Payment methods in Poland: Best ways to pay & send money abroad

Introduction

Poland is one of Europe’s fastest-developing economies, with a rapidly growing digital payment ecosystem. In recent years, debit and credit cards, as well as mobile wallets, have become the preferred payment methods for everyday use. At the same time, demand for international transfers has risen, driven by students, migrant workers, and business transactions.

For those looking to send money abroad, PandaRemit provides a secure, fast, and low-cost international remittance solution directly from Poland.

Why Payment Methods Matter in Poland

With the rise of e-commerce and digital services, understanding payment methods in Poland is essential for both locals and visitors. Domestic payments rely heavily on cards and mobile wallets, while cash use is declining. However, when it comes to international transfers, traditional banks are often slow and expensive—this is where PandaRemit makes a difference.

Key stats:

• Population: ~37 million
• GDP (USD): ~$880 billion
• Currency: Polish Zloty (PLN)

Country Overview Table

Main Local Payment Methods in Poland

1. Debit & Credit Cards (Visa, Mastercard, Maestro)

   • Widely used for both in-person and online payments. Contactless card transactions are especially popular.

2. Mobile Wallets (BLIK, Apple Pay, Google Pay)

   • BLIK is Poland’s most iconic local mobile payment solution, linked directly to bank accounts.
   • Apple Pay and Google Pay are increasingly adopted, especially among younger users and international residents.

3. Bank Transfers

   • Domestic transfers are fast and low-cost, commonly used for bills and personal payments.

4. Cash

   • While cash use is decreasing, it is still accepted in small shops, rural areas, and certain services.

International Transfers from Poland

Domestic payments are efficient, but international transfers through traditional banks often involve high fees and long waiting times.

PandaRemit offers a better way to send money abroad from Poland:

• Lower fees compared to banks.
• Fast, reliable, and secure transfers.
• Convenient payment via cards or bank accounts.

For individuals and families in Poland who need cross-border payments, PandaRemit is the go-to solution.

How to Pay in Poland (Table)

FAQ

1. Is PayPal available in Poland?
Yes, PayPal is available but less popular than BLIK or card payments.

2. Are credit cards widely accepted in Poland?
Yes, credit and debit cards are widely accepted across the country.

3. Do people still use cash in Poland?
Cash usage is declining, but it remains common in rural areas and small businesses.

4. How can foreigners pay easily in Poland?
Foreigners can pay using international bank cards, Apple Pay, or Google Pay with ease.

5. How to send money internationally using PandaRemit from Poland?
Simply download the PandaRemit app or visit the website, register an account, select the destination country, and pay using a card or bank account to send money securely and at low cost.

Conclusion

Poland’s payment ecosystem is modern and digital-driven, with cards, BLIK, and mobile wallets dominating everyday use, while cash continues to decline.

When it comes to sending money from Poland abroad, PandaRemit is the most reliable solution. It offers low-cost, secure, and fast international transfers, making cross-border payments easier than ever.