Poland Travel Tips

Poland uses the Polish Złoty (PLN) as its official currency. While the country is largely cashless, carrying some cash is still useful, especially in smaller towns, local markets, and traditional eateries where card payments may not always be accepted. Having smaller denominations is helpful, as some kiosks, public toilets, and parking machines may not accept large bills or cards. In major cities like Warsaw, Kraków, and Gdańsk, most hotels, restaurants, and shops accept credit and debit cards, but keeping cash on hand for small purchases or emergencies is advisable.

ATMs are widely available across Poland, commonly found in banks, shopping centres, and convenience stores. Many ATMs support foreign cards and offer menu options in English. Withdrawing cash from ATMs is often one of the most convenient and cost-effective ways to access Polish Złoty, usually providing better exchange rates than currency exchange offices. However, check with your home bank regarding potential international withdrawal fees. When using an ATM, always choose to withdraw in PLN rather than your home currency to avoid poor exchange rates.

Credit and debit cards, particularly Visa and MasterCard, are widely accepted throughout Poland. American Express is accepted in some hotels and larger retailers but is less common in smaller businesses. Contactless payments are widely used, and mobile payment apps like Google Pay and Apple Pay are commonly accepted. Some businesses may have a minimum spending requirement for card transactions, so keeping cash for smaller purchases is practical. For larger transactions, you may be asked to show identification, such as a passport.

Currency exchange offices (kantor) are found in airports, tourist areas, and city centres, but rates can vary. ATMs generally provide more competitive rates than exchange offices. If using a kantor, compare rates at different locations to ensure you get the best deal, and avoid exchanging money at hotels, which tend to offer less favourable rates.

Before traveling, notify your bank of your trip to avoid potential issues with your cards being flagged for suspicious activity. Bringing a backup card is recommended in case your primary one is lost or compromised. Keep your bank’s contact details handy and monitor your account for any unauthorized transactions while abroad.

Traveller’s cheques are rarely accepted in Poland and are difficult to cash, making ATMs and credit or debit cards the most reliable options for accessing money during your visit.