Fee-free ATMs in Kraków
Preview So far only Pekao, Millennium and PKO BP (traveller reports 2026) and Euronet are rated. The other banks are marked “?” until we have evidence.
Which ATMs cost what in Kraków?
| ATM / operator | Operator fee | ATMs |
|---|---|---|
| Bank PekaoNearest: 90 m | free | 11 |
| Bank MillenniumNearest: 460 m | free | 8 |
| Euronet / independent operatorNearest: 50 m | PLN 8.59–21.97 | 153 |
| PKO Bank PolskiNearest: 50 m | PLN 20 | 18 |
| Bank ATMs (default)Nearest: 440 m | unclear | 29 |
| Planet Cash (ITCard)Nearest: 360 m | unclear | 6 |
| Operator unknownNearest: 710 m | unclear | 3 |
FAQ
Can you withdraw cash for free in Kraków?
Yes, but only at some ATMs. 19 of the 228 ATMs within 2 km of the centre of Kraków have no known operator fee. The closest is Bank Pekao, 90 m away.
Should I pay in PLN or in my home currency?
If the ATM offers to charge you in your home currency, always choose PLN (without conversion). The ATM's own conversion often costs 5–10%.
How do I avoid ATM fees in Kraków?
Avoid mainly: Euronet / independent operator (PLN 8.59–21.97), PKO Bank Polski (PLN 20). Use the ATMs marked as free above and on the map. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
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