Coinepay | How to Send Money to Poland from the United Kingdom

You can send money from the United Kingdom to Poland with Coinepay Global Remittance. Before starting, set up a verified account and ask your recipient how they want to receive the money. This guide explains the details commonly needed for a Polish bank deposit, how to check other payout options, and what to do if a transfer needs attention.

What you need before sending

Register for Coinepay and complete identity verification before using the transfer service. You can manage your transfer in the Coinepay app or 24/7 self-service dashboard. If you have not registered, create an account; you can also get the app for iOS or Android.

Ask the recipient for their full legal name, written as it appears on their bank account, wallet account or identity document, as applicable. You will also need the details for the payout method you select. For a bank deposit, ask for the Polish account IBAN. Depending on the transfer route and the fields shown in Coinepay, you may also need the bank’s SWIFT/BIC, bank name, address or a description of the transfer’s purpose. Obtain these details from the recipient rather than guessing from an old payment record.

Use your real identity and accurate information about the payment. Transfers are subject to identity verification, sanctions screening and local regulations. Coinepay may request documents explaining the purpose of a transfer or the source of funds. It does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions.

Choose how the recipient will receive the money

Poland’s local currency is the Polish złoty (PLN). When you set up a transfer, check the currencies and payout methods offered for your particular payment in Coinepay before confirming. The recipient details you need depend on the method you choose.

Bank account deposit

For a deposit into a Polish bank account, get the recipient’s full account name and Polish IBAN. A Polish IBAN has 28 characters: PL followed by the 26 digits of the domestic account number, known as the NRB. The NRB includes check digits, an eight-digit bank sort code and a 16-digit account number. Because the bank sort code is embedded in the IBAN, do not substitute a UK sort code or another country’s routing number.

For an international payment routed through SWIFT, the recipient’s bank SWIFT/BIC may also be needed. If Coinepay asks for a separate local bank code, bank name, bank address or transfer purpose, confirm the requested information with the recipient or their bank. Requirements vary by payment route; complete the fields shown for your selected payout rather than assuming every bank transfer needs the same codes. The recipient should check that the account can receive the chosen currency and ask their bank about any receiving-side requirements.

Mobile wallet

Coinepay supports mobile-wallet payouts as a remittance method. Check the Coinepay transfer screen for any wallet option offered for your UK-to-Poland transfer; do not assume a particular wallet is available. If one appears, ask the recipient to confirm that they have an active, eligible wallet account. Enter the wallet identifier requested in the app, such as the registered phone number, and use the recipient name associated with that account. Check with the recipient that the number and account details are current before you confirm.

Cash pickup

Cash pickup can be useful when the recipient would rather collect funds than receive a bank deposit. Select cash pickup in Coinepay if it is offered for your transfer, and review the available collection instructions before paying. The recipient will generally need a valid identity document matching the name you entered and the collection information provided for the transfer. Tell them to check the stated pickup location’s requirements before travelling. Do not send a transfer in someone else’s name simply because they can visit a pickup point.

How to send money from the UK to Poland

Sign in to your verified Coinepay account. Open Global Remittance in the app or dashboard and start a new transfer. If verification or additional information is requested, complete it using your real details.
Choose Poland and your currencies. Select the United Kingdom as the sending location and Poland as the destination. Enter the amount and choose from the currencies offered for the transfer. If the recipient needs złoty, check that PLN is selected for receipt.
Choose the payout method and enter recipient details. Select bank deposit, mobile wallet or cash pickup from the options displayed. Enter the recipient’s full legal name and the account, wallet or pickup details requested. For a Polish bank deposit, compare the IBAN character by character with the details supplied by the recipient; add a SWIFT/BIC or other bank information if the form asks for it.
Review before confirming. Coinepay shows the exchange rate and fees before you confirm a transfer. Check the sending amount, receiving amount, payout currency, recipient name and destination details. If anything is wrong, go back and correct it rather than confirming and hoping it can be changed later.
Confirm and track the transfer. Submit the transfer when the details are correct. Follow its status in the Coinepay app or dashboard, and keep the transfer reference and any collection instructions available for the recipient when relevant.

If you cannot see the payout method or currency you need, check the current options in the app or contact Coinepay support before sending. Availability and requirements can depend on the payment route and local regulations.

What the recipient should check in Poland

For a bank deposit, the recipient should verify their name and IBAN directly from their bank account information. They should also check whether their bank needs to know the expected currency or purpose of an incoming international payment. A bank may ask for identity or source-of-funds information during its own checks. For a wallet payout, the recipient should confirm that the wallet account details match those entered. For cash pickup, the name on their identity document should match the transfer information, and they should follow the collection instructions shown for that payment.

An incoming transfer is not automatically treated the same way for tax purposes in every situation. For example, a gift may be subject to Polish gift-tax rules, while moving your own money raises different questions. A Polish tax resident’s income may need to be considered for Polish tax purposes even if it was earned abroad. If the payment is a gift or business income, the recipient should check the applicable Polish rules or seek qualified tax advice. Polish financial institutions also have reporting obligations for qualifying transactions; this does not mean every recipient must make a separate declaration merely because money arrived.

Troubleshooting a UK-to-Poland transfer

Wrong recipient name or payout details: If you have not confirmed the transfer, correct the information on the review screen. If you have already confirmed it, check the transfer status and contact Coinepay support promptly with the reference. An incorrect name or account number can cause a receiving bank to reject and return a payment. Do not assume a confirmed transfer can be edited.
Compliance review: Respond to requests for identity documents, the payment purpose or evidence of the source of funds through the appropriate Coinepay process. Provide accurate documents and wait for the review outcome; do not send another payment to bypass a check.
Transfer taking longer than expected: Look at status tracking first. Weekends, public holidays, the time taken for the sending payment to reach the provider, security checks and recipient-bank processing can affect arrival. Ask the recipient to check with their bank or payout provider if Coinepay shows the funds have reached the receiving stage.
Returned or rejected transfer: Check the status and any reason provided, then confirm the recipient’s details with them before starting a new transfer. A receiving bank may reject a payment even when the entered details appear correct. Contact Coinepay support if the reason or next step is unclear.

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FAQ

What bank details do I need to send money to Poland?

Get the recipient’s full legal account name and Polish IBAN. A SWIFT/BIC, bank details or transfer purpose may also be required, depending on the route and the fields shown in Coinepay.

What is the format of a Polish IBAN?

It has 28 characters: PL followed by the 26-digit domestic account number, or NRB. The Polish bank sort code is included within that number.

Can my recipient get the money in Polish złoty?

Poland’s local currency is PLN. Check the available receiving currencies and the amount shown in Coinepay before confirming your transfer.

What if I entered the wrong Polish account details?

Correct them before confirming if possible. If you have already confirmed, check the transfer status and contact Coinepay support promptly with your transfer reference.

How to Send Money to Poland from the United Kingdom