DCC and other traps: how Poles lose money at foreign ATMs and card terminals

The biggest financial trap for Polish tourists abroad is Dynamic Currency Conversion (DCC), which allows payment terminals to convert transactions into Polish zloty at an unfavourable exchange rate instead of settling in the local currency. Currency specialist Łukasz Paszkiewicz advises always choosing to pay in the local currency and avoiding tourist-area ATMs that charge high fees. A moment of inattention can cost several hundred zloty on a single transaction.

More on this topic

📈 Business GBP/PLN rate on 23 July 2026: £1 = 5.07 zł Money.pl · 2h ago 📈 Business Swiss franc rate stands at 4.66 PLN on 23 July 2026 Money.pl · 2h ago 📈 Business Polish zloty holds steady despite Middle East tensions — minimal rate moves Rzeczpospolita · 1d ago 🚗 Cars Driving a leased car to Czech Republic? Police can seize your plates naTemat · 3d ago 📈 Business Polish złoty weakens against dollar and euro but rebound possible Interia Biznes · 3d ago 📈 Business Polish zloty ends the week weak — euro at 4.35, dollar near 3.80 PLN Interia Biznes · 6d ago

More on this topic

📈 Business GBP/PLN rate on 23 July 2026: £1 = 5.07 zł Money.pl · 2h ago 📈 Business Swiss franc rate stands at 4.66 PLN on 23 July 2026 Money.pl · 2h ago 📈 Business Polish zloty holds steady despite Middle East tensions — minimal rate moves Rzeczpospolita · 1d ago