The live mid-rate USD to PLN exchange rate is 3.7648. Compare currency conversion rates - Reduce FX costs.
The best USD to PLN exchange rate is our partner deal rate of 3.746 from OFX . This is -0.5% compared to the mid-market rate 3.7648.
The standard OFX USD-PLN rate is 3.6973, -1.8% from the mid-rate. Visit OFX here to secure the better 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 3.746 from OFX, -0.5% from the mid-market rate 3.7648. The next best rate is 3.7422 from XE, -0.6% from the mid-rate. Then Wise with 3.7403 is -0.65% from the mid-rate.
The Western Union rate is 3.7271 which is -1% from the mid-rate.
Among the banks, the Chase Bank rate is 3.4902 at -7.3%, the Wells Fargo Bank rate is 3.4676 at -7.9%, and the Citibank rate is 3.6408 at -3.3% compared to the mid-rate 3.7648.
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 or platforms that offer rates closer to the mid-market rate.
The Dollar to Zloty comparison table above makes it easy to compare the Total Fees (both variable and fixed) you are being charged by banks and other foreign exchange providers against the latest USD-PLN mid-rate (see Market Data below ) and the possible savings of using various providers.
US dollar (USD) to Polish zloty (PLN) market data - latest interbank exchange rate, trend, chart & historic rates.
| Date | USD/PLN | Change | Period |
|---|---|---|---|
23 Apr 2025 | 3.7836 | 0.3% ▼ | 2 Week |
06 Feb 2025 | 4.0355 | 6.5% ▼ | 3 Month |
07 May 2024 | 4.0115 | 6% ▼ | 1 Year |
08 May 2020 | 4.2046 | 10.3% ▼ | 5 Year |
10 May 2015 | 3.6194 | 4.2% ▲ | 10 Year |
12 May 2005 | 3.2419 | 16.3% ▲ | 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.
Recent forecasts and updates highlight a challenging outlook for the USD/PLN exchange rate, driven by geopolitical tensions, economic uncertainties, and shifts in monetary policy. The US dollar has shown notable weakness due to ongoing tariff anxieties and disappointing trade data, with the trade deficit reaching a record $140.5 billion in March. Analysts express concerns that these tariffs, particularly under President Trump's policies, may lead to economic downturns and growing speculation that the administration intends to weaken the dollar for trade advantages.
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
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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