The official currency in Poland is the złoty.
When using ATMs, be aware that each bank applies its own exchange rate. For better rates, it’s best to withdraw from a Polish bank like PKO Bank Polski or Bank Zachodni. The ATM will ask whether you want to be charged in złoty or in your home currency—always choose złoty. Otherwise, you’ll face double fees: once for the ATM’s poor exchange rate, and again if you later need to exchange your cash at an exchange office. You’ll also be shown the exchange rate offered—take a moment to accept or decline it. As for card payments, most shops, bars, and restaurants do accept credit and debit cards, but not all places do. It’s a good idea to check in advance, especially if you’re staying in a hostel or renting an apartment—many of them prefer cash. It’s wise to let your bank know that you’re going abroad in advance, so they don’t block your card due to “suspicious activity” abroad.
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