Efficient money transfers

Why are Conotoxia online money transfers so good? To put it simply, we prefer to work smarter and not harder. By doing business this way, we are able to pass our savings onto you.

How long does it take to send money online?

Transfers that are paid for with a credit card, debit card or currency wallet are completed within a few minutes.

Transaction times depend on the selected bank. We strive to cut our transaction times so you get your money faster.

Deadline time table

If a transaction is made after the deadline time, the execution process will begin the next working day according to the Payment Services Terms and Conditions.

Currency Deadline time (UTC+2)
PLN and EUR 13:00
Other currencies 12:00

Effortless money transfers

Send money online easily with Conotoxia.

Our commitment to speed is our top priority. If you send money internationally, the funds are withdrawn from accounts that we hold in the chosen country, reducing transaction times.

Fee and commission tables

We provide attractive rates as well as minimum fees and commission. For the execution of a transfer we charge a basic fee, the amount of which depends on the method of sending or receiving the transfer. However, there may be additional fees and commission.

Basic fee

*Fee will be converted at the current exchange rate.
Transaction fees: Transfer fees:
Internal transfer (currency wallet, email, text message)--
Transfers to a bank account in Poland0.2%
(max. 250 PLN)*
-
Transfers to a bank account in the eurozone (SEPA)0.2%
(max. 250 PLN)*
5 PLN*
Transfers to foreign accounts (SWIFT) for:
EUR, GBP, USD, BGN, CNY, HKD, HRK, MXN, NZD, RON, SGD, ZAR, ILS, AED
0,2%
(max. 250 PLN)*
0.25% (min. 50 PLN,
max. 200 PLN)*
Transfers to foreign accounts (SWIFT) for:
PLN, CHF, CAD, SEK, CZK, AUD, DKK, NOK, JPY, HUF, RUB, TRY
0.2%
(max. 250 PLN)*
0.25% (min. 40 PLN,
max. 200 PLN)*

Fees for express payment transaction and payment method

Express payments are executed immediately. For this reason additional commission is charged.
Transaction fees: Payment method fees:

American Express

Payment card

0.7%

3.4%

Apple Pay (Visa, Mastercard)

Currency wallet

0.7%

-

BCMC

Payment card

0.7%

-

Cartes Bancaires

Payment card

0.7%

-

Diners Club

Payment card

0.7%

3.4%

Discover

Payment card

0.7%

3.4%

Entercash

Online payment

0.7%

1.0%

Google Pay (Visa, Mastercard)

Currency wallet

0.7%

-

iDEAL

Online payment

0.7%

-

JCB

Payment card

0.7%

3.2%

Mastercard

Payment card

0.7%

-

Sofort

Online payment

0.7%

1.5%

UnionPay

Online payment

0.7%

2.4%

Visa

Payment card

0.7%

-

Visa Checkout

Online payment

0.7%

-

Other fees

Cancellation fees up to 10% of the transaction value

Attention: Information regarding fees charged by intermediary banks (transfer service costs) are estimated. Actual costs depend, among others, on the banks participating in the transfer, type of transfer or cost clause. We cannot be held liable for fees charged by external payment institutions and intermediary banks, which actions are independent from us.
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