Money in Poland: currency, ATMs, cards and tipping

Poland uses the złoty (PLN). Cards (Visa, Mastercard, contactless) work in most shops, restaurants and transport. Keep a few hundred złoty for street markets, small cafés, or taxis that may not accept cards.

The official currency is the Polish złoty (PLN, symbol zł). ATMs are widespread in cities and towns; bank‑owned machines give the best exchange rates. Stand‑alone ATMs often add a dynamic currency conversion fee, so choose the local currency option.

Credit and debit cards are accepted in most establishments, including supermarkets, hotels, and public transport (tickets can be bought with contactless). Some rural shops and small food stalls may only take cash, so a small cash reserve is advisable.

Restaurant service is usually included, but it is customary to leave a tip of about 10% of the total, rounded up or left as change. In cafés and bars a small tip (a few złoty) is appreciated. For taxis, rounding up the fare is common; no tip is required for hotel staff unless you receive extra assistance.

Polish phone‑payment system BLIK is popular among locals; visitors can pay with cards without needing BLIK.

Currency exchange offices (kantor) are common in city centres and near train stations; compare rates before exchanging large amounts.