Poland is a member of the European Union but has not adopted the euro, using its own currency, the Polish złoty (PLN). Being in the EU but outside the Eurozone means Poland's currency still moves independently against the euro, unlike Eurozone members' currencies against each other.
Published September 15, 2026 · 2 min read
The Polish złoty is Poland's national currency, and it fluctuates against the euro and other currencies. Card payment is widely accepted in Polish cities, and contactless payment in particular has seen broad adoption. If you are traveling from a Eurozone country, you will need to exchange currency or use a card that handles the conversion for you.
You can exchange currency at banks, currency exchange offices (called kantors), or withdraw złoty from ATMs. Kantors are common in Polish cities and often offer competitive rates compared to airport exchange counters. ATM withdrawals give you złoty directly, but may include fees from both the ATM operator and your card issuer. Each method has a different fee structure and exchange rate markup.
A card funded from a crypto wallet converts a stablecoin balance to Polish złoty at the point of payment, following the same mechanism as in any non-Eurozone country. This removes the need to visit a physical exchange location or withdraw cash in advance. Nexus Pay is one such card, linked to a crypto wallet that supports funding across 6 networks, in-app coin swaps, and a Visa card for spending and ATM withdrawals in Poland.
If you hold crypto and want to spend in Poland, a crypto-funded card offers a direct conversion path without the need to sell crypto separately and transfer funds. If you prefer to exchange physical currency or withdraw cash, kantors and ATMs are widely available. For those who already hold złoty or prefer to manage currency in advance, traditional exchange methods may be more familiar. The best choice depends on your starting currency and spending habits.
Check the fee structure of your payment method, including any foreign transaction fees or ATM charges. Card payment is widely accepted in Polish cities, but having some cash can be useful in smaller towns or for certain types of purchases. Since Poland is in the EU and the Schengen area, border crossings with other Schengen countries are straightforward, though you will still need to handle currency conversion if coming from the Eurozone.
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