Currency in Poland - A Full Guide 2024
Planning a trip to Poland? Whether you’re heading there for work or pleasure, you’ll need to know how to pay your way as you travel.
This guide covers all you’ll need to know about the official currency in Poland, where to get it and how to keep your costs down during your trip.
What is the currency in Poland?
The official currency in Poland is the Polish Złoty, which is issued and overseen by the National Bank of Poland. If you’re buying your travel money online you may also see the official code being shown - PLN. In stores and restaurants, Polish Złoty prices are likely to use the currency symbol zł.
Once you’re in Poland you’ll see costs of items shown in PLN and you’ll need to start paying for things in local coins and notes which are often found in the following denominations:
banknotes - 10, 20, 50, 100, 200, 500 PLN and coins - 1, 2, 5, 10, 20, 50 grosz; 1, 2, 5 PLN.
Can you officially pay in SGD when you are in Poland?
You’re unlikely to be able to officially transact in SGD in Poland, which is why it’s time to start getting used to PLN and learning more about the currency exchange rates so you’ll know what you’re spending on your trip.
This guide will walk through all you need to know, including Singapore dollar/Polish Złoty rates and where best to get your travel money from.
|National Bank of Poland
|Best travel cards to take to Poland
PLN coins and banknotes
Here’s a full rundown of the PLN coins and banknotes you’ll need to be familiar with when you’re in Poland.
|banknotes - 10, 20, 50, 100, 200, 500 PLN
|coins - 1, 2, 5, 10, 20, 50 grosz; 1, 2, 5 PLN
History of Polish Złoty currency
The Polish Zloty (PLN), meaning 'golden', was introduced in the Middle Ages. Post-World War II, hyperinflation hit Poland, leading to a new zloty in 1950. Another redenomination in 1995 replaced the old zloty at a rate of 10,000 old for 1 new zloty, as a countermeasure to inflation and to stabilize the economy.
Is SGD accepted in Poland?
As we’ve seen, the official currency in Poland is PLN. If you carry SGD with you on your trip, you’ll probably need to exchange it before you can spend.
Sometimes when you’re away on a trip abroad you’ll find that merchants will take payments in a selection of major foreign currencies. However, the chances are that where this is offered, you won’t get a good exchange rate for your SGD. Planning smart and convenient ways to spend in PLN when you’re away is likely to mean you save on costs in the end.
Usually, having a few different ways to pay and get cash is the best option for travelers and tourists. That’s because you’ll have a back up plan in case one payment method isn’t accepted for any reason, and you can pick the method that’s best suited to the specific transaction. Having a multi-currency card from a provider like Wise or Revolut, plus your normal bank debit card, and some local cash in PLN should mean you’ve always got options. You can use your cash for small purchases and tipping, and make low cost payments and cash withdrawals with your multi-currency card, while keeping your bank card in reserve for emergencies.
Use a travel card on your next trip to Poland
Using a travel debit card in Poland is usually cheap, safe and convenient. A few providers in the UK offer multi-currency cards which come with a linked payment account that lets you convert, hold and spend in PLN. That allows you to add a balance in SGD and switch over to PLN to lock in the exchange rate and set your travel budget.
Once you have PLN in your account there are no extra fees to make payments, and you’ll not have foreign transaction charges to worry about, either.
Here’s a quick overview of a couple of handy travel debit cards you may want to order and use in Poland.
Wise travel card
Order a Wise travel card online or in the Wise app, to hold and exchange 40+ currencies and manage your money from your phone. You’ll be able to spend conveniently in PLN - and all currency exchange uses the mid-market rate with no markup.
Card holders get some free ATM withdrawals available every month, and there’s no annual or monthly fees to pay, and no minimum balance requirement.
✅ Currency exchange uses the mid-market rate
✅ No foreign transaction fees apply
✅ Free to hold and spend 40+ currencies
✅ Receive payments to your Wise account in a selection of global currencies
✅ No minimum balance or ongoing fees
❌ Card order fee applies
❌ ATM fees apply once you’ve exhausted your free monthly withdrawals
Revolut offers several different account plans so you can pick the one that suits your needs and spending, including some with no monthly fees. All account plans let you hold and exchange multiple currencies in the same account, and there’s no-fee to spend currencies you hold.
Depending on the plan you pick you’ll get fixed levels of no-fee ATM withdrawals and mid-market currency exchange every month. Low fees apply once you exhaust your plan no-fee limits.
✅ Hold and exchange a selection of global currencies, spend currencies you hold with no extra fee
✅ Choose from different account tiers to suit different customer needs
✅ Get some currency exchange every month which uses the mid-market rate - limits vary by account plan
✅ No card order fee
✅ Some account tiers have extra perks including travel benefits
❌ Ongoing fees apply for some account tiers
❌ No branch network for a face to face service
❌ Fees apply once you exhaust your account no-fee transaction limits
What is the currency exchange rate for £ 1 SGD/PLN?
It’s helpful to get to know the live SGD/PLN rate so you can easily calculate how much things are costing you while you’re on your trip abroad. The rate you need to focus on is the mid market rate, which is the one banks and major currency services get when buying and selling currencies. This rate isn’t always passed on to customers. Instead you may find that the SGD/PLN rate you get when exchanging travel cash includes a markup - an extra fee.
Find the SGD/PLN mid-market rate from a currency conversion site or a website like this, so you can keep an eye on the market and compare the rates you’re offered as you travel against the mid-market rate easily.
Should I exchange SGD to PLN before traveling to Poland?
It’s a good idea to exchange SGD to PLN before you head off to Poland, as you can often find a better exchange rate and lower overall costs before you travel.
When you’re in Poland you’re going to need PLN in cash for some of your spending - particularly when tipping or making smaller value purchases. Buying your PLN travel money in advance can get you better SGD/PLN exchange rates, and saves you wasting precious time shopping around for a good deal once you arrive in Poland.
Tips for exchanging money in Poland
Cards are widely accepted in Poland, but you’ll still need to watch the exchange rate given when making a transaction from SGD to PLN. Some merchants offer to let you pay in SGD instead of PLN, but this will usually mean paying more because of dynamic currency conversion costs.
Best place to exchange currency in Poland
You can get your PLN in Poland in a couple of ways.
Or if you prefer an offline solution you can carry some cash in SGD to exchange when you arrive. Currency exchange providers are often in airports and hotels, although the exchange shops in a city center are likely to be cheaper overall.
How to pay in Poland?
You’ll need to have PLN to spend in Poland. However, generally having a few different payment methods is a good plan. That means that if a merchant won't accept one, you’ve got a back up. It’s also reassuring to know you have a different way to pay if you were unlucky enough to have a card or some travel cash stolen. Here are your key payment options in Poland.
1. Debit or credit card
Card payments can be helpful in shops, restaurants and hotels but there will be places where cash is also important. Order a travel card from a provider like Wise or Revolut for cheap and fast transactions, including card payments and cash withdrawals as and when you need travel money in PLN.
2. PLN cash
Cash is widely used in Poland, so it’s worth having some with you at all times. You may want to exchange money to PLN before you leave, but it’s also usually convenient to make ATM withdrawals locally once you arrive in Poland.
You’ll usually find you can use a card to make payments in Poland, but carrying some cash in PLN is also reassuring. It’s often easier for tipping and making smaller purchases, plus you’ve got a nice backup if your card is ever out of action for some reason.
It’s a smart idea to have both a card and some cash in PLN when you’re in Poland. Some merchants will prefer cash, but having a card for higher value payments and in busier more tourist places is also convenient. Consider using a travel card from a provider like Wise or Revolut alongside your cash for flexibility.
Paying for the trip in SGD
If you’re paying for things in Poland with a SGD bank card you might find a foreign transaction fee is added. This pushes up your costs when you spend in a foreign currency, and can be tricky to calculate.
Travel debit cards don’t always work this way. When you make purchases in Poland using the Wise card you can either choose to convert your account balance to PLN in advance in the Wise app, or just leave your balance in SGD and let the card handle the transaction when you pay. You’ll always get the lowest available fee and there are no extra foreign transaction charges.
Conclusion - Currency in Poland
You won’t be able to pay in SGD when you visit Poland - so learning about the currency you need is essential. Whether you decide to use a travel debit card from a service like Wise , or stock up on PLN in cash in advance, knowing the mid-market exchange rate can help you get the best available deal. Use this guide to learn all you need to know about the options, rates and fees for exchanging SGD to PLN, and make your money go further while you’re away.
The official currency in Poland is PLN. You can’t usually pay in SGD in Poland, so you’ll need to plan in advance to get your travel money sorted. Consider ordering a travel debit card from a service like Wise, for low cost conversions to PLN and convenient spending and withdrawals - and remember that knowing the SGD to PLN mid-market exchange rate is essential to check you’re getting a fair deal on currency exchange.
FAQ - Currency in Poland
What is the currency in Poland called?
The official currency in Poland is the Polish Złoty. You may also see the code PLN and the currency symbol zł.
What's the currency in Warsaw?
The official currency in Warsaw is the Polish Złoty. You’ll only be able to spend in PLN while you’re there.
What is the old Poland currency?
Today the currency in Poland is the Polish Złoty. If you’re worried about currencies changing, why not get a travel debit card from a service like Wise which will automatically pick the currency needed in your destination when making a payment - with no penalties or inflated fees.
What is the best currency to take to Poland?
You’ll only be able to spend in PLN while you’re in Poland. Carrying some money in cash and using a travel debit card from a service like Wise is usually the best way to spend while you’re away from home.