This is general information, not financial advice. Rates and fees change constantly. Compare options at the time you need to exchange money.
Your main options
To change money in Poland you can use a bank, a kantor exchange office, or an online or app-based service. Each has trade-offs in rate, convenience and speed, and the best choice depends on the amount and timing.
- Banks: convenient but often weaker rates.
- Kantors: competitive rates, especially in cities.
- Online services: strong rates and transfers.
Understanding the spread
Exchange providers make money on the spread, the gap between buy and sell rates, rather than always charging a separate fee. A narrow spread close to the mid-market rate means better value, so compare the actual rate offered.
Kantors
Kantor exchange offices are common in Poland and often offer good rates, particularly away from tourist spots and airports. Check the displayed rate, confirm there is no extra commission, and count your money before leaving.
Online and app services
Online platforms and fintech apps frequently offer rates near the mid-market level with transparent fees, ideal for larger amounts or regular transfers between currencies and accounts.
- Rates near mid-market with clear fees.
- Good for transfers and larger sums.
- Useful for receiving foreign income.
Tips for better value
Avoid exchanging at airports and tourist areas, never accept dynamic currency conversion when paying by card abroad, and compare a few providers before moving a large sum.
Frequently Asked Questions
Where can I exchange money in Poland?
At banks, kantor exchange offices, or online and app-based services.
What is the spread?
The gap between buy and sell rates, which is how providers usually make money.
Are kantors a good option?
Yes, they often offer competitive rates, especially away from tourist areas.
Are bank rates competitive?
Banks are convenient but their rates are often weaker than kantors or online services.
What is dynamic currency conversion?
Being charged in your home currency at a poor rate; decline it and pay in zloty.
Where should I avoid exchanging?
Airports and tourist hotspots, which typically have the worst rates.
Are online services good for big sums?
Yes, they often offer rates near mid-market with transparent fees.
Should I check for commission?
Yes, confirm whether a separate commission applies on top of the rate.
How do I judge a good rate?
Compare it to the mid-market rate; the closer, the better the value.
Can I receive foreign income easily?
Online services and currency accounts make receiving and converting income simple.