Money & payments in Poland — what locals actually use

Apps, local services, useful places and traveler tips — the practical answer, in one place.Banking and money apps

10 picksUpdated May 4, 2026

Quick answer

Cards work in most places in Poland, but check which local wallet and contactless method are actually accepted before you arrive. Always carry a small amount of cash as backup.

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Tools locals use

Apps, websites and services we've vetted for money & payments in Poland.

Tools locals use

10 picks

10 results

Official site

Wise (formerly TransferWise)

A global technology company that facilitates international money transfers and offers insights on corporate taxation for international expansion in Belgium.

App

BLIK

A Polish mobile payment system allowing instant payments, ATM withdrawals, and online purchases using a one-time code.

App

mBank (and other bank apps)

Mobile banking application for mBank, a leading Polish digital bank. Represents the general trend of strong mobile banking app usage.

App

Revolut

Revolut, primarily a financial super app, also offers eSIM plans for prepaid data in Mozambique and other countries, integrated within its banking services.

App

PayPal

A widely used online payment system for secure purchases and sending money.

App

Western Union

Another major global player for international money transfers, offering services for sending and receiving funds.

App

Google Pay

A digital wallet platform and online payment system developed by Google to power in-app, online, and in-person contactless purchases on mobile devices.

App

Apple Pay

A mobile payment and digital wallet service by Apple, allowing users to make secure payments in stores, apps, and on the web with their Apple devices.