Paying a Polish supplier from Russia: euros or zlotys, an IBAN from the NRB number, VAT white list checks, Polish holidays. Rate and fee before the debit.
Estimate the minimum fee
The final fee and rate are fixed in the payment order
Minimum amount: 10,000 USD or equivalent
This is a minimum, not an offer or a rate lock. The final figure depends on the country, amount and the banks involved and is fixed in the payment order.
Request a quoteRussian companies buy cosmetics and household chemicals, confectionery and food ingredients, packaging, furniture and fittings, medical devices, medicines and car parts in Poland. Polish carriers and freight forwarders invoice for transport.
Two caveats. First: the EU has lists of goods that may not be sold to Russia, and a Polish firm will not ship anything on them. Second: Russia, for its part, does not admit fresh fruit and vegetables, meat, fish, milk and cheese from the EU. That is why we read the invoice before you transfer your roubles.
Poland is an EU member with its own currency, the zloty (PLN). Export invoices (faktura VAT) are usually issued in euros, sometimes in zlotys or dollars. Polish companies as a rule have a separate account for each currency. Euros sent to a zloty account will be converted into zlotys by the beneficiary’s bank at its own rate, and the supplier will see the wrong amount.
Polish documents often give the account as 26 digits (NRB format). For an international payment, the letters PL are added in front, which makes a 28-character IBAN. It needs the bank’s SWIFT code.
A Polish company has three numbers: the NIP tax number, the REGON statistical number and the number in the KRS court register. The KRS register is public: it shows the name with the legal form (sp. z o.o., S.A., sp.k.), the address and the management board. There is also the VAT payer white list, which shows the company’s settlement accounts. If the account from the invoice is not there, that is a reason to ask the supplier again before payment.
Since 2026, Polish companies have been issuing invoices through KSeF, the national e-invoicing system. An invoice for a foreign buyer may carry a KSeF number or a QR code: one more confirmation that the document is genuine.
For each payment we take an agent from our pool whose route in euros or zlotys to the Polish beneficiary’s bank works on the payment date. The execution period is set in the agency agreement. The agent’s rate and fee are written into the payment order, which you sign before the roubles are debited. On request, the roubles wait in a special escrow account at a Russian bank until the money is credited to the Polish firm, for an additional fee. The broker’s fee comes from the agent, and you transfer nothing to VEDmost separately.
Polish banks look closely at incoming payments connected with Russia and ask the beneficiary where the money comes from. It is wise for the supplier to tell its bank about the contract in advance. We write the payment reference in detail: contract number, invoice number, goods.
Banks are closed on January 1 and 6, Easter Monday, May 1 and 3, Corpus Christi, August 15, November 1 and 11, and from December 24 to 26. The May and November holidays often turn into long weekends, and shipments stop during them.
Five steps, the same for every country. Country specifics are described above.
Beneficiary's country, amount, currency, the invoice and the contract or bill, your company's and the beneficiary's details. We review the request before any documents are signed.
We select a network company and a route and prepare the documents. You sign an agency agreement with that company, which sets the execution period, and a payment order: amount, exchange rate and fee. All of this before you transfer your roubles.
You transfer roubles to the network company from your account at a Russian bank. If you need a guarantee, they wait for execution in a special escrow account, for an additional fee.
The agent sends the currency to the beneficiary under this payment order. A sub-agent is engaged only with your consent. The route does not change without a payment order.
We send you the payment confirmation, and a SWIFT confirmation on request. Then the completion certificate, the agent's report and the currency control package. The deal is not closed until the currency has been sent to the beneficiary.
If you need a guarantee, the payment goes through a special escrow account at a Russian bank: the roubles wait there until the agent sends the currency to the beneficiary and are released only upon execution. This scheme carries an additional fee, shown in the quote before the agreement.
The agent executes the payment within 3 business days: the period is written into the agency agreement.
If the beneficiary's bank accepts payment only from a specific payer, the agent engages a sub-agent. Only with your consent. Your agency agreement does not change.
For large volumes, on request, we assign an agent backed by a large exporter's surety; some companies in our network have one. It can be combined with escrow.
Tell us the rate you pay now or send your current agent’s documents. We’ll calculate the all-in cost with the FX markup and charges and look for a lower rate in our network. If there isn’t one, we’ll say so. The comparison is free.
Almost. This is the domestic NRB format. For an international transfer, the letters PL are placed in front of it to make a 28-character IBAN, and the bank's SWIFT code is needed with it. We also confirm that the account is held in the invoice currency.
A public Polish register showing the settlement accounts of VAT-registered companies. We use it to check that the account on the invoice belongs to the supplier and was not slipped in through a fake email.
Two groups. The EU prohibits the sale of a number of goods to Russia, and the supplier will not ship them. And fresh fruit, vegetables, meat, fish and dairy products from the EU are blocked by Russia's countermeasures. We review what is being bought before you transfer your roubles.
On January 1 and 6, Easter Monday, May 1 and 3, Corpus Christi, August 15, November 1 and 11, and from December 24 to 26. The May and November holidays often turn into long weekends.
Describe the payment. We'll reply with a proposed route and terms. We name the agent in advance, and the rate and fee go into the payment order before your roubles are debited.