Our OFX USD to PLN transfer rate is 3.7664. This is -0.5% below the mid-rate. Compare OFX currency conversion rates - Reduce FX costs.
Our deal OFX USD to PLN exchange rate is 3.7664. This is -0.5% compared to the latest USD-PLN mid-market rate 3.7853. Visit OFX now to receive this rate.
The standard OFX USD-PLN rate is 3.6976, -2.3% from the mid-rate.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare US dollar (USD) to Polish zloty (PLN) rates from different sources before making a conversion.
Looking at our comparison table the best USD to PLN exchange rate is 3.7664 from OFX, -0.5% from the mid-market rate 3.7853. The next best rate is 3.7626 from XE, -0.6% from the mid-rate. Then Wise with 3.7607 is -0.65% from the mid-rate.
The Western Union rate is 3.7474 which is -1% from the mid-rate.
Among the banks, the Chase Bank rate is 3.4894 at -7.8%, the Wells Fargo Bank rate is 3.4667 at -8.4%, and the Citibank rate is 3.6408 at -3.8% compared to the mid-rate 3.7853.
It's important to note that exchange rates also fluctuate frequently due to market conditions. Additionally, banks and foreign exchange providers often apply a margin to the exchange rate, resulting in a less favorable rate for customers compared to the mid-market rate. For more competitive rates, you might consider using a specialized currency exchange service like OFX or platforms that offer rates closer to the mid-market rate.
The table below shows OFX US dollar (USD) Send Money exchange rates with the percentage of margin being charged from the current market mid-rate :
| Currency route | Mid market rate | OFX Send Money Rate | Cost% |
|---|---|---|---|
| USD - AED | 3.6731 | 3.6547 | -0.5%* |
| USD - AUD | 1.5514 | 1.5436 | -0.5%* |
| USD - BND | 1.3105 | 1.252 | -4.5% |
| USD - CAD | 1.3821 | 1.3752 | -0.5%* |
| USD - CHF | 0.8271 | 0.823 | -0.5%* |
| USD - CNY | 7.2950 | 6.9669 | -4.5% |
| USD - CZK | 22.05 | 21.94 | -0.5%* |
| USD - DKK | 6.6043 | 6.5713 | -0.5%* |
| USD - EUR | 0.8848 | 0.8804 | -0.5%* |
| USD - FJD | 2.2559 | 2.1332 | -5.4% |
| USD - GBP | 0.7538 | 0.75 | -0.5%* |
| USD - HKD | 7.7500 | 7.7113 | -0.5%* |
| USD - HUF | 358.06 | 356.27 | -0.5%* |
| USD - IDR | 16,474 | 15675.4961 | - |
| USD - ILS | 3.5873 | 3.5694 | -0.5%* |
| USD - INR | 84.63 | 81.2935 | -3.9% |
| USD - JPY | 144.90 | 144.18 | -0.5%* |
| USD - KRW | 1,399.9 | 0.988 | - |
| USD - KWD | 0.3066 | 0.3051 | -0.49%* |
| USD - LKR | 300.33 | 288.0918 | -4.1% |
| USD - MAD | 9.2623 | 8.8707 | -4.2% |
| USD - MGA | 4,453.7 | 3.86 | - |
| USD - MXN | 19.58 | 19.48 | -0.51%* |
| USD - MYR | 4.2700 | 4.2487 | -0.5%* |
| USD - NOK | 10.41 | 10.36 | -0.48%* |
| USD - NZD | 1.6801 | 1.6717 | -0.5%* |
| USD - OMR | 0.3850 | 0.3725 | -3.2% |
| USD - PEN | 3.6776 | 3.518 | -4.3% |
| USD - PGK | 4.0583 | 3.8446 | -5.3% |
| USD - PHP | 55.66 | 55.38 | -0.5%* |
| USD - PKR | 281.90 | 271.955 | -3.5% |
| USD - PLN | 3.7853 | 3.7664 | -0.5%* |
| USD - SAR | 3.7502 | 3.6147 | -3.6% |
| USD - SBD | 8.3300 | 7.4345 | -10.8% |
| USD - SCR | 14.21 | 13.1123 | -7.7% |
| USD - SEK | 9.6547 | 9.6064 | -0.5%* |
| USD - SGD | 1.2998 | 1.2933 | -0.5%* |
| USD - THB | 33.10 | 32.93 | -0.51%* |
| USD - TOP | 2.4078 | 2.1605 | -10.3% |
| USD - TRY | 38.58 | 38.39 | -0.49%* |
| USD - TWD | 30.72 | 29.1789 | -5% |
| USD - VND | 26,005 | 24410.7149 | - |
| USD - VUV | 118.72 | 110.8172 | -6.7% |
| USD - WST | 2.8000 | 2.4641 | -12% |
| USD - XOF | 580.36 | 558.7162 | -3.7% |
| USD - XPF | 105.58 | 101.688 | -3.7% |
| USD - ZAR | 18.39 | 18.3 | -0.49%* |
* BER discount rate that we have negotiated with OFX. To obtain these special rates, click through to OFX from our above exchange rate comparison tool.
The OFX Dollar to Zloty comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by OFX and other foreign exchange providers against the latest USD-PLN mid-rate (see Market Data below ) and the possible savings of using various providers.
OFX has a 20-year history and is one of the largest foreign exchange specialists in the world. It offers a complete foreign exchange solution, including discounted money transfers, currency hedging tools, recurring transfers, a multi-currency account for online sellers and much more.
OFX grew from the idea that there had to be a better, fairer way to move money around the world. That was over 20 years ago, and since then over 1 million customers have trusted OFX with transfers in 50+ currencies to over 170 countries.
OFX don’t just offer great rates, they believe real help from real people counts. That’s why their clients get the best of both worlds – a seamless digital platform, combined with 24/7 phone access to currency experts.
When it comes to moving money, peace of mind is important. OFX is monitored by over 50 regulators globally and work within a network of carefully selected banking partners. So whether you are sending money to friends and family abroad, or doing business across borders, OFX can get your money where it needs to go. Fast, simple, secure.
Using OFX for money transfers offers the benefit of lower fees and competitive exchange rates compared to traditional banks, making international transactions more cost-effective.
Additionally, OFX provides 24/7 customer support, a range of transfer options including spot and forward contracts, and a user-friendly online platform, enhancing convenience and flexibility for global financial transactions.
OFX offers exchange rates that beat the banks, and are close or equal to the rates offered by the industry’s lowest-cost services.
When you register via our OFX 0.5% exclusive offer for BER users the cost of sending, for example, 5,000 US dollars to Australia equates to 0.5 percent of the transferred amount, or roughly US$25. You’d pay the same 0.5 percent for the same amount to be sent to Europe and around 1 percent if sending to India. This compares with 4–7 percent with the banks.
For other currency routes we looked at (routes involving AUD, INR, GBP, EUR, SGD and USD), the average cost of an international payment with OFX was 0.6 percent of the transferred amount. This is exceptional if compared with banks but can be a little more expensive than what is charged by the industry’s lowest-cost services, although such services do not offer the same benefits and customer service as OFX.
US dollar (USD) to Polish zloty (PLN) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | USD/PLN | Change | Period |
|---|---|---|---|
18 Apr 2025 | 3.7622 | 0.6% ▲ | 2 Week |
01 Feb 2025 | 4.0663 | 7% ▼ | 3 Month |
02 May 2024 | 4.0378 | 6.3% ▼ | 1 Year |
03 May 2020 | 4.1693 | 9.3% ▼ | 5 Year |
05 May 2015 | 3.6071 | 4.9% ▲ | 10 Year |
07 May 2005 | 3.1907 | 18.6% ▲ | 20 Year |
Here are some popular conversion amounts for USD to PLN (US dollar to Polish zloty)*.
*Converted at the current USDPLN interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.
The USD to PLN exchange rate has recently been influenced by a mix of US economic developments and concerns regarding the Polish economy. Analysts report that the US dollar has experienced increased strength due to renewed hopes for a US-China trade deal. This optimism was buoyed by comments from US Treasury Secretary Scott Bessent, who expressed confidence in the possibility of negotiations between the two nations. However, there are growing concerns that upcoming economic data, particularly April’s non-farm payroll statistics, could reveal a significant slowdown in job creation, which might negatively affect the dollar’s momentum.
Read our full review of recent USD to PLN forecasts.
There are several ways to save on exchange rates when converting US dollar to Polish zloty:
Generally speaking, if you are buying Polish zloty with US dollar, then it's better for the USD/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 USD/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
| United States (USD) | 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
A comprehensive guide to choosing the best money transfer provider, covering key factors like fees, speed, exchange rates, and customer support, with comparisons of top services such as Wise, OFX, WorldRemit, and XE Money Transfers.
Looking to transfer money internationally? We compare OFX and Wise side by side, covering costs, exchange rates, speed, and features to help you choose the best service for your needs in 2025. Which one is right for you depends largely on how much you’re sending, how often you transfer, and whether you value real-time convenience or personal account management.
If you’re selling online internationally, using an FX specialist can save you thousands. Better exchange rates, lower fees, and protection against currency swings can make a huge difference to your bottom line. Find out why smart online sellers are choosing FX specialists to manage their global payments — and how it could help you scale faster.
Further reading on Ofx - Guides, Reviews & News from our research team.
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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