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money

earn it, spend it, repeat; here's how to spend it in Poland.

- how much will I need per day?
- what is the Polish currency?
- can I pay by card in Poland?



contents

budgeting

budgeting

Polish złoty

Polish złoty

cash and card

cash and card

budgeting


Budgeting is perhaps the single most important aspect of travel, perhaps after safety. In this chapter, you will learn how much accommodation and restaurants cost in Poland, as well as how much you are likely to spend per day depending on your style of travel.

daily budget

Please note that the below is only an estimate and therefore applies to all of Poland (Polish cities and countryside cost approximately the same to travel in). The prices are per person, based on double occupancy.



The above assumes v. low-budget accommodation to be a shared dormitory bed, low-budget accommodation to be a private AirBnB room, mid-bugdet accommodation to be a 3-star hotel room, and high-budget accommodation to be a 5-star hotel room.

The food row above assumes low-cost groceries for the v. low-budget option, a mix of groceries and cheap eats for the low-budget option, mid-level restaurants for the mid-budget option, and high-level restaurants for the high-budget.

As for the transport row, it assumes public transport for the low-budget options, a mix of public transport and Uber for the mid-budget option, and Ubers/taxis for the high-level option. Here, please note that a typical one-way public transport ticket costs 3.5 zł [0.8 EUR], while a typical Uber ride costs 15 zł [3.4 EUR].

AirBnB in Poland

Numbeo's cost of living index

restaurant prices

Restaurants are very inexpensive in Poland. There are, of course, large differences between cheap and expensive restaurants. However, for a mid-level restaurants, you can expect to pay an average 20 zł [4.3 EUR] for a starter, 35 zł [8.1 EUR] for a main course, 15 zł [3.5 EUR] for a dessert, and 10 zł [2.2 EUR] for drinks.

Below are sample menus from a cheap and a more expensive restaurant.

cheap restaurant menu

expensive restaurant menu

grocery prices

There is little to no difference between the prices in various classes of supermarkets. Therefore, the below applies to all supermarkets in all areas of the country.
meat
A kilogram of chicken costs 17 zł [3.9 EUR], steak costs 45 zł [10 EUR]/kg, and pork costs 16 zł [3.7 EUR] per kilogram. A kilogram of fish costs 40 zł [9.2 EUR]. Ham costs approximately 4.5 zł [1 EUR] for a 6-slice pack.
cheese
Regular cheese costs 4.5 zł [1 EUR] for an 8-slice pack. More fancy cheeses cost around 60 zł [13.9 EUR] per kilogram.
bread
Bread is very cheap in Poland and never costs more than 10 zł [2.3 EUR] per loaf, and typically less than half of that.
sweets and chips
Snacks generally cost up to 7 zł [1.6 EUR] per typical portion. Note that chips are generally a bit more expensive than sweets.
drinks
Drinks cost up to 4.5 zł [1 EUR], and water typically costs less than 2 zł [0.5 EUR] per liter.

cheese prices

vegetable prices


Polish złoty


Poland's currency is the Polish złoty, zł for short, with PLN being the official abbreviation. One złoty is equal to 100 groszy. As most currencies, it consists of coins and notes. The coins are: 1 groszy, 2 groszy, 5 groszy, 10 groszy, 20 groszy, 50 groszy, 1 złoty, 2 złoty, and 5 złoty. The notes are: 10 złoty, 20 złoty, 50 złoty, 100 złoty, 200 złoty, and 500 złoty (though 500 złoty is very rarely used and you are very unlikely to see it). To avoid confusion as to which banknotes are currently valid, below is a gallery of all valid coins and banknotes.

1 groszy

2 groszy

5 groszy

10 groszy

20 groszy

50 groszy

1 złoty

2 złoty

5 złoty

10 złoty

20 złoty

50 złoty

100 złoty

200 złoty

Out of the coins and banknotes above, you are most likely to use the 1, 2, and 5 złoty coins and the 10, 20, 50, and 100 złoty banknotes. The groszy coins are not used by tourists very much (because they're a hassle), and the 200 and 500 złoty banknotes are rarer than the 100 złoty note.

We recommend that you do not carry more than 1000 złoty or withdraw more than 500 złoty at once. This is just common sense if you do not want to get robbed, just like in any country.


cash and card


Cash is accepted pretty much everywhere in Poland. The only exceptions may be modern parkingmeters, as well as modern in-vehicle public transport ticket machines - but this is very, very rare. As such, if you are unsure whether you will be able to pay by card, it's good to have some cash on you.

If you need to withdraw cash, there are secure ATM machines all over cities, also small ones. They are often close to banks, malls, and shops. However, we do not recommend PlanetCash ATMs, as their fees are quite high. The cash withdrawal fees in Poland are approximately the same as in the rest of Europe - you will never pay more than 5% in currency conversion fees, and the number is usually 2-3%.

shopping mall ATM

typical parkingmeter

Card payments are also completely popularized in Poland. This is, however, not to say that you can pay by card anywhere. There are a number of transactions that are difficult to conduct by card in Poland, namely revolving around: parkingmeters, in-vehicle public transport ticket machines, street food stands, street musicians, small grocery shops in villages, and taxis.

typical card terminal

cash-only traditional stand

Card payments are secure in Poland, and so are contactless payments (which are fully popularized). Poland is under EU regulations and oversight, and card payments are therefore as secure as in, say, Germany.