Convenient and secure currency exchange

The cost of converting money through the bank is up to 5% of the transaction amount. XKANTOR.COM is up to 8 times cheaper and the actual exchange rate is available 24 hours a day.

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XKANTOR.COM is FinTech and an independent agent of the currency exchange market.

Services provided in accordance with the Code of Financial Market Good Practice recommended by the Polish Financial Supervision Authority (KNF).

Transaction security is ensured by SSL encryption and SMS authentication.

XKANTOR is recommended by recognized organizations and institutions.

We provide the actual exchange rate, i.e. the rate at which we will actually convert your money.

Make a quick exchange at the best rate or propose your own terms and wait for offers from other users of the platform.

Modern currency exchange platform

XKANTOR.COM is an online platform integrated with an innovative trading system provided by Payholding
Thousands of satisfied customers have already used our system.

Safety standards

Security as in e-banking: SSL encrypted connection and SMS CODES.

Quick currency exchange

Simple exchange and withdraw money even in 30 minutes.

Professional customer service

Our consultants will answer additional questions.

Competitive prices

Free PLN withdrawals to all banks in Poland.

Payholding International Limited is subject to the supervision of the Polish Financial Supervision Authority (KNF) on the basis of the authorisation – Reg. Number: MIP87/2020

Create an account and exchange currencies in 3 easy steps.

Find out more about how to exchange money conveniently. Join our satisfied customers now.

Create an account

Set your login and password. Enter the required user data and then add your accounts.

Deposit Funds

Add money to your wallet by making a transfer from your bank.


Select the currency pair and enter the transaction amount. Then confirm the exchange.

Withdraw funds

Select the account to withdraw the funds to. Enter the amount and title of the transfer and confirm your withdrawal with an SMS code.

5 stars awarded by our customers! Check us out on Trustpilot and see the reviews.

Mobile currency exchange available from anywhere in the world, 24 hours a day.

Soon we will launch the mobile application XKANTOR.COM where you can check the available exchange rates on your smartphone or tablet.

Advanced solutions for companies.

SAP integration

Does your company use SAP Business One? From now on, you can exchange currencies directly in SAP using the Dedicated Currency Platform (SAP DCP).

Learn more

Mass currency exchange

Do you process hundreds, maybe thousands of currency transfers each month? Discover the benefits of combining fast currency exchange and bulk payments.

Learn more

VIP offer

Do you plan to process high transaction volumes? Check out our special offer and take advantage of a discount of up to 60%.

Learn more

XKANTOR.COM currency calculator widget for partners.

Ask how to join the affiliate program.

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Frequently asked questions.

How to create an account at XKANTOR.COM
Creating an account at is a fully automated process which you will complete online in a matter of seconds. This can be done at any time, from anywhere, completely free of charge. All you have to do is register, which is free. You can create a company or individual account. First, you need to visit our website and fill in the registration form correctly Sign up. Then enter your e-mail address and password and click on the “Create an account” button. After that, an activation link, which you need to click to confirm your registration, is automatically sent from to your e-mail address. From the moment of confirmation you have full access to the functionality of You can manage your account in any way, updating your data, depositing funds, placing currency exchange orders and making withdrawals to a designated account in Poland or abroad.

Moreover, if you have or open an account with a bank with which we cooperate, foreign currency transfers will be faster and free of charge! The banks where we have accounts include: Alior Bank (formerly BPH SA), PEKAO SA, BZ WBK (formerly Kredyt bank), PKO BP (formerly Nordea Bank), the mBank Group (BRE Bank, MultiBank, mBank) and Raiffeisen Polbank.

Please be informed that within the mBank Group (BRE Bank, MultiBank, mBank) there are fees for bank transfers in the amount of PLN 5 for EUR currency and PLN 10 for currencies: CHF, GBP, USD.
How much does it cost to use XKANTOR.COM?
Maintenance of the account at is free of charge. Only the transaction is subject to an intermediation commission, which amounts to only 0.2%. The amount of the commission is calculated based on the value of the currency exchange amount. In addition, 0.2% is a maximum fee, depending on the turnover generated during the month, the commission may be lower.

Commission amounts based on the monthly turnover on your account:

– turnover up to PLN 200,000: commission 0.2%
– turnover from PLN 200,000 up to 1 million: commission 0.15% (25% discount)
– turnover from PLN 1 million up to 3 million: commission 0.1% (50% discount)
– turnover over PLN 3 million: commission 0.08 % (60% discount)

Transfers in PLN currency both deposits to and withdrawals are free of charge within all banks.

You also pay nothing for foreign currency transfers within the banks integrated with the platform.

Outside the affiliate banks, withdrawals cost respectively: EUR - always PLN 5; USD, GBP, RUB and CHF - PLN 9.

There are fees for bank transfers within the mBank Group (BRE Bank, mBank, MiltiBank): PLN 5 for EUR currency and PLN 10 for CHF, USD, GBP currencies

Please be advised that some banks charge fees for receiving a transfer in foreign currency. A possible fee is charged by a given Bank, which should be checked on the Bank’s website to which you send the transfer.

Withdrawal of CHF, EUR, GBP, RUB and USD currencies in banks other than those integrated with, i.e.: Alior Bank (including former BPH SA), PEKAO SA, BZ WBK (including former Kredyt Bank), PKO BP (including former Nordea Bank), the mBank Group and Raiffeisen Polbank, is made by bank transfer with the D+2 transfer date. This is the cheapest transfer, where funds ordered to be sent on a given business day by 3 p.m., e.g. on Monday, should be credited to the recipient’s account by the end of the second day after sending, i.e. on Wednesday.

The withdrawal of EUR currency outside the banks integrated with Alior Bank (including former BPH SA), PEKAO SA, BZ WBK (including former Kredyt Bank), PKO BP (including former Nordea Bank), the mBank Group and Raiffeisen Polbank is processed by transfer with the D+1 transfer date, which in practice means that the transfer sent on a given business day should be credited to the recipient’s account on the next day.
Which banks are supported by XKANTOR.COM? automatically supports all domestic and foreign banks. In addition, the following banks: Alior Bank (including former BPH SA), BZ WBK (former Kredyt Bank), PKO BP (former Norede Bank), PEKAO SA, the mBank Group (BRE Bank, mBank, MultiBank) and Raiffeisen Polbank are integrated into the platform, which enables quick and free deposits and withdrawals to be made within the accounts held with these banks.

Automatic international transfers are made through individual entry of foreign bank account numbers and information concerning a given account, and once approved, accounts for international withdrawals are later handled automatically, without the need to re-enter information.

Note: The time of processing transfers within the mBank Group (BRE Bank, mBank, MultiBank) is longer and often ranges from several hours to the full business day. There are fees for bank transfers when using an account with the mBank Group (BRE Bank, mBank, MultiBank): PLN 5 for the EUR currency and PLN 10 for CHF, USD and GBP currencies. currently supports the 6 most popular currencies which are the most important in today’s market: EUR, GBP, CHF, USD, RUB and PLN. These are currencies used by entrepreneurs, borrowers, people working abroad and travel enthusiasts. You can exchange your currency 24 hours a day, 7 days a week.
What is the fastest way to deposit and withdraw money?
The fastest deposits and withdrawals are made by banks integrated with the platform, i.e.: BZ WBK (including former Kredyt Bank), PEKAO SA, PKO BP (including former Nordea Bank), current mBank (in a group of former BRE BANK and Multi Bank), Alior Bank (including former BPH SA) and Raiffeisen Polbank. Transfers to accounts within the above-mentioned banks take about 30 minutes.

For the clients of the platform, both business and individual, we have also prepared an exceptionally practical offer: express EUR withdrawals in the Target Express system, which has a worldwide reach (to all banks in Poland and abroad). In the Target Express system, a transfer of EUR from to any account lasts only up to several dozen minutes.

Regarding the costs of an express transfer, we invite you to read the answer to the question: How much does it cost to send a currency in the express mode?
Can I exchange money on non-working days?
Of course, is at your disposal 24 hours a day, 7 days a week. Transactions and operations can therefore also be carried out at weekends and on holidays.

At the same time, we would like to inform you that you can make payments and withdrawals on bank holidays only using BZ WBK and PKO BP. If you make a payment on Saturday or Sunday from BZ WBK Bank (formerly Kredyt Bank) or PKO BP Bank (formerly Nordea Bank), the transfer will be credited to in just a few dozen minutes. You can place a currency exchange order immediately after money has been transferred to your wallet. If you want a quick currency exchange, please choose the best exchange rate available.

Other banks integrated with Alior Bank (former BPH SA), PEKAO SA, mBank Group (BRE Bank, mBank, MiltiBank) and Raiffeisen Polbank enable making quick deposits and withdrawals only on working days, as they process transfers with the D+1 transfer date. In practice, this means that a withdrawal order made at weekend or on a holiday from banks other than BZ WBK (former Kredyt Bank) and PKO BP (former Nordea Bank) will be classified on the next working day.
Is it safe to exchange money on XKANTOR.COM? is a technologically advanced, modern and secure platform enabling currency exchange via the Internet. Services are provided in accordance with the Code of Financial Market Good Practice recommended by the Polish Financial Supervision Authority (KNF). Transaction security is ensured by SSL encryption and SMS authentication. is recommended by recognized organizations and institutions. Buying e.g. 10,000 euros you can save even several thousand zlotys.
Will I receive an invoice for the services?
Proof of your transaction will be available electronically in the form of a VAT invoice as a PDF file for download and printing. To access an invoice, log in to and go to the “History” tab. Your invoices are stored there in the “Invoices and fees” tab. VAT invoices are generated with each new month for the previous month in an aggregate form by the 1st of each month.

Every User receives an invoice, not only a business user. The document contains data saved by you during the registration process.

In order to facilitate your tax settlement, invoices relating to transactions in foreign currencies are immediately converted into PLN at the average exchange rate of the National Bank of Poland on the previous business day, in accordance with the provisions of Article 30(2) of the Accounting Act.
How do I deposit funds into my wallet at XKANTOR.COM?
You must first log in to Then, in the “My wallet” menu, select the “Deposit to wallet” tab, where you can indicate the currency you want to deposit in your account and the bank from which you want to transfer money. The options are legible and intuitive to use. You make a deposit from your bank account into a selected bank account choosing from among those in the right-hand column, where the account must correspond to the currency you want to deposit, so if, for example, a deposit is made in EUR, it should be ordered to an account held in EUR. The title of the transfer is individual for each User and is generated automatically. The deposit made by you is visible in your profile at as current funds. The time when it will appear at depends on the booking time in the bank.

Important: Correct title of the transfer allows for quick and automatic identification of user funds.
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Do you have any questions? Please contact us.

Fill in the form or call +48 885 050 505

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