Poland uses the Polish zloty (PLN/zł), not the Euro. As of 2026, 1 EUR = approximately 4.3 PLN, 1 USD = approximately 4.0 PLN.
Cards vs. cash: Krakow is largely card-friendly — Visa and Mastercard are accepted almost everywhere, including taxis, restaurants, and even some market vendors. Contactless payment is universal. However, carry some cash for: small street food vendors (obwarzanki carts, some zapiekanka windows), Stary Kleparz market, the occasional small bar, and tipping.
ATMs: use bank-owned ATMs (Euronet is the expensive tourist-trap option — avoid it). Look for ATMs attached to actual banks: PKO BP, mBank, ING, Santander. ALWAYS choose to be charged in PLN, not your home currency — the "Dynamic Currency Conversion" (DCC) offered by some terminals adds a 5-8% hidden fee.
Currency exchange: Kantor (exchange offices) in the Old Town offer competitive rates — compare a few before exchanging. The ones on side streets are usually better than those on Florianska. Never exchange money on the street or with individuals — this is always a scam.
Tipping: 10% is standard at sit-down restaurants if service isn't included. Round up for taxis, cafes, and bar tabs. Tipping is not expected at fast food, milk bars, or self-service places. In finer restaurants, 10-15% is appreciated.
Budget guide: a budget day in Krakow (milk bar meals, free attractions, public transport) costs around 150-200 PLN. A moderate day (sit-down restaurants, paid museums, a few drinks) runs 400-600 PLN.
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