Europe & Central Asia · GDP rank #21
Poland
PL · PLN @ 0.2734/USD
Tab 05
Cross-border
Inbound and outbound remittance corridors, tourism flows, FX markup on retail cross-border, and the country's posture on stablecoin adoption. Corridor figures come from the World Bank RPW feed or the publishing central bank; both are cited when they disagree.
Reported inbound corridors
4 corridors
Reported outbound corridors
2 corridors
Avg. consumer FX markup
Trend · compressing
Top inbound corridors
- Germany$3.2B
via SEPA Credit Transfer + Wise + Revolut · 1.4% cost
- United Kingdom$2.1B
2.3% cost
- Netherlands$1.1B
1.6% cost
- Ireland$600.0M
1.7% cost
Top outbound corridors
- Ukraine$2.2B
via PKO BP corridor, Western Union, WorldRemit, MoneyGram · 3.8% cost
- Belarus$300.0M
4.2% cost
FX cost
What consumers pay above the interbank
Retail FX markup is the spread between the mid-market rate and the rate the consumer receives — the single largest friction point in small-ticket cross-border.
Revolut Poland + Wise + Kantor Walutowy (currency-exchange chain) have materially compressed retail FX costs; Revolut Polska has over 3m customers.
Consumer FX markup vs 3% ceiling
Benchmark 3% is the G20 target for average remittance corridor cost; above the mark is expensive by policy standard.
Trend · compressing
Narodowy Bank Polski (NBP)
MiCA applicable in Poland from June 2024; KNF is the competent authority; first Polish-licensed CASP authorisation Q1 2026.