Send Money from Thailand to Poland
Senders on this route hold US dollars in Thailand and need money in a Polish bank account. The payout is made in euro rather than zloty, credited on a PL IBAN at PKO Bank Polski, Bank Pekao, mBank or another Polish bank. Poland belongs to SEPA despite keeping the zloty as its currency, and that membership is what allows a euro credit to land in a Polish account.
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A dollar balance in Thailand, a euro credit on a Polish IBAN
The senders here earn US dollars while living or trading in Thailand. Freelancers in Bangkok invoicing abroad, professionals on a foreign payroll, people supporting relatives or students in Poland, and Thailand-based companies paying Polish developers and agencies all draw on the same dollar balance.
Grey sends from dollars and from nothing else. The USD account is provided by Lead Bank with US routing and account numbers attached, so clients, employers and platforms abroad pay into it directly. You convert that balance into euro in the app, see the rate, the fee and the euro total before confirming, and the rate holds once confirmed.
Be clear with your recipient about what arrives, because the currency catches people out. The credit is in euro, and the figure their app displays will be a euro figure, not a zloty one. PKO Bank Polski, Bank Pekao and mBank take the credit on an IBAN that begins PL, and other Polish banks do the same. Where the account itself is a euro account, and plenty in Poland are, no exchange takes place anywhere. If the recipient wants zloty instead, their own bank performs that exchange at its own rate, and holding the euro costs them nothing.
How to send money to Poland from Thailand
Sign up
Open your Grey account in the app and complete identity verification using a passport or another accepted photo document. Grey Inc is registered with FinCEN, registered address 651 N Broad St, Suite 206, Middletown, DE 19709, United States.
Fund
The Grey USD account, provided by Lead Bank, arrives with US routing and account numbers attached. Pass them to whoever settles your invoices or salary, or wire dollars in from a dollar account held at another bank. The euro for Poland is bought from that balance.
Send
Select Poland and enter the IBAN beginning PL in the Grey app, which is the only account detail needed. Review the euro amount, the rate and the fee, then confirm to hold the rate.
What a transfer to Poland costs
Cost comes from two sources and only one of them carries a label. There is the stated fee, and there is the gap between the quoted rate and the market rate, which is where a provider offering transfers at no charge is usually making its money. The advertised number alone will not tell you which service is cheaper.
Compare the euro figure that is promised. Send the same dollars through Grey and through whichever alternative you were considering, then read what each undertakes to credit to the Polish account. That one figure contains the fee and the margin together.
Then account for the step that is not Grey's. If your recipient asks their bank to turn the euro into zloty, that bank decides the rate and the charge. Ask them what their bank does before treating the euro figure as final, especially on a larger payment where the difference is worth knowing in advance.
Where the dollar to euro rate is fixed, and where it is not
Grey fixes the dollar to euro rate at the moment of confirmation. The market moves on afterwards, and the euro amount from the confirmation screen is still the amount credited to the Polish IBAN.
One conversion is Grey's, and it goes from your dollars into euro. Since you are already holding dollars, there is nothing to exchange beforehand, so the transfer carries a single rate and a single margin rather than two built one on the other.
A second conversion is possible and belongs to the receiving bank. Where the recipient wants zloty, their Polish bank sets both the rate and the cost of changing the euro, and Grey neither performs that exchange nor makes any claim about what it will cost. Accounts that hold euro directly avoid the question altogether, which is worth establishing before the first payment.
How Grey compares with an ordinary bank wire to Poland
A conventional wire to Poland travels through correspondent banks, and each one brings its own cut-offs, working days and deductions, which frequently only become apparent when the recipient counts what landed. Grey sends out of a dollar balance you already hold and credits the PL IBAN in euro, so the amount agreed at confirmation is the amount the recipient should find.
There is also less to gather beforehand. A wire asks for intermediary banks and extra routing fields; here the IBAN carries the payment on its own, over the SEPA network that Polish banks already sit inside. The transfer stays visible in your app from confirmation onwards, instead of vanishing into a chain you have no sight of.
What your recipient in Poland sees
They receive a euro credit at the Polish bank they already use. Nothing is signed up for, nothing is installed, and there is no counter to attend.
Which accounts receive it
Type in the Polish IBAN and the euro is paid to that account. PKO Bank Polski, Bank Pekao and mBank are supported, together with other banks in Poland.
How it lands
The payment travels on SEPA, the network that lets euro reach a Polish bank account in the first place. How soon it posts rests with the receiving bank, and the status stays visible in your Grey app throughout.
GreyTag
Where your recipient also uses Grey, send to their GreyTag instead. Transfers between Grey users settle instantly and carry no fee, in whichever currency you both prefer.
How to fund a transfer to Poland
Funding comes before sending because the euro is bought with dollars already standing in your Grey account, and the way those dollars arrive decides when Poland can be paid.
Client and employer payments
Supply the Grey USD account details once and every payment from then on arrives in Grey with no further step from you.
Dollar wire
Take the routing and account numbers from the app and wire dollars across from another bank holding a dollar account in your name.
Existing Grey balance
Dollars already with Grey convert on request, so a euro payment can be sent as soon as the rate on screen suits you.
Most senders here keep a working balance rather than funding payment by payment. Polish rent, school costs and supplier invoices fall due on dates that do not line up with when clients pay, and dollars already sitting in Grey mean the euro can go out on the day it is wanted.
Who sends money from Thailand to Poland
Freelancers and remote workers
Developers, designers and consultants living in Thailand who bill clients abroad in dollars and settle commitments in Poland from the same balance.
Professionals on a foreign payroll
Residents of Thailand employed by a company elsewhere and paid in US dollars, directing a share of that pay to a Polish account each month.
Families and students
People in Bangkok, Chiang Mai and Phuket supporting a relative, paying a student's rent or covering household costs in Poland from dollar income.
Businesses paying Polish contractors
Firms in Thailand settling Polish developers, studios and suppliers, often grouping several invoices into a single run of payments.
This route is used by people and companies in Thailand whose income is in US dollars. Freelancers and remote workers form the largest group, followed by foreign-payroll professionals, family senders and Thai-based firms paying Polish suppliers.
The best way to send money from Thailand to Poland
A global money app you can actually trust
Encryption of bank-grade strength protects what you hold, every payment is traceable from the point you confirm it, and support answers within the app itself. If a euro credit to Poland looks wrong, you raise it there and follow the response through until it is settled.
FAQs
How much does it cost to send money from Thailand to Poland?
Both the rate and the fee appear on screen ahead of confirmation. Compare the euro total credited, and ask what the recipient's bank charges for zloty.
Does my recipient receive zloty or euro?
Euro. What shows in their banking app is a euro figure rather than a zloty one, and their own bank converts it if asked.
Why does a euro payment work for a Polish account?
Poland belongs to SEPA despite using the zloty, and that membership is what lets a euro credit arrive in a Polish bank account.
What details do I need to send money to Poland?
The recipient's IBAN beginning PL. It is the only account detail you enter, and nothing else is asked for.
Which banks in Poland can receive the money?
PKO Bank Polski, Bank Pekao and mBank are among those supported, and other Polish banks receive the credit on an IBAN too.
What does converting to zloty cost?
That is the receiving bank's transaction at its own rate, so Grey cannot quote it. Ask your recipient to check with their bank.
Is there a limit on how much I can send?
Limits reflect the verification completed on your account, and the app shows the amount available to you before any transfer is confirmed.
Can I track the transfer after sending it?
Yes. It appears in your Grey activity as soon as you confirm, and the status is updated until the euro reaches the account.
Is it safe to send money to Poland through Grey?
Grey Inc is registered with FinCEN, verifies every account holder, and keeps balances and transfers behind bank-grade encryption.
How do I get dollars into my Grey account?
Through payments from clients or an employer into your Grey USD details, a dollar wire from another bank, or an existing Grey balance.
What if I enter the wrong IBAN?
Contact Grey support in the app without delay. What can be retrieved depends on the receiving bank, so check the IBAN carefully first.
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