Selling
Polish Złoty (PLN).

How PLN selling actually works

Wise sells PLN at the mid-market rate with the same transparent fee structure as buying. Revolut and Bunq apply the same monthly free-FX allowance to outgoing conversions as to incoming. For larger one-off sales, executing in business hours avoids the weekend markup that Revolut Standard imposes.

Watchouts and hidden costs

Selling PLN below mid-market often happens silently when a consumer bank converts your foreign-currency holdings to EUR at month-end. Set FX alerts at your preferred sell threshold instead of accepting whatever rate the bank executes. Tax: any realised FX gain from selling PLN for more EUR than you bought it for may be taxable in your jurisdiction.

Is there a fee to sell PLN back to EUR?

On Wise, the fee is the same itemised structure as buying. On Revolut Standard within the free-FX allowance (€1,000/month), there's no fee; above that, a 0.5–1% spread applies. Bunq Free has similar caps.

When should I sell PLN?

If you're holding Polish Złoty for spending (multi-currency wallet), sell as needed at the prevailing rate. If you're holding for investment / speculation, monitor the EUR/PLN pair against your cost basis — selling at a worse rate locks in a loss; selling at a better rate may create a taxable gain.

Do I report PLN sales to tax authorities?

Personal multi-currency wallet activity is typically reported by the neobank to tax authorities under DAC8 (effective 2026) above certain thresholds. Realised FX gains may be taxable depending on jurisdiction and holding-purpose (consumer vs investment). Verify with a local tax advisor for material amounts.