Our services

Transaction cost

Opening and running an account with us is free of charge. We do not and will not charge any fees or commissions for transactions. The only fees you may be charged with are imposed by banks that process transactions (transfer service costs).

Money transfers to us in foreign currency from abroad as well as domestic transfers may be charged with a fee by the intermediary bank. We cannot be held responsible for fees and commission charged by other payment institutions or intermediary banks, actions of which are independent of us.

Below you will find the summary of the costs of bank transfers, broken down into banks and currencies.


Free money transfers

Bank Currencies
Alior Bank AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, NOK, PLN, RUB, SEK, USD, ZAR
Bank Ochrony Środowiska (BOŚ) CHF, EUR, GBP, PLN, USD
Bank Polskiej Spółdzielczości S.A. (BPS) * EUR, GBP, PLN, USD
BGŻ CHF, EUR, GBP, PLN, USD
BNP Paribas AUD, CAD, CHF, CZK, DKK, EUR, GBP, HUF, JPY, NOK, PLN, RUB, SEK, USD
BZWBK AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HUF, JPY, MXN, NOK, PLN, RON, RUB, SEK, TRY, USD
Credit Agricole EUR, GBP, PLN, USD
Deutsche Bank AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HUF, JPY, NOK, PLN, RUB, SEK, USD
DnB NORD CHF, EUR, GBP, NOK, PLN, USD
Getin Bank PLN
ING Bank Śląski AUD, CAD, CHF, CZK, DKK, EUR, GBP, HUF, JPY, NOK, PLN, SEK, USD
mBank (former BRE Bank) AUD, CAD, CHF, CZK, DKK, EUR, GBP, HUF, JPY, NOK, PLN, RON, RUB, SEK, TRY, USD
Millennium CHF, EUR, GBP, PLN, USD
PEKAO AUD, CAD, CHF, CZK, DKK, EUR, GBP, HUF, JPY, NOK, PLN, SEK, USD
PKO BP AUD, CAD, CHF, CZK, DKK, EUR, GBP, JPY, NOK, PLN, RON, RUB, SEK, USD
Raiffeisen Polbank AUD, BGN, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, JPY, MXN, NOK, NZD, PLN, RON, RUB, SEK, SGD, TRY, USD, ZAR
Volkswagen Bank Polska S.A. PLN

* In case of the banks affiliated with BPS S.A. a fee for concluding currency transfers will be charged. The PLN transfers can be subjects to commission as well.


Exceptions

Bank Information
Alior Sync The transfers operated by Alior Bank. Free of charge.
mBank (mBank, były MultiBank) Transfers within these banks are serviced with assistance of the mBank (former BRE Bank). PLN transfers to us are free, whereas a fee is charged for foreign currency transfers. Receiving a transfer from us is free for every currency.
Getin Online, Idea Bank, Noble Bank PLN transfers to and from us are free of charge.
The currency transfers from us to you are processed via mBank (former BRE Bank) and a fee of 10 PLN is charged.
Additionally, a fee might be imposed by an intermediary bank.
As presented in the table of fees and commissions, GetIn Bank can charge you a fee for internal currency transfers in GetIn Bank.
Inteligo The transfers operated by PKO BP. Free of charge.
Kredyt Bank The transfers operated by BZWBK. Free of charge.

 

Other Polish banks

Transfers in banks not listed above are processed via mBank (former BRE Bank). In most cases sending and receiving transfers in PLN are free of change. Transfers in foreign currencies, both to and from us, may be charged with a fee. Please check with your bank.

For transfers in USD, an additional fee will be charged by the bank STANDARD CHARTERED BANK (the intermediary bank in cooperation with mBank) in the amount from $25 to $50, or with JPMorgan Chase in the amount from $20 to $32. In case of transfers in foreign currencies, the additional fees may occur as intermediary banks might participate.


Transfers to foreign accounts

We charge a fee for transfers to foreign accounts. The cost of this transfer is 0.25% of the transaction value. The minimum and maximum fee is shown in the table below.

Currency Minimum cost Maximum cost
EUR (SEPA) 5,00 PLN 10,00 PLN
EUR (SWIFT), GBP, USD, BGN, CNY, HKD, HRK, MXN, NZD, RON, SGD, ZAR 50,00 PLN 200,00 PLN
PLN, CHF, CAD, SEK, CZK, AUD, DKK, NOK, JPY, HUF, RUB, TRY 40,00 PLN 200,00 PLN

For transfers in USD, an additional fee will be charged by the bank STANDARD CHARTERED BANK (the intermediary bank in cooperation with mBank) in the amount from $25 to $50, or with JPMorgan Chase in the amount from $20 to $32.


Receiving a GBP transfer from the UK

Please be informed that in case of sending GBP currency to us from a bank in the UK, a fee of GBP 12.00-20.00 may be charged. The fee is charged by an intermediary bank. In this case, an amount reduced by the fee above will be sent to us.

Attention: Information regarding fees charged by intermediary banks (transfer service costs) are estimated. Actual costs depend, among others, on banks participating in the transfer, type of the 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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  Please be informed that our services in the USA will be activated in the fourth quarter of 2017. Currently, our license applications enabling us to provide money transfer services, are being verified throughout the entire territory of the United States. Our company has currently fulfilled regulatory requirements in 30 states. Meanwhile, we are continuing to make operational preparations for the launch of our services in the USA. We will be periodically updating you about our progress. Close

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Conotoxia is available in English. Polish version remains as Cinkciarz. Two brands, the same services. Coming soon to the USA (NMLS #1504617)

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