Poland (PL)
Poland is the largest country in Central Europe and a dynamic EU member state with one of the fastest-growing economies in Europe over the past two decades.
Currency & Money
Practical money tips for living in Poland.
Denominations
Coins: 1gr, 2gr, 5gr, 10gr, 20gr, 50gr, 1zł, 2zł, 5zł. Notes: 10zł, 20zł, 50zł, 100zł, 200zł, 500zł.
Payment Culture
Poland is increasingly cashless in cities — Blik (instant mobile payment) is ubiquitous and widely preferred. Card payments (contactless) are widely accepted. However, keep some cash for smaller towns, markets, taxis, and local shops. Many older merchants and rural areas are still cash-only.
ATM Tips
Use bank ATMs (PKO BP, Pekao, ING, Santander) to avoid third-party fees. Euronet ATMs charge high fees — avoid if possible. When offered DCC (Dynamic Currency Conversion), always choose to pay in PLN. Foreign cards work well; check your bank for international withdrawal fees.
Exchange Tips
Exchange offices (Kantory) often offer better rates than banks, especially in city centres. Avoid airport exchange bureaus. Wise and Revolut offer excellent rates for international transfers. Do not accept DCC from ATMs or card terminals.
Pro tip: Best apps for expats
- • Wise — Send money internationally at near-interbank rates
- • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
- • N26 — German IBAN, free account, good for EU residents