ATM Fees in Poland
Polish Złoty (PLN) • Updated April 2026
Poland has excellent card acceptance. Contactless payments are ubiquitous. ATMs widespread. Watch for Euronet ATMs with high fees. Use bank ATMs.
Tips for Poland
- • Cards accepted almost everywhere
- • Avoid Euronet ATMs - high fees
- • Use bank ATMs (PKO, mBank, ING)
- • Always decline DCC
- • Contactless standard
Airport tips
- • Major airports have many ATMs
- • Avoid independent ATMs at airports
- • Use bank ATMs for best rates
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Poland, per person.
Backpacker
Hostels, street food, public transport
PLN/day
≈ $42.47-105 USD
Mid-range
Hotels, restaurants, mix of transport
PLN/day
≈ $122-255 USD
Luxury
Premium hotels, fine dining, private transport
PLN/day
≈ $337-700 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Poland.
Credit card acceptance
Very HighExcellent card acceptance. Contactless ubiquitous. BLIK is the standard local mobile payment method, though hard for tourists to access.
You'll need cash for
- • Some market stalls
- • Tips
- • Very rare occasions
Cards usually accepted
- • Everywhere
- • Restaurants
- • Shops
- • Transport
- • Museums
- • Markets (most)
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| PKO BP | 0 PLN | 0% | Visa/MC rate | 0 USD | 1,100 | No fee - best choice |
| mBank | 0 PLN | 0% | Visa/MC rate | 0 USD | 400 | No fee |
| Euronet | 15-25 PLN | 0% | Poor DCC rates | ~5.00 USD | 3,000 | AVOID - high fees |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Euronet | 15-25 PLN | 0% | Poor DCC rates | ~5.00 USD | 3,000 | AVOID despite coverage |
| PKO BP | 0 PLN | 0% | Visa/MC rate | 0 USD | 1,100 | Best value |
| mBank | 0 PLN | 0% | Visa/MC rate | 0 USD | 400 | No fee |