A safe money transfer to Poland starts with a company licensed in your state and knowing who you are sending money to. U.S. Money Express is licensed in 12 states, holds NMLS ID# 918711 and works with PKO Bank Polski S.A. Money collected by a scammer cannot be recovered.
Money sent to family back home is usually money earned through hard work. So before you send it, check two things: that the company operates legally in your state, and that the request for money really comes from someone you love.
Below is what to look at, from licensing and your receipt to the real cost of a transfer.
How can you tell if a money transfer company is licensed in your state?
In the U.S., money transmitters operate under state licenses. A license in one state does not allow a company to serve customers nationwide.
U.S. Money Express Co. is licensed in 12 states: NY, NJ, CT, PA, AZ, DE, FL, IL, MA, MI, OH, WI. The company lists its license numbers for each state on its licensing page. In New York, for example, it is New York State Department of Financial Services (NY DFS) license no. 100009. In Pennsylvania, the company is authorized by the Department of Banking to transmit money by check, draft or money order.
People who live in other states, such as California, cannot use the company’s services. The company also holds NMLS ID# 918711, its identifier in the nationwide registry of companies licensed by state financial regulators.
Who pays out the money in Poland, and what rules does the company follow?
The main partner of U.S. Money Express in Poland is PKO Bank Polski S.A. Recipients can collect cash in U.S. dollars at its branches. Złoty are paid out at Polish Post (Poczta Polska) locations and Bank Pocztowy branches, and a letter carrier can also deliver them to the door.
The company works with banks, financial institutions and insurers. It follows a compliance policy based on U.S. law: the Bank Secrecy Act, the USA PATRIOT Act and anti-money laundering (AML) rules.
That is why, depending on the amounts and how often you send, the company may ask the sender for ID: a driver’s license or State ID, a passport or a permanent resident card.
How do you spot the “grandparent scam” and other fraud?
A typical script is a “family member in an emergency.” Someone calls pretending to be a grandchild, a police officer or a lawyer. They say it is urgent, ask you to keep it quiet and explain that they have a “new number.”
- Hang up and call your family member on a number you already know.
- If you are not sure, do not send the money.
- Be careful with charity drives you cannot verify; some are fake.
- Do not send money to unverified sellers offering a shopping “deal.”
Once a scammer collects the transfer, the money cannot be recovered. It is worth talking about this with older parents, both here in the U.S. and in Poland.
Why keep your receipt and transfer number?
After you send a transfer, you get a receipt (Transfer Receipt). Before you accept it, check the recipient’s details, the amount and the payout location.
The receipt also shows the transfer number. Share the number and payout location only with the person who is supposed to collect the money. The recipient shows ID at payout.
The receipt also helps when you want to check a transfer’s status. For online transfers, the status appears in your transfer history, and you can also check it by phone.
What does a transfer to Poland really cost?
The cost of a transfer has two parts: the service fee and the exchange rate. When comparing options, look at both, not just the fee.
Before sending, check the cost with the fee calculator at online.usmoneyexpress.com or call the toll-free number 1-888-273-0828. Online, you can enter either the amount to send or the amount the recipient should receive.
Others can add to the cost, too. Your credit card issuer may treat the payment as a cash advance and charge its own fee. And if you send to an account held in a different currency than the one you sent, the recipient’s bank will convert the money at its own rate.
You can ask about licensing, fees and payout options at the Greenpoint office (167 Greenpoint Ave, Brooklyn, tel. 718-349-1320), the main office in Chicago (5395 N. Milwaukee Ave, tel. 773-774-8787) or at 1-888-273-0828. Learn more in U.S. Money Express’s listing in the Polish Pages directory.
More about sending money to Poland with US Money Express
- Cash delivered to the door: sending money from the U.S. to parents in Poland
- U.S. dollars in cash in Poland: picking up a transfer at PKO Bank Polski
- Bank transfers from the U.S. to Poland: steady support for your family
- How to send money to Poland: online, through an agent or by mail
- Christmas money transfer to Poland 2026: send it early
About U.S. Money Express Co. — a money transfer company operating in the USA since 1993 and in Canada since 2008. Main partner in Poland: PKO Bank Polski S.A. Licensed in: NY, NJ, CT, PA, AZ, DE, FL, IL, MA, MI, OH, WI. NMLS ID# 918711.
This article is for informational purposes only. Fees, exchange rates and transfer terms may change; for current information, use the U.S. Money Express Co. fee calculator or call 1-888-273-0828.
PKO Bank Polski, Poczta Polska (Polish Post) and Bank Pocztowy are names and trademarks of their respective owners. All trademarks belong to their respective owners. Polish Pages is not affiliated with or endorsed by these companies.
