Personal Finance Tips

Top payment methods in Poland: A guide on best ways to pay

Nicholas Chia

08.09.25

Read time 2 minutes

Wondering what the most popular ways to pay are in Poland? Explore the top payment options and choose wisely.

Poland, with a population of around 36.56 million people, has a GDP of approximately 979.96 billion, making it the 20th largest economy in the world. The official currency of Poland is the Polish Złoty (PLN).

A diversified, high-income economy driven by manufacturing (automotive, machinery), services, and agriculture. As a member of the European Union, its economy is deeply integrated with the EU single market, especially with Germany.


Country	Poland
Population	36.56 million
GDP (USD)	979.96 billion
Global Ranking	20th
Currency	Polish Złoty (PLN)

What is the main payment method in Poland?

The Polish payment market is dominated by BLIK, a unique mobile payment system that allows users to pay online and in-store, withdraw cash, and make P2P transfers using a six-digit code generated in their banking app.¹ For in-store payments, debit and credit cards with contactless functionality are ubiquitous.² Leading online payment gateways like Przelewy24 and PayU are also popular, consolidating various methods including bank transfers and BLIK.³

How to pay in Poland

Each country has its own way of moving money, and choosing the right method can sometimes be difficult. That’s why we have curated the most popular and best payment options for you to use in Poland.

Payment method	Description	Type
Wise	Wise provides international money transfer services. It is known for offering transparent, low-cost currency exchange rates and fast transfers. Wise uses the real mid-market exchange rate and charges a small, upfront fee, making it a cost-effective alternative to traditional banks for sending money abroad. The platform also offers multi-currency accounts, allowing users to hold and manage money in multiple currencies.	Online/in-person
BLIK	BLIK is a unique and dominant mobile payment method. It allows users to pay online and in-store, withdraw cash, and make P2P transfers by generating a 6-digit code in their banking app.¹	Online/in-person
Cards (Visa, Mastercard)	Debit and credit cards are a primary payment method, with contactless payments being nearly universal for in-person transactions.²	Online/in-person
Bank Transfers (Przelewy24)	Instant bank transfers are a very popular e-commerce payment method. Gateways like Przelewy24 facilitate these seamless, real-time payments.³	Online
Cash (Złoty)	While Poland has a modern digital payment ecosystem, cash is still widely used and valued by a large segment of the population for daily purchases.	In-person

Is PayPal available in Poland?

Yes, PayPal is accepted in Poland.⁴

Cover all your international travel expenses with the Wise Multi-Currency Card

Whatever you need to buy during your trip, whether it’s a travel adapter, train ticket or an extra bottle of sunscreen, the Wise Multi-Currency Card has you covered.

You can spend like a local in 150+ countries, as this clever contactless card automatically converts currency at the mid-market exchange rate whenever you spend - for just a small conversion fee.

And for extra convenience, you can add your Wise Multi-Currency Card to your Google Wallet or Apple Wallet. Then you can travel even lighter and pay using just your phone, with no need to pack the physical card.

Get started with Wise

*Wise is not a bank. The Wise Multi-Currency Card is issued by our sponsor Bank(s), member(s) FDIC. Fees and T&C apply. See https://growth-layer.live/a%3E for details.

Sources:

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.