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Send money to Poland from Singapore
Polish engineers and IT professionals work across Singapore's automotive supply chains and tech sector. Transfers to Poland cover a Warsaw flat mortgage in zloty, monthly support to parents in Krakow, or school fees for children in Gdansk.
Grey receives your salary in USD. Convert to PLN and send to PKO Bank Polski, mBank, Bank Pekao, or any Polish bank. The exchange rate and fee appear separately before you confirm.
PKO Bank Polski and mBank process incoming transfers within minutes. Your recipient does not need Grey. The zloty credit appears as a standard domestic payment.
Grey is FinCEN-registered. Over 3 million users across 80+ countries. Financial technology company, not a bank. End-to-end encryption on every transfer.
Every transfer is protected with bank-grade encryption and tracked end-to-end. Grey Inc is a financial technology company, not a bank. Banking services are provided by licensed banking partners.
How to send money to Poland from Singapore
Sign up
Open a Grey account in under 5 minutes. You need a valid passport or Singapore NRIC. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
Your Grey account comes with US banking details. Share them with your employer for salary or with clients for invoices. Money lands in your Grey balance. That is what you send from.
Send
Enter the Polish IBAN. Check the USD-to-PLN rate and fee. Confirm. PLN typically arrives at PKO or mBank within minutes.
What it costs to send to Poland
Grey charges a conversion fee and applies a rate close to mid-market on USD to PLN. Both visible before confirmation. PKO Bank Polski does not deduct from incoming credits.
SWIFT from Singapore to Poland: SGD 20 to SGD 40 plus a rate margin that is typically wider on PLN than EUR. Delivery takes 2 to 4 business days. Grey delivers in minutes.
The right comparison: enter the same SGD on each service. Check the PLN amount at PKO Bank Polski. The service delivering more zloty for the same dollars is the cheaper option.
Grey locks the rate at confirmation. The local currency amount your recipient receives does not change between when you send and when it arrives.
The USD to PLN rate on your Poland transfer
The PLN is less liquid than EUR, which means provider rate margins are wider. Grey applies a rate close to mid-market and locks it at confirmation. The PLN amount does not change after you send.
PKO Bank Polski and mBank credit transfers within minutes during European hours.
For a Warsaw mortgage requiring a precise PLN figure by a specific date, the rate lock means you confirm knowing the exact USD cost. No surprises when the credit lands.
Grey vs bank wire to Poland
SWIFT from Singapore to Poland: 2 to 4 business days with fees and a wide PLN rate margin. Grey: minutes, with the PLN amount shown before you send.
For monthly mortgage payments, SEPA timing via Grey means sending the day before and it arrives same day.
What your recipient sees in Poland
A standard credit in their Polish bank account in zloty. No Grey app needed. No cash pickup. No registration.
Bank delivery
Grey delivers PLN to PKO Bank Polski, mBank, Bank Pekao, ING Bank Slaski, Santander Polska, and every Polish bank.
Arrival time
PKO and mBank credit transfers within minutes. Poland has strong domestic payment infrastructure.
GreyTag
If your recipient in Poland uses Grey, GreyTag delivers instantly at no cost.
How to fund your transfer
Salary lands in Grey from your Singapore employer. Converting to PLN and sending to Poland takes under 2 minutes in the app.
Payroll
Set up employer payroll once. Grey receives salary every cycle. Poland transfers always ready.
Wire
Wire USD from any Singapore bank. Available for Poland transfers once cleared.
Existing balance
USD in Grey? Convert to PLN and send right now. No deposit needed.
Polish engineers in Singapore who maintain a Warsaw mortgage often send on a fixed monthly schedule. Grey saves the IBAN for quick repeat payments without re-entering details.
Who sends from Singapore to Poland
Family
Monthly support to parents in Krakow. Household bills, medication, grandchildren's school supplies.
Mortgage
Warsaw flat mortgage in zloty. Precise PLN amount by a specific monthly deadline.
Business
Polish automotive engineers paying suppliers, contractors, or service providers in Poland.
Education
School fees at Polish universities or private schools. Fixed PLN amount by enrollment deadline.
Polish professionals in Singapore send for Warsaw flat mortgages in zloty, monthly support to parents in Krakow, school fees in PLN, and business payments to Polish suppliers. The amounts are precise and the schedule is mostly monthly.
Best way to send money to Poland
FAQs
How do I send money from Singapore to Poland with Grey?
Your Grey USD balance, funded by employer payroll or USD wire, converts to PLN and delivers via SEPA to your recipient's bank account in Poland. Enter their IBAN, confirm the USD-to-PLN rate and fee, and send. Transfers typically arrive within minutes.
What is the USD to PLN rate today?
The current USD-to-PLN rate is shown in the Grey app before you confirm. The rate at confirmation is the rate applied.
How long does a transfer from Singapore to Poland take?
Transfers from a funded Grey balance to Poland arrive via SEPA, typically within minutes. SEPA Instant settles in under 10 seconds where supported.
Which banks in Poland does Grey support?
Grey delivers to PKO Bank Polski, Bank Pekao, mBank and all other banks that accept SEPA transfers in Poland. Enter your recipient's IBAN in the Grey app.
Does my recipient in Poland need a Grey account?
No. The transfer arrives as a standard SEPA credit to their Poland bank account. No Grey account required.
What is SEPA and how does it work for Singapore-to-Poland transfers?
SEPA is the European payment network for EUR transfers. Grey uses SEPA to deliver USD-to-PLN transfers to Poland. Credits arrive directly in recipient bank accounts, typically within minutes.
What is the fee for sending money from Singapore to Poland?
The conversion fee and USD-to-PLN rate are both shown in the Grey app before you confirm. No additional charges apply after confirmation.
Is Grey cheaper than Singapore bank SWIFT transfers to Poland?
Singapore bank SWIFT transfers to Poland carry fees of SGD 20 to SGD 40 plus a 2 to 4 percent exchange rate margin and take 2 to 4 business days. Grey uses SEPA, which is faster and more cost-transparent for bank delivery to Poland.
Can I track my transfer to Poland?
Yes. Grey shows transfer status in the app and sends a notification when funds arrive in your recipient's account in Poland.
Can I cancel a transfer to Poland?
Transfers can be cancelled before processing. Once sent via SEPA, transfers typically cannot be reversed. Contact Grey support via the app immediately if you need to cancel.
What are the transfer limits for sending from Singapore to Poland?
Limits vary by verification level and are shown in the Grey app. Completing full verification increases your send limit for all corridors.
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