Money & Exchange

1. Gdzie jest bankomat?

   gdjeh yest ban-KO-mat?

   Where is the ATM?

   Usage

   Basic phrase to ask for the location of an ATM

   Grammar Note

   "Bankomat" combines "bank" and "automat". PKO, Pekao, and other bank ATMs are widely available across Poland

2. Gdzie mogę wymienić walutę?

   gdjeh MO-geh vy-MYEH-nich va-LOO-teh?

   Where can I exchange currency?

   Usage

   Finding a place to exchange foreign currency into Polish złoty (PLN)

   Grammar Note

   Poland is in the EU but uses złoty (PLN), not euros. Licensed exchange offices (kantor) often offer better rates

3. Czy mogę zapłacić kartą?

   chi MO-geh za-PWA-chich KAR-toh?

   Can I pay by card?

   Usage

   Checking whether a shop or restaurant accepts card payment

   Grammar Note

   "Kartą" is the instrumental form of "karta". Poland is highly card-friendly; contactless payment is widely accepted

4. Jaki jest kurs wymiany?

   YA-ki yest koors vy-MYA-ny?

   What is the exchange rate?

   Usage

   Asking about the current exchange rate at a currency exchange office

   Grammar Note

   "Kurs wymiany" means exchange rate. Always check whether a "prowizja" (commission) applies at kantor offices

5. Czy napiwek jest wliczony?

   chi na-PEE-vek yest vlee-CHO-ny?

   Is the tip included?

   Usage

   Checking at a restaurant whether a service charge or tip is included in the bill

   Grammar Note

   Tipping in Poland is typically 10–15%. Some bills include "obsługa" (service charge) already

6. Poproszę o paragon

   po-PRO-sheh o pa-RA-gon

   Could I have a receipt, please?

   Usage

   Requesting a receipt after a purchase or meal

   Grammar Note

   "Paragon" is the till receipt. "Faktura" is a full VAT invoice, used for business expenses

7. Ile to kosztuje?

   EE-leh to kosh-TOO-yeh?

   How much does this cost?

   Usage

   Standard phrase to ask the price of an item or meal

   Grammar Note

   "Kosztuje" is the 3rd person singular of "kosztować" (to cost). "Ile to wszystko kosztuje?" asks for the total

8. Czy mogę dostać resztę?

   chi MO-geh DOS-tach RESH-teh?

   Could I get change?

   Usage

   Used when you need change or have paid with a larger note

   Grammar Note

   "Reszta" literally means "remainder". "Proszę resztę" also works. Poland sometimes has a shortage of small coins

9. Czy można zapłacić w euro?

   chi MOZH-na za-PWA-chich v EH-oo-ro?

   Can I pay in euros?

   Usage

   Checking if euros are accepted in Poland, which does not use the euro

   Grammar Note

   "Można" is an impersonal modal meaning "it is possible". Some tourist spots accept euros but at unfavorable rates

10. Czy jest opłata za wypłatę gotówki?

    chi yest o-PWA-ta za vy-PWA-teh go-TOOF-ki?

    Is there a fee for cash withdrawal?

    Usage

    Checking whether a fee applies when withdrawing cash at an ATM or bank

    Grammar Note

    "Za" is followed by the accusative. Foreign ATMs often charge high fees; using bank-affiliated ATMs is recommended

11. Kaucja

    KOW-tsyah

    Deposit

    Usage

    A refundable deposit paid at check-in for hotels or rentals

12. Zwrot

    zvrot

    Refund

    Usage

    Used when asking for money to be returned

13. Przedpłata

    pshed-PWA-ta

    Prepayment

    Usage

    Used to indicate money paid in advance, e.g. at booking

14. Dopłata

    do-PWA-ta

    Extra charge

    Usage

    Used to indicate an additional charge added later

15. Opłata za usługę

    o-PWA-ta za oo-SWOO-geh

    Service fee

    Usage

    Used to indicate a fee charged for a service or procedure

16. Gotówka

    Cash

    Usage

    Show this to indicate how you will pay; "I'll pay cash" is "Płacę gotówką"

17. Karta płatnicza

    Payment card

    Usage

    Show this to pay by card; "karta" alone can mean a menu or any kind of card, so say "karta płatnicza" when paying

18. Płacimy osobno

    We're paying separately

    Usage

    Show this to have the bill split; splitting is common and unproblematic in Polish restaurants

19. Płacimy razem

    We're paying together

    Usage

    Show this to have everything put on one bill

20. Za drogie

    Too expensive

    Usage

    Show this to signal the price is too high, e.g. haggling at a market or with a taxi

21. Reszta

    Change (money back)

    Usage

    Show this to ask for your change; the same word also means "the rest", but at a till it means change. "Keep the change" is "Reszty nie trzeba"

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