However, it will almost always be cheaper to use an ATM in Poland than to exchange cash from home due to the exchange rate. If you're given the option to be charged in your home currency, decline it. Always choose to withdraw in Zloty (local currency) rather than in your home currency when using an ATM.

In 2026, it is almost always cheaper to exchange your money once you arrive in Poland rather than doing it at your home bank or an airport kiosk. Local exchange offices in Poland, known as "Kantors," typically offer some of the most competitive rates in Europe with very low margins. For the best deal, look for Kantors in city centers like Warsaw, Kraków, or Wrocław, and avoid the ones located inside train stations or airports, which often have higher fees. However, many travelers now find that the most economical method is simply using a "travel-friendly" debit card (like Wise or Revolut) at a local ATM, or even just using contactless payment, which is ubiquitous in Poland. If you do use an ATM, always choose to be charged in the local currency (Polish Zloty - PLN) rather than your home currency to avoid "Dynamic Currency Conversion" markups.