Send money to Poland from Ireland
Grey sends euro from your Irish balance into a Polish bank account through SEPA. PKO Bank Polski, Bank Pekao and mBank all accept it. What lands is a euro credit, not zloty, and your recipient's own bank converts it if they want zloty. The fee is on screen before you confirm.
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Euro leaves Ireland and euro lands in Poland
Grey does not convert to zloty on this corridor. You hold euro in Ireland, euro travels to Poland through SEPA, and a euro credit appears in your recipient's account. If they want zloty, their own Polish bank converts it, at that bank's rate on the day it lands. That is the whole mechanism, and it is worth knowing before you send rather than after.
Who it genuinely suits: a recipient who already holds a euro account in Poland, which is common among people who have worked abroad. A Polish contractor or agency invoicing an Irish company in euro. A euro mortgage or a euro savings pot. Anyone putting money aside rather than spending it this week, where sitting in euro is fine or even preferred. And larger, less frequent sums, where one conversion at the Polish end covers more ground than twelve small ones.
Who it does not suit, said plainly: if the person receiving it needs an exact zloty figure, down to the grosz, for rent or a bill due on a fixed date, this corridor cannot give you that. The number that decides the outcome is your recipient's bank spread, and Grey cannot show you that number. If that is your situation, ask them what their bank charges to convert a euro credit before you commit to it.
The Polish community in Ireland is the largest of any non-Irish nationality and it is not only a Dublin story. There are Polish families in Drogheda, Dundalk, Ennis, Athlone, Cork and Letterkenny, many of them a decade or more settled. Enough of them keep a euro account at home that this corridor works well. Enough of them do not that the paragraph above exists.
Sending to Poland in three steps
Sign up
Opening it costs nothing and takes about five minutes, long before you need the Polish IBAN in front of you. You verify with a valid identity document, such as an Irish passport or driving licence.
Fund
Move euro into your Grey balance by SEPA transfer from AIB, Bank of Ireland, Permanent TSB, An Post Money or your credit union. The balance sits in euro until you send it.
Send
Enter the Polish IBAN, the one beginning PL. Check the fee on the confirmation screen. Send, and the euro credit goes out through SEPA.
What it costs to send euro to Poland
The second cost sits outside Grey entirely, and pretending otherwise would not survive contact with your recipient. If they convert the euro to zloty, their Polish bank applies its own rate and may charge for the conversion. PKO Bank Polski, Bank Pekao and mBank each set their own terms, and none of them publish those terms through Grey.
So the useful thing to do is a phone call, not a calculation. Ask whoever receives the money what their bank charges to convert an incoming euro credit. If the answer is reasonable, send larger sums less often so that spread applies once instead of monthly. If the answer is bad, ask whether they can open a euro account at the same bank, because many Polish banks offer one and it removes the conversion from the picture altogether.
How the rate works when both ends are euro
There is no Grey euro to zloty rate on this page, because Grey never touches zloty here. Ireland is in the eurozone, Poland is in SEPA, and the euro amount you confirm in Dublin is the euro amount credited in Warsaw. Nothing moves between those two points. The number to ask about is your recipient's bank rate, and that conversation belongs with them.
A rate does appear if you fund from another currency you hold with Grey. If you keep a USD balance, provided by Lead Bank, or a GBP balance, and you convert it to euro before sending, that conversion happens once inside Grey. The rate and the fee are both shown before you confirm, and the rate is fixed at the moment you confirm. Irish contractors invoicing US clients in dollars use that route regularly.
Grey against a SEPA transfer from your Irish bank
AIB, Bank of Ireland and Permanent TSB will all send euro to a Polish IBAN, and on a corridor with no conversion the comparison is narrower than usual. It comes down to what the transfer costs, whether you can see that cost before you commit, and whether you can follow the payment afterwards. Grey shows the fee on the confirmation screen and tracks the transfer from confirmation to settlement. Plenty of people in Ireland already have Revolut on their phone as well, and this is not an argument about which app you keep. What Grey adds alongside the transfer is a euro balance you can hold, a virtual Mastercard, and GreyTag, which is free and instant if the person in Poland also uses Grey.
What your recipient sees in Poland
A euro credit arrives in their Polish bank account, through SEPA, the same way any incoming European payment appears. They need no Grey account and no app. If they want zloty, they convert it themselves at their own bank.
A euro credit to the Polish IBAN
PKO Bank Polski, Bank Pekao and mBank all receive it. You enter the IBAN beginning PL in the Grey app, and the credit shows in euro on their statement.
SEPA and SEPA Instant
Poland is inside SEPA even though it uses the zloty, which is exactly why a euro credit reaches a Polish account at all. Transfers from a funded balance typically arrive within minutes.
GreyTag if they are on Grey
Where the person in Poland also holds a Grey account, GreyTag sends to their tag instead. It is free, instant, and sidesteps the receiving bank entirely.
Ways to put money into your Grey account
Most people sending to Poland from Ireland settle into one routine and keep it. These are the three that work.
Standing transfer after payday
Set a euro transfer from your Irish current account for the day after wages land. The balance is ready before the Polish end needs it, rather than on the same afternoon.
One larger top up
Fund a quarter at a time and send from the balance. Fewer transfers into Grey, and on this corridor fewer conversions at the Polish end too.
Income paid into Grey
If a client pays you in USD, into the balance provided by Lead Bank, or in GBP, that money is already inside Grey and converts to euro when you choose.
Save the Polish IBAN in the app the first time you use it. Every transfer after that is an amount and a confirmation, which matters when the same payment goes out on the same date every month.
What people send from Ireland to Poland for
Money home to parents
A monthly amount to a mother or father who stayed. Often the recipient is retired, keeps a euro account from their own working years abroad, and converts a little at a time.
A flat or a mortgage in Poland
Keeping up payments on a property in Krakow or Gdansk while working in Cork or Galway. Housing costs, service charges, and the small bills that arrive whether or not anyone is living there.
Invoices from Polish suppliers
Irish firms buy a lot of software, engineering and manufacturing work from Poland, and much of it is invoiced in euro. A euro credit against a euro invoice is the cleanest case on this corridor.
Weddings, funerals and family events
The payments that will not wait. A deposit on a hall, a share of a funeral, a contribution from the Irish half of a family who cannot travel home in time.
The reasons are steady rather than dramatic. Someone in Ireland has an obligation in Poland, and it comes round again next month.
Why send to Poland with Grey
This page leads with the thing most pages about Poland bury: the payout is a euro credit and not zloty. That choice is deliberate. A reader who finds it out at the Polish end does not come back, and a transfer service that survives on people not reading closely is not worth building.
If euro at the Polish end suits your situation, this is a clean corridor with no conversion in the middle, a fee you can see, and a payment you can follow. If it does not suit you, you now know that before you have sent anything, which is the point.
FAQs
Will my recipient in Poland receive zloty?
No. A euro credit arrives in their Polish account and their own bank converts it to zloty if they want it, at that bank's rate.
Which Polish banks accept a euro credit from Grey?
PKO Bank Polski, Bank Pekao and mBank all receive euro through SEPA. You enter the recipient's IBAN, the one beginning PL, in the app.
Is there an exchange rate on an Ireland to Poland transfer?
Not on Grey's side. Ireland and the credit are both euro, so nothing converts until your recipient's Polish bank converts it.
Who should not use this corridor?
Anyone whose recipient needs an exact zloty figure for a bill on a fixed date, because the converting bank's spread decides that number, not Grey.
Can I pay a Polish supplier who invoices in euro?
Yes, and it is the cleanest case here. A euro invoice is settled by a euro credit with no conversion anywhere in the chain.
How long does a euro credit from Ireland take to reach Poland?
Transfers sent from a funded Grey balance typically arrive within minutes through SEPA, and Poland sits inside SEPA despite using the zloty.
Does my recipient in Poland need a Grey account?
No. The euro lands in their existing bank account as an ordinary incoming credit. They install nothing and sign up for nothing.
How do I fund my euro balance from AIB or Bank of Ireland?
Send a standard euro SEPA transfer to your Grey account details. Permanent TSB, An Post Money and credit unions work the same way.
Can my recipient avoid the conversion charge in Poland?
Often yes, by holding a euro account at their Polish bank. Many offer one, and the euro credit then lands with nothing to convert.
Can I send zloty if I hold another currency with Grey?
No. Whatever you hold, USD provided by Lead Bank, GBP or euro, the payout into Poland is a euro credit through SEPA.
Can I track the transfer until it reaches the Polish account?
Yes. Every transfer is encrypted and trackable from the moment you confirm it until it settles in your recipient's account.
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