In Poland, a transfer from the U.S. can be collected four ways: złoty delivered home by a letter carrier, U.S. dollars at a PKO Bank Polski branch, złoty at Polish Post or Bank Pocztowy, or a deposit to a bank account. The recipient shows ID at payout.
The payout option is chosen by the sender in the U.S., and that one choice decides whether your family in Poland gets złoty or dollars, in hand or in the bank.
Here are answers to the questions families ask most often when they send money to Poland with U.S. Money Express Co.
What are the ways to receive money from the U.S. in Poland?
There are four payout options:
- Złoty in cash, delivered home – a letter carrier from Polish Post (Poczta Polska) brings the money to the address the sender provides.
- U.S. dollars in cash – at the PKO Bank Polski branch the sender selects, and also at locations of banks in the Contact network.
- Złoty in cash, picked up – at any Polish Post location or Bank Pocztowy branch.
- Bank deposit – to an account at any bank in Poland held in złoty, dollars or euros.
The option is set when the transfer is sent, so ask the recipient first what suits them.
Who benefits most from home delivery by a letter carrier?
Mainly older parents and anyone who lives far from a bank or post office. The recipient does not have to go anywhere: the letter carrier brings złoty to the address on the transfer, and the recipient shows ID to receive it.
This service is available only in Poland and only in złoty. According to the company, it is offered in PLN exclusively by US Money Express. Before you send, make sure the address is complete and current, apartment number included, and let the recipient know the money is on its way.
Where can the recipient pick up U.S. dollars in cash?
At the PKO Bank Polski branch the sender names when ordering the transfer. Banks in the Contact network also pay out dollars. According to the company, express cash transfers are “paid out the next business day,” and it calls this its most popular service.
Can złoty be collected at a post office or bank?
Yes. Any Polish Post location and any Bank Pocztowy branch pays out złoty in cash. It is a practical choice for someone who passes the post office anyway and would rather pick up the money on their own schedule than wait at home for the letter carrier.
How does a deposit to a Polish bank account work?
The money goes to an account at any bank in Poland, whether it is held in złoty, dollars or euros. All you need is the account number in IBAN format; no SWIFT code is required.
Just make sure the currency you send matches the account currency. Otherwise the recipient’s bank will convert the money at its own rate. We cover this in more detail in our guide to bank deposits, IBAN numbers and account currency.
What does the recipient need at payout?
The recipient shows ID and should know the payout location and the transfer number. Both are printed on the Transfer Receipt the sender gets after sending the money, and it is the sender who passes them on. Sending them in writing, for example by text message, is safer than reading digits out over the phone.
Can I send money to myself before a trip to Poland?
Yes. If you are heading to Poland on vacation, you can send a transfer to yourself and collect the money once you arrive, using the payout option you choose.
For questions about transfer types and payout locations, call the toll-free number 1-888-273-0828, visit the Greenpoint office (167 Greenpoint Ave, Brooklyn, tel. 718-349-1320) or the main office in Chicago (5395 N. Milwaukee Ave, tel. 773-774-8787). Transfers can also be sent online at online.usmoneyexpress.com.
Services and contact details are listed in the U.S. Money Express Co. profile in the Polish Pages directory.
About U.S. Money Express Co. — a money transfer company operating in the USA since 1993 and in Canada since 2008. Main partner in Poland: PKO Bank Polski S.A. Licensed in: NY, NJ, CT, PA, AZ, DE, FL, IL, MA, MI, OH, WI. NMLS ID# 918711.
This guide is for informational purposes only. For current fees, exchange rates and service terms, use the U.S. Money Express Co. fee calculator or call 1-888-273-0828.
PKO Bank Polski, Poczta Polska (Polish Post), Bank Pocztowy and Contact are trademarks of their respective owners. All trademarks belong to their respective owners. Polish Pages is not affiliated with or endorsed by these companies.
