A U.S. transfer can go to an account at any Polish bank held in złoty, dollars or euros. Only the IBAN is needed, no SWIFT code. The most common mistake is sending a currency that does not match the account: the recipient’s bank then converts it at its own rate.
A bank deposit works well when the recipient in Poland has an account and does not need cash. The money does not wait at a counter; it goes straight into the recipient’s account.
To make sure it arrives in the currency and amount you planned, a few details matter. Here are answers to common questions about deposits sent from the U.S. with U.S. Money Express Co.
What details do I need to send money to a Polish bank account?
The recipient’s account number in IBAN format, plus their first and last name and address. For transfers sent online, you also enter the purpose of the transfer, which is required for European countries.
The account can be at any bank in Poland. It does not have to be the company’s partner bank.
Do I need a SWIFT code?
No. With U.S. Money Express, the account number in IBAN format is enough. You do not need to look up or enter a SWIFT code.
Which currency should I send?
The same currency the recipient’s account is held in: złoty (PLN) for a złoty account, U.S. dollars (USD) for a dollar account, euros (EUR) for a euro account.
The recipient may have several accounts in different currencies, each with its own number. Before your first deposit, ask the recipient not just for the account number but also for the account currency.
What happens if the currency does not match the account?
The recipient’s bank converts the money at its own rate. If you send dollars to a złoty account, for example, the bank in Poland does the conversion on its own terms, not at the rate set when you sent the transfer. The recipient may end up with a different amount than expected.
Amount to send or amount to receive: which should I enter?
At online.usmoneyexpress.com you can enter either one. Use the amount to receive when the recipient has to pay a specific sum in Poland, such as a bill. Use the amount to send when you work with a set budget in dollars.
Either way, check the fee in advance with the fee calculator or by phone.
What are the most common mistakes with deposits to Poland?
- A currency that does not match the account – the result is a conversion at the recipient bank’s rate.
- A typo in the IBAN – it happens when numbers are read out over the phone. Ask the recipient to send the number in writing, for example by text message, copied from a statement or banking app.
- The wrong account – for example, the złoty account instead of the foreign-currency one.
- Mixing up the amount to send and the amount to receive – double-check which one you are entering.
- Forgetting the credit card fee – a credit card issuer may treat the payment as a cash advance and charge its own fee.
What if I notice a mistake after sending?
An online transfer can be canceled under Transfer History by clicking Cancel, for at least 30 minutes after it was issued. After that, cancellation is possible only if the money has not yet been paid out or deposited, so if in doubt, call 1-888-273-0828 right away. Track the status under Transfer History and keep your receipt with the transfer number. Other payout options are covered in our guide to collecting a transfer in Poland.
Deposits can be sent online, through an agent or by mail. Greenpoint office: 167 Greenpoint Ave, Brooklyn, tel. 718-349-1320; main office in Chicago: 5395 N. Milwaukee Ave, tel. 773-774-8787. Services 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 is a trademark of its owner. All trademarks belong to their respective owners. Polish Pages is not affiliated with or endorsed by these companies.
