This is a wiki crowdsourced by the Monzo Community to help you travel with Monzo.
Just like Wikipedia, anyone can edit it to help out others. If you have any tips or feedback for visiting Poland with Monzo, please feel free to edit this guide. You can also add a comment or question below — someone will then incorporate your comment into the main text below and then delete your comment. To create your own “Monzo in …” guide if one doesn’t already exist, just copy this template into a new post and write away!
Poland uses Polish Zloty, PLN.
Price tags often use “zł” as currency acronym, for example 5zł or 10zł/kg.
Monzo users pay the Mastercard exchange rate with no added fees.
Chip+PIN payments are universally accepted in any POS and majority of retailers will accept contactless payments. Note that you will have to give your card to the cashier in many cases for chip transactions.
Card payments widely accepted in shops, cafes, restaurants, pubs, bakeries, ticket machines, train stations.
Highly recommended - Euronet ATMs are very user friendly, give an option to use English language and allow to decline their currency conversion.
ATM are easy to find, especially in city centres. Most ATMs do not charge any fees (if you have more info, tell us!).
Please note that it’s common for ATMs to be inside bank, so you have to actually walk in.
Payment and withdrawal limits
In the event that you do use Contactless payment the limit is only 50zł (about £10) and any payments above this will require the entry of a PIN.
All Monzo cards have some payment and withdrawal limits. To check yours before you leave, go to your Profile section of the app and tap on Limits.
Crowdsourced merchant data
As a less popular tourist destination than many countries, the Monzo merchant data is sometimes incorrect (eg. the map shows the wrong location or the name of the place is not correct). Please submit improvements to this data so it can get better for future visitors.
Certain taxi companies in bigger cities slowly started to accept card payments.
Traditional open air markets and other types of street vendors rarely accept card payments.
Users reported cases of dynamic currency conversion or eService Payment Acceptance selected as default. Please insist on paying in PLN whenever possible, otherwise you are missing out on nearly unbeatable Monzo’s Mastercard currency exchange rate.
Pay at the pump Shell station was reported as working fine.
Offline terminals are uncommon.