The HSBC EUR to PLN rate is 4.0578. This is -4.2% below the mid-rate. Compare HSBC currency conversion rates - Reduce FX costs.
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The HSBC EUR to PLN exchange rate is 4.0578. This is -4.2% compared to the latest EUR-PLN mid-market rate 4.2374.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare Euro (EUR) to Polish zloty (PLN) rates from different sources before making a conversion.
The HSBC Euro to Zloty comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by HSBC and other foreign exchange providers against the latest EUR-PLN mid-rate (see Market Data below ) and the possible savings of using various providers.
Here we review HSBC's foreign exchange services and how their exchange rates compare to FX specialist providers, compare rates and check how you can save money when you send and spend abroad.
HSBC, also known as the Hongkong and Shanghai Banking Corporation, is a multinational investment bank and financial services company based in London, UK. HSBC operates in over 60 countries and territories, including the UK, Hong Kong, China, Canada, the US, Australia, and throughout Europe, the Middle East, and Asia. The bank is well-known for its retail banking services, investment banking, and wealth management services, and has a large and diverse customer base.
In terms of foreign exchange rates, HSBC offers competitive rates for international money transfers and foreign currency exchange services. Customers can transfer money overseas in a range of currencies, and the bank offers real-time exchange rate quotes and low transfer fees. HSBC also offers foreign currency accounts and multi-currency accounts, allowing customers to hold and manage multiple currencies in a single account.
HSBC's foreign exchange rates are competitive with other major banks and financial institutions, and the bank has a strong reputation for providing reliable and secure services. However, it is always recommended that customers compare exchange rates and fees across different FX providers to ensure they are getting the best value for their money.
When you get a quote for your Global Money Transfer from HSBC on their website or in-app, you can also see the HSBC exchange rate, but it can be difficult to then calculate how much you are being charged.
HSBC does not publish their exchange rates publicly which is frustrating. However, our research shows that on average, HSBC profit margin for foreign exchange rates is somewhere between 2.8 - 7%, depending on the amount you're sending, where you're sending it to and which currency will be received.
While all banks add this mark-up, the extra amount being charged is much higher than it would be with a global money transfer specialist.
Euro (EUR) to Polish zloty (PLN) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | EUR/PLN | Change | Period |
|---|---|---|---|
30 Apr 2025 | 4.2795 | 1% ▼ | 2 Week |
13 Feb 2025 | 4.1699 | 1.6% ▲ | 3 Month |
14 May 2024 | 4.2677 | 0.7% ▼ | 1 Year |
15 May 2020 | 4.5693 | 7.2% ▼ | 5 Year |
17 May 2015 | 4.0421 | 4.9% ▲ | 10 Year |
19 May 2005 | 4.1595 | 1.9% ▲ | 20 Year |
Here are some popular conversion amounts for EUR to PLN (Euro to Polish zloty)*.
*Converted at the current EURPLN interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
Recent forecasts for the EUR to PLN exchange rate highlight a complex interplay of economic factors influencing both currencies. Despite a challenging backdrop, including tariffs imposed on EU goods and ongoing geopolitical instability due to the war in Ukraine, the euro has shown resilience, buoyed by better-than-expected economic sentiment in Germany. Analysts have noted that the euro was initially pressured by a stronger US dollar and a risk-on market mood, but data showing a recovery in German economic sentiment has provided some support.
Read our full review of recent EUR to PLN forecasts.
There are several ways to save on exchange rates when converting Euro to Polish zloty:
Generally speaking, if you are buying Polish zloty with Euro, then it's better for the EUR/PLN exchange rate to be higher.
However working against you are the fees all foreign exchange providers charge for providing their service. These fees is usually contained within the exchange rate margin (or difference to the mid-rate).
The transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.
Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.
Read our Currency guide to Poland — a practical currency and money guide to travel in Poland plus living and doing business with the Polish zloty.
It's worth noting that while these tips can help you save on exchange rates, it's important to be aware that no single method is guaranteed to provide the best exchange rate in every situation, and it may require some research and comparison-shopping to find the best option for your specific needs.
It is almost impossible to predict what an exchange rate will do in the future, the best approach is to monitor the currency markets and transact when an exchange rate moves in your favour.
To help with this you can add EUR/PLN to your personalised Rate Tracker to track and benefit from currency movements.
Rather than requiring you to set a target rate, our Rate Alerts keep you informed of recent trends and movements of currency pairs.
Add rates to your Rate Tracker and select to receive an daily email (mon-fri) or when a rate is trending
| Eurozone (EUR) | Poland (PLN) |
There is no definitive answer to this question as the cost of living in Poland will vary depending on the individual's lifestyle and location within the country. However, according to numbeo.com, the cost of living in Poland is generally 12.57% lower than in the United States.
There are many expats in Poland and they seem to enjoy the country and the people. The cost of living is relatively low, and there are plenty of things to do and see.
There are no specific laws in Poland that foreigners should be aware of. However, it is always advisable to consult with a local attorney or law firm to get specific advice on any legal matter.
Doing business in Poland is much like doing business in most Western European countries. The business culture is relatively formal, and business deals are usually conducted in a polite and professional manner. There is a strong focus on building relationships, and it is important to take the time to get to know your potential business partners before starting any formal negotiations. Poland also has a very well-developed infrastructure, and businesses can generally expect a high level of service and efficiency.
The economy in Poland is growing steadily. Unemployment is relatively low, and inflation is under control. GDP per capita is still relatively low compared to other European countries, but it is gradually catching up. The country has seen a lot of foreign investment in recent years, and this is helping to spur economic growth.
Read more at our Poland (PLN) country guide
Forecasts disclaimer: Please be advised that the forecasts and analysis of market data presented on BestExchangeRates.com are solely a review and compilation of forecasts from various market experts and economists. These forecasts are not meant to reflect the opinions or views of BestExchangeRates.com or its affiliates, nor should they be construed as a recommendation or advice to engage in any financial transactions. Read more
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