How to send money from Georgia to Poland in 2026: from a lari account to a Polish account in zloty or euros

The easiest way to send money from Georgia to Poland in 2026 is a bank transfer from your own account at a Georgian bank to a 28-character Polish account: euros or zloty arrive in 1-3 business days. Lari are exchanged when you send, and above 3,000 lari ($1,200) the Georgian bank asks for the purpose and source of the money.

In detail

Situations and routes in 2026:

The National Bank of Georgia rate on 7 October 2026 is 2.6025 lari per dollar and 2.9263 lari per euro; the zloty at the National Bank of Poland rate is 3.9111 per dollar. Dollar amounts are rounded up.

How to send money from Georgia to Poland: 4 steps at a Georgian bank

The transfer goes from your own account at a Georgian bank, at a branch or in the app. A non-resident opens such an account with a passport in one visit, in lari, dollars and euros at once.

1. The recipient sends the Polish account details: the 28-character account number, the bank's international code and the name in Latin letters, exactly as held at the bank.
2. You choose the currency: euros go from a euro account with no exchange, and zloty are bought by the bank for lari at its own rate.
3. In the application you state the purpose: tuition payment, support for a relative, transfer to yourself, purchase of a home.
4. The Georgian bank checks the recipient and the purpose, and in 1-3 business days the money is in the Polish account.

It is convenient to build up euros for Poland on a currency account in Georgia in advance: then nothing needs to be exchanged on the day you send.

What the Georgian bank will ask: 3,000 and 15,000 lari

Georgia has no currency control: the 2011 Organic Law on Economic Freedom keeps currency operations free, and a transfer of your own money is not taxed. The bank asks its questions under Article 11 of the Law on Preventing the Legalisation of Illicit Income No. 5226 of 30 October 2019.

• Above 3,000 lari ($1,200) per transfer the bank checks the client: passport, purpose, recipient's bank.
• Above 15,000 lari ($5,800) for a one-off or linked transactions the bank asks for the source of the money: a statement, a salary certificate, a sale agreement.
• Several transfers in a row are added up by the bank, so an amount split into parts is reviewed as one.

The same Georgian bank statement will later serve the Polish bank too. Our manager will tell you which papers both banks will accept the first time.

Zloty or euros: which currency to send to Poland

Poland runs on zloty: rent, groceries and transport are paid in them. Euros are needed when the contract with the university or the flat seller is in euros.

Worked example: €10,000 for a year of study is 29,263 lari at the National Bank of Georgia rate, or $12,000. The amount is above 15,000 lari, so the Georgian bank will ask for a document on the source of the money, and the Polish bank will credit the transfer to the student's account in euros.

If you send zloty, the Georgian bank exchanges the lari at its own rate. For a large amount it is more convenient to send euros to a currency account in Poland and change them into zloty as you spend: the National Bank of Poland publishes the zloty rate every business day.

How a Polish bank credits a transfer from Georgia

A Polish account is opened with a passport, and the bank may ask for proof of legal stay: a visa, a residence permit or confirmation of studies. The account number has 28 characters: the country code, 2 check digits and 24 digits, the first 8 of which identify the bank and branch.

Poland has no mandatory sale of foreign currency. For transactions above €15,000 ($17,000) the bank reports to the General Inspector of Financial Information, and for a transfer of your own money this is a routine step: the amount is credited when the purpose matches the documents.

Within the country zloty move instantly around the clock, and transfers by phone number work only between Polish accounts. Deposits are protected up to €100,000 ($120,000) per depositor at each bank.

A gift to family in Poland: 0% tax and a 6-month deadline

Money from parents in Georgia for a son or daughter living permanently in Poland is a gift under Polish rules. For spouses, children, parents, brothers and sisters the tax is 0% when the recipient notifies the tax office within 6 months and the money arrived in a bank account.

Tax-free thresholds over 5 years in 2026:

Gifts from one person over 5 years are added together. Sending a large amount to family? We will help arrange the transfer so that the 0% rate is kept.

A flat in Poland with money from Georgia

A foreigner buys a flat in Poland without a permit from the Ministry of the Interior, while a buyer from a country outside the European Economic Area and Switzerland buys a house or land with a permit. On the resale market a 2% tax is paid; a first home has been exempt from it since 31 August 2023.

Money for a flat goes as one payment from your own account in Georgia with the purpose stated under the contract, preceded by a test payment of a few hundred dollars. Statements for 6-12 months and the sale agreement for your previous home explain the amount to both banks. More about the market - on the page property in Poland.

How long a transfer from Georgia to Poland takes and what it costs

Euros and zloty arrive in 1-3 business days, and if one of the banks reviews a large amount, the time grows by a few days.

• the Georgian bank's fee: a fixed part and a percentage;
• the exchange rate from lari into euros or zloty;
• charges of intermediary banks along the payment route;
• the Polish bank's fee for an incoming transfer.

The application states who pays the intermediary charges. If the sender takes them on, exactly the amount the university or seller expects arrives in the Polish account.

More routes: to Poland and to Georgia

• How to send money to Poland: zloty, euros and large amounts from other countries.
• How to send money to Georgia: an account with a passport in three currencies.

If the money is moving together with the family, all lawful routes are collected on the capital relocation page.

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