(0 reviews)

Funcik Review, Exchange Rates, Fees Calculator & User Score

  • Fees and costs: Average
  • Transfer speed: Very Good
  • Safety and reliability: Good
  • Customer satisfaction: Very Good


  • Good exchange rates for GBP/PLN


  • Percentage-based fees
  • Available only for one country
  • Supported only in polish language

0 users would recommend it

0 users wouldn’t recommend it

What is Funcik?

Funcik wants to provide affordable, fast, secure transfers without unnecessary bureaucracy and with good currency conversion rates.The service is aimed at Polish immigrants living in the UK, who have some kind of financial commitments in their home country, Whether it’s to provide for their families, pay off a loan, pay the bills, invest or simply send to their savings accounts.

Funcik wants to offer good exchange rates for GBP to PLN currency pairs.

The platform is available only in Polish language.

How Does Funcik Work?

It lets you send money from the United Kingdom to any Polish bank. As the company has established a good connection between these two countries the costs are significantly lower than a classic international bank wire. Moreover, you can also set up an express transfer, which your recipient will receive in a few minutes.

Funcik Fees and Costs

Funcik charges 1.99% of the total transfer amount. Therefore, it’s cheap to send smaller amounts of money, however bigger transfers can get quite expensive very quickly. For example, to send 50GBP to Poland costs only 0.99GBP, while a transfer of 1000GBP generates 19.90GBP in fees.

Funcik Exchange Rate

Funcik supports only one currency pair - GBP/PLN. However, thanks to the focused service, they are able to provide very competitive exchange rates. The markup is kept under 0.3% and the rates are very close to the mid-market values.

Funcik Limits

There is a daily transfer limit of 10.000GBP. It cannot be extended, therefore the company suggests to divide bigger payments into smaller transactions. There are no monthly limits.

Funcik compared to wire transfer and banks

Of course it’s hard to compare this platform to regular bank transfers, as it supports only one destination, while banks can transfer money globally. However, good exchange rates make Funcik transfer to Poland quite affordable compared to the average offer of mainstream UK banks. On the other hand, percentage-based fees make the platform too expensive for bigger transfers. 

How to use Funcik?

On the Funcik website type in the amount of money you need to send, choose the transfer method and their special calculator will show you the total costs of your transfer. Proceed to the login or (signup page if you don’t have an account) and fill in the information about the recipient. Type in your VISA card information or choose a different payment option and you are ready to go.

The platform supports all of the Polish banks.

How to sign up?

Navigate to the register panel and type in your email address, on which you will get a registration link and rest of the instructions. The sign up process is simplified and in most cases doesn’t require providing any additional documentation. All you have to do is fill out your basic contact information and the company will verify your identity digitally. 

Is Funcik safe and reliable?


Funcik platform is a part of One Money Mail Ltd. which is a fully regulated UK-based company, authorized by the FCA (Financial Conduct Authority). They also comply with HMRC Money Laundering Regulations. Moreover, the transactions are secured by VISA’s 3D Secure technology.


Most of the reviews found online are rather positive. There haven’t been any significant problems with the platform. Customers recommend Funcik for smaller bill payments like TV or utilities. However, for bigger transactions it’s better to choose a different transfer method.

Customer Support

The customer support is available 9am to 9pm on weekdays and 9am-3pm on weekends. There are numbers both for the UK and Polish assistance. You can also reach them via an email.

Final Thoughts

Funcik Review

Funcik offer is aimed for Polish immigrants in the United Kingdom who need to send money to their home quickly and cheaper than via a regular international bank wire. The exchange rates for GBP to PLN are in fact very competitive at Funcik. On the downside, the 1.99% percentage transfer fee makes it quite expensive to send bigger amounts with them. However, for someone who needs to send up to 100GBP to Poland quickly the service seems very affordable. For bigger sums other platforms may be more appealing.

Our users comments

No comments yet

Add Comment

Would you recommend it?