Fee-free ATMs in Warsaw
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 Warsaw?
| ATM / operator | Operator fee | ATMs |
|---|---|---|
| Bank PekaoNearest: 130 m | free | 22 |
| Bank MillenniumNearest: 390 m | free | 15 |
| Euronet / independent operatorNearest: 10 m | PLN 8.59–21.97 | 134 |
| PKO Bank PolskiNearest: 70 m | PLN 20 | 31 |
| Planet Cash (ITCard)Nearest: 330 m | unclear | 44 |
| Bank ATMs (default)Nearest: 190 m | unclear | 28 |
| Operator unknownNearest: 1.8 km | unclear | 1 |
FAQ
Can you withdraw cash for free in Warsaw?
Yes, but only at some ATMs. 37 of the 275 ATMs within 2 km of the centre of Warsaw have no known operator fee. The closest is Bank Pekao, 130 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 Warsaw?
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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