I think that the best option will be to convert PLN to USD in some Kantor or online through walutomat.pl and then change USD to INR in India. Other available options are much more expensive. You could get debit card with free money withdrawal around the world and good exchange rate PLN to INR. Some cards exchange first to EUR or USD and then to other currency and some do it directly. Other more expensive options are:
moneygram.com skrill.com or paypal.com Changing PLN to Indian banknotes in Poland probably is the most expensive option.
Where ca i get the debit card with free withdrawals? Are there some Kantor exchange that i should check in particular to get better rates. Like if you know that charge 0% commission.
It is illegal for a non-Indian person to bring or take Rupee's from India. Do not even try it. If you get caught it can cause a big problem with your visa.
If you can change it to USD or GBP. I would use GBP as it has a better chance to haggle price in India. At the airport change a small amount. £40 as that would be around 3,800Rupee's. That will last you till you get to a local back or exchange place.
Here you can see live exchange rates in some Kantory: kantory.pl/kursy quantor.pl
kantor.aliorbank.pl/info/subtab/oplaty-i-prowizje?language=en Here 1st withdrawal abroad is free. You can also open EUR/USD account in Poland with Debit Card to be sure that there will be only one exchange to INR.
Currently T-mobile account is recommended too. It's completely free and withdrawals abroad from debit card are free too. t-mobilebankowe.pl/konto
It's harder to compare exchange rates in Debit Cards of various banks. I haven't seen any comparison.
If you are doing it online, then Poland transfer would be the best option. They charge 0.5% of your transaction, but they provide the best exchange rate in the market than any banks.
My son is studying in Warsaw. We are from India. Since we did not have option of sending polish currency from here, I deposited Euros in his forex card. Now for every transaction he has cross currency conversion charges and ATM withdrawal expenses too . He has opened a Polish account there. Can anyone can help me with a solution to avoid ATM withdrawal charges and currency conversion charges on card transactions
a solution to avoid ATM withdrawal charges and currency conversion charges on card transactions
Tell him to open an account in euro (pretty much every bank offers those), then use Transfer to send money to that account. He can use a virtual exchange office (I like Alior Kantor) to convert euro to zloty and then spend zloty or take zloty out of an ATM.
There is no point of exhcanging PLN to EUR and then to INR. Better use money transfer provider such as TransferWise, Transfergo etc. They offer great exchange rate and you don't loose your money. I always compare the services on Monito (it's money transfer comparison engine).
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