and online, as well as withdraw cash from ATMs without a bank card. BLIK also offers instant P2P transfers by phone number. More than 15 million people use BLIK.
For international transfers from Russia, BLIK is not used directly — a Polish bank IBAN and BIC/SWIFT code are required for bank deposits. Transfers from Russia to Poland are made through available SWIFT routes with subsequent crediting in PLN or another currency of the recipient's account; the transfer time is several business days and depends on the chosen route and bank. A Polish bank IBAN starts with PL and contains 28 characters. Polish zloty cash through ATM24 is available in major Polish cities through our partner network; the specific pickup location is confirmed when placing your request.
Poland's payment ecosystem: banks, cards, BLIK, and international transfers. Country — Poland. Receiving currency — PLN (Polish zloty). Sending currency — RUB, USD, and USDT. Transfer method — bank account by IBAN, Visa and Mastercard, or cash PLN. ATM24 commission — from 0.9%. Transfer time — from several minutes for available card and cash channels; via SWIFT — several business days.
Poland's payment ecosystem: key payment systems and services. BLIK — a unique Polish fast payment system: a 6-digit one-time code from a banking app is used for purchases, online payments, and cash withdrawals without a card. PayU — one of Poland's largest payment gateways, widely used by Polish online stores to accept online payments. Express Elixir — Poland's instant interbank transfer system, operating 24/7 at participating banks. Google Pay and BLIK — popular payment instruments in Poland: Google Pay is used for NFC payments, and BLIK is used for payments, transfers, and cash withdrawals via one-time code. Financial regulator — KNF (Polish Financial Supervision Authority), which oversees banks and the country's financial market. Polish banks typically operate Monday–Friday from 8:00 to 17:00; some branches may operate on Saturdays from 9:00 to 13:00, while BLIK and online banking are available 24/7.
Visa and Mastercard from Polish banks: PKO BP, Bank Pekao, mBank, ING, Santander PL. You need 16 card digits and the recipient's full name as shown in documents. PLN credit — within several minutes, the ruble to zloty exchange rate is fixed before payment
Required: IBAN (PL... 26 digits), bank BIC, account owner's full name. PKO BP, Bank Pekao, mBank, ING Bank Slaski, Santander Bank Polska, Revolut PL. Direct SWIFT from Russia to Poland is blocked — transfer goes through an intermediary, timeline and details will be clarified by our manager
PLN cash issuance in major Polish cities through ATM24's partner network. Convenient for deposits, rent, or initial expenses after relocation. Current pickup locations — available from our manager when placing your request
For Poland, the key question is whether the recipient has a Polish IBAN (PL..., 26 digits). If yes — ATM24 credits PLN through an alternative route. If no — cash PLN in Warsaw or a Polish bank card. Clarify the recipient's details in advance — our manager will verify the route before payment.
We accept RUB, USD, EUR and USDT — we pay out in PLN
RUB PLN
0.04028per 1 RUB
10 000 ₽ = 403 PLNUSD PLN
3.61per 1 USD
100 $ = 361 PLNEUR PLN
4.09per 1 EUR
100 € = 409 PLNUSDT PLN
3.61per 1 USDT
100 USDT = 361 PLN| You send | Payout in PLN |
|---|---|
| 100 USDT | 361 PLN |
| 300 USDT | 1 083 PLN |
| 500 USDT | 1 805 PLN |
| 1 000 USDT | 3 611 PLN |
| 5 000 USDT | 18 054 PLN |
Where recipients usually get the money in Poland
Poland's largest bank by assets and number of clients. IBAN PL (SWIFT BPKOPLPW). Extensive network throughout the country.
Bank Pekao — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Subsidiary of ING Group. IBAN PL, SWIFT INGBPLPWXXX. Popular among businesses and expats.
Pioneer of online banking in Poland. IBAN PL, SWIFT BREXPLPWXXX. Actively used by young people and freelancers.
Santander Bank Polska — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Poland is an EU member but not in the eurozone; the country's national currency is the Polish zloty (PLN).
Card systems
Mir cards are not accepted in Poland at ATMs or payment terminals.
Payment applications
Revolut with a Polish IBAN operates within the SEPA infrastructure and is widely used, including by Russian-speaking expats in Warsaw and Krakow.
Interbank transfers
A Polish bank IBAN starts with PL and contains 28 characters: country code PL and 26 digits.
Financial regulator
Direct SWIFT transfers from Russia to Polish banks are severely restricted: after 2022, many banks stopped accepting payments through Russian correspondent banks, making Poland one of the most challenging European destinations for transfers from Russia.
ATM24 specifics
Poland is part of the SEPA zone (PLN, not EUR) and applies the EU sanctions regime. Polish banks (PKO BP, mBank, Pekao) conduct enhanced monitoring of transfers from Russia. Transfers are possible in PLN via SWIFT — the route is coordinated individually by ATM24. KNF (Komisja Nadzoru Finansowego) regulates AML/KYC for incoming transfers.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Manager Catherine helped make my day better, explained everything. Everything was fast and efficient, took 15-20 minutes.
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The operation was successful, the money was withdrawn, I lost a little money, exchanging rubles for bahts took a while, but not critical. No fraud, everything was done exactly according to the instructions. All the money is in hand.
Read full reviewEverything is great! I sent the coin, received cash Thai baht! Manager Stanislav helped with this! He was in touch the whole time, even explained step by step where to click.. It all took more than an hour, but I was satisfied
Read full reviewAbout exchanging currency from SPB Tinkoff (T-bank) to dirham cash. Since I am in Dubai (today 16.06.2025) I was honestly afraid to exchange. I found someone’s article and there was a link to “trusted exchangers.” I moved to WhatsApp, we chatted. I exchanged 500 through the ATM. Everything was successful, but I still worried terribly. I communicated with manager Ekaterina. When I transferred the money, she wrote to me "waiting for confirmation from the recipient" and so for each stage. No commissions. You just enter 6 digits at the ATM and get the cash. It was my first time and only once so far, everything went well! I even asked AI about the company’s reliability))) AI replied that it’s reliable, provided facts from the web and reviews. That’s why I actually decided to send the money. Very glad that everything went well, thanks to whoever came up with this and to Ekaterina))
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Excellent service! I needed to withdraw or transfer a large amount in baht, but I only had rubles. Found these guys on Google and did the deal online on full trust. Everything went wonderfully! Manager Alisa helped me, many thanks to her and the whole team 🫶🏻
Read full reviewEverything is great, exchanged rubles in Dubai. Thanks to Stanislav.
Read full reviewUsed the exchange service, the transfer from Russia to China was at a very good rate and within about 15 minutes. I recommend!
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Today I made a transaction to exchange rubles for baht, everything went quickly and successfully! I worked with my personal manager Alisa, I recommend!
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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We've gathered answers to frequently asked questions about PLN transfers and cash zloty payments to Poland.
To send money to Poland with payout in PLN through ATM24, provide the recipient bank route, usually IBAN/account details or a supported card route. ATM24 checks PKO Bank Polski, Santander Bank Polska, Alior Bank, mBank, or the selected bank, then fixes the PLN amount and fee before payment. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For Poland, ATM24 checks whether a PLN transfer should go to an IBAN/account route or to a supported card route. PKO Bank Polski, Santander Bank Polska, Alior Bank, and mBank can require different detail checks before payment. The sender pays only after the recipient bank and PLN payout route are confirmed. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For Poland, PLN payouts can be checked through PKO Bank Polski, Santander Bank Polska, Alior Bank, mBank, and Bank Pekao. ATM24 reviews IBAN and card routes before payment. The recipient bank must support the selected PLN route.
For a PLN transfer to Poland, ATM24 checks recipient name, Polish IBAN, PKO Bank Polski, Santander Bank Polska, Alior Bank, mBank, or a supported card route. IBAN and card details are reviewed separately. The PLN route is confirmed before payment. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
A PLN transfer to Poland can start from 15 minutes after ATM24 checks the IBAN, card route, and receiving bank. PKO Bank Polski, Santander Bank Polska, Alior Bank, mBank, recipient-name match, and bank response can affect timing. The manager confirms the expected time before payment. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For Poland, ATM24 calculates PLN transfers with a fee starting from 0.9%. IBAN, PKO Bank Polski, Santander Bank Polska, Alior Bank, or mBank details are checked before payment so the recipient's PLN amount is clear. The sender should also consider separate card-issuer or bank-transfer fees. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
Yes, the sender can pay by an available card, bank transfer, USDT, or another confirmed method while the recipient receives PLN in Poland. ATM24 checks the IBAN or card route through PKO Bank Polski, Santander Bank Polska, Alior Bank, mBank, or the selected bank. Foreign transaction fees, bank-transfer costs, and network fees are separate from the PLN payout amount. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For Poland, the minimum PLN transfer through ATM24 starts from 100 USD or the equivalent. The maximum amount depends on the IBAN or card route, bank review, sender payment method, and recipient details. PKO Bank Polski, Santander Bank Polska, Alior Bank, or mBank routes are checked before payment for large transfers. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For a large PLN transfer to Poland, ATM24 checks the IBAN route, bank screening, recipient name, and payment purpose. PKO Bank Polski, Santander Bank Polska, Alior Bank, and mBank may require sender ID or source-of-funds details for larger amounts. The checklist is confirmed before payment. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
For a 1000 USD transfer to Poland, the PLN amount is calculated through the current IBAN or card route: 3,610.86 PLN. PKO Bank Polski, Santander Bank Polska, Alior Bank, and mBank routes can differ. ATM24 confirms the fee from 0.9%, exchange conditions, and final PLN payout before payment. Bank-route examples for Poland: PKO Bank Polski, Santander Bank Polska, Alior Bank S.A, BNP Paribas Bank Polska S.A, and mBank S.A.
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