Payment rail · Poland
Payment rail · PolandWhat is Elixir?
Elixir is Poland’s interbank clearing system for złoty credit transfers and direct debits, operated by the clearing house KIR in sessions each business day, with settlement at the National Bank of Poland. Poplin pays out to Poland over Elixir, settling the same business day at the latest.
Source: KIR (opens in a new tab)
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
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A payout to Poland clears fastest over
Elixir
settles the same business day · 0.75% + $1.00 on a business account
Also reaches EUR accounts over
Also reaches USD accounts over
Set from your location — change it above.The recipient’s account details decide the rail — the fee is always shown before you send.
// at a glance
What the rail sets for a payout over Elixir — and what Poplin charges to send.
Settlement
Same day
a ceiling, not the typical time
Reaches
1
country — Poland
Paid out in
PLN
Polish zloty
Business fee
0.75%
plus a $1.00 fixed fee
Clearing
Local
domestic clearing
Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
// how it moves
How Elixir payouts move.
From your US-dollar balance to an account in Poland — four steps.
You send from USD
Enter an amount in your Poplin US-dollar account and confirm the payout — the full fee shows before you send.
Converted at mid-market
Dollars become Polish zlotys at the mid-market rate — no markup added.
Cleared over Elixir
Poplin clears the payout over Elixir, Poland’s interbank clearing system.
Arrives inside the window
Elixir settles the same business day — a ceiling, not the typical time; how fast it lands depends on the receiving bank.
// coverage
Where Elixir reaches.
Sending somewhere else?
Each destination clears over its own set of rails. See the rail, speed, and fee for any destination — or the fee for every rail on one page.
Elixir — FAQ
Basics
What is Elixir?
Elixir is Poland’s interbank clearing system for złoty credit transfers and direct debits, operated by the clearing house KIR in sessions each business day, with settlement at the National Bank of Poland. Poplin pays out to Poland over Elixir, settling the same business day at the latest.
Speed
How long do Elixir payouts take?
Over Elixir, Poplin payouts settle the same business day. Payments leave your account in seconds; Elixir then clears the payout to the recipient’s bank.
Cost
How much does it cost to send money over Elixir with Poplin?
A percentage of the amount plus a $1.00 fixed fee — 0.75% on a business account and 1% on a personal account, shown in full before you send. Conversion, where the payout currency isn’t US dollars, is at the mid-market rate with no markup.
Coverage
Which countries does Poplin reach over Elixir?
Elixir is how Poplin pays out to Poland, in PLN. Poplin also reaches Poland over SEPA (EUR) and SWIFT (USD) — which one a payout uses depends on the bank details your recipient has.
Send US dollars to Poland over Elixir.
Open a US-dollar account in minutes. No monthly fees.