Withdraw cash in Poland without ATM fees
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?
| ATM / operator | Operator fee | ATMs | Confidence |
|---|---|---|---|
| Bank PekaoSeveral reports from March to July 2026: no fee (decline the conversion). In September 2026, one report of PLN 21 at a single ATM. | free | 862 | low |
| Bank MillenniumReport March 2026: no fee. | free | 468 | low |
| Euronet / independent operatorIndependent operators usually charge €2 to €5 and push you towards expensive currency conversion (DCC). | PLN 8.59–21.97 | 3,742 | medium |
| PKO Bank PolskiReport June 2026: about PLN 20 (DKB and Revolut cards). | PLN 20 | 2,070 | low |
| Bank ATMs (default) | unclear | 3,828 | – |
| Operator unknownOperator not recorded in OpenStreetMap. | unclear | 1,064 | – |
| Planet Cash (ITCard)Independent network. Fee for foreign cards not documented. | unclear | 895 | low |
ATMs in popular places
FAQ
Can you withdraw cash for free in Poland?
It depends on the bank. In Poland, some bank ATMs are free and others charge a fee. Fee for foreign cards not yet documented.
Which ATMs are free in Poland?
According to our sources, no operator fee at: Bank Pekao, Bank Millennium. The map marks 1,330 ATMs with no known fee.
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 (DCC) often costs 5–10%.
How do I avoid ATM fees in Poland?
Fees are charged mainly by: PKO Bank Polski (PLN 20), Euronet / independent operator (PLN 8.59–21.97). The fee is shown on screen before the withdrawal, so you can still cancel. Use the ATMs marked as free on the map. Avoid Euronet and other independent operators, especially at airports and in tourist areas. Withdraw a larger amount once rather than small amounts several times, and check before your trip what your own bank charges for foreign withdrawals.
How up to date is this?
Fees were last checked on 2026-11-02. ATM locations come from OpenStreetMap. Fees can change; what counts is the screen at the ATM.
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