Coins in circulation:
PLN 1, 2 and 5 and
1, 2, 5, 10, 20 and 50 groszy coins
Notes in circulation:
PLN 10, 20, 50, 100 and 200 notes.
To help the blind and partially-sighted, each Polish banknote carries a special mark – a distinctive embossed shape identifying the value of the bank note:
PLN 10 - square
PLN 20 - circle
PLN 50 - diamond
PLN 100 - plus sign
PLN 200 - triangle
You can exchange money everywhere in Poland, in big cities and small towns. You can use an ATM machine or visit a bank, currency exchange counter in town or at a hotel reception desk.
All major foreign currencies may be exchanged for Polish money at a bank or exchange counter, (identified by the name Kantor). Over the counter exchange is available at larger hotels, at border crossings or in dedicated outlets across towns and cities. Transactions in kantors cannot be reversed.
Banks in larger cities are usually open from 9 am to 4 pm on weekdays and until 1 pm on Saturdays. In smaller towns or villages they have more limited business hours, usually from 5 am to 1 pm.
Kantors are usually open from 9 am to 7 pm weekdays and until 2 pm on Saturdays. 24-hour services are usually available in larger major tourist centres such as train stations, border crossings and airports.
Major travellers cheques can be exchanged (for a commission) at most of the locations above, with the exception of Kantors. Eurocheques are accepted in accordance with the standard international practice.
If you want to know about the current exchange rate of the Polish zloty, use our money calculator.
Banks & cash dispensers
Visitors to Poland may be assured of easy access to banks and cash dispensers, particularly in larger towns.
Banks are normally open on working days between 10 a.m. and 3 p.m., sometimes even up to 6 p.m. Banks offer money exchange, collection of money transfers or cashing traveller’s cheques.
Cash dispensers (ATM)
In Poland, ATM’s, which operate 24 hours a day, offer far easier access to your money than banks. They can normally be found near such places as banks, rail stations, airports, supermarkets, town centres and other places popular with visitors.
What are traveller’s cheques and will banks cash them?
Traveller’s cheques are a means of carrying money which is safer than cash. Their advantage is that if they are lost or stolen the money is not lost, and the cheque can be re-issued within a very short time. On arrival at your destination, you can exchange the cheque for cash. This can be done at most Polish banks. However in many cases it is not necessary to cash your traveller’s cheques, as they are often accepted as a means of payment, particularly in large stores.
Payment by credit card
It is hard these days to get by without a piece of plastic in your wallet, particularly while travelling abroad, when it is neither necessary nor convenient to carry travellers cheques or cash. In Poland, the use of credit cards is widely accepted, particularly in major towns and tourist attractions.
Where can I pay by credit card, and what are the advantages of doing so?
Virtually everywhere. In supermarkets and most shops credit cards are a standard form of payment. For foreign visitors they have an added bonus, because they eliminate the need to exchange money before coming to Poland.
Which cards are most widely accepted in Poland?
The most widely used cards are Europay International, MasterCard International, Visa International, and American Express, both embossed and electronic versions.
Electronic cards (Maestro, Visa Electron) can be used only in cash dispensers and at points of sale equipped with electronic card readers. Embossed cards (Eurocard/Mastercard, VISA) are not subject to such restrictions.
Payment by bitcoin
Number of places in Poland where you can pay by bitcoin is growing. Every year there are new cafes, restaurants and museums where you can use your digital currency. You can find full map of those places here
Using ATM’s in Poland.
Poland has a dense network of ATM’s (called bankomat), which are connected to all international networks. There are almost ten thousand ATM’s in the whole of Poland, of which over a thousand are located in Warsaw alone.
Please consult your bank or card issuer about the charges incurred while using your card abroad.
Euro - €
Please note that Poland is not a member of the Euro currency system and that Poland’s legal tender is złoty.