Edition: Best debit cards for paying abroad from Poland — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: N26 — N26 Go, scored 9.1/10. Monthly fee EUR 9.9; card payments in another currency: 0% (Visa/Mastercard or market rate). We compared 10 products; data checked 2 October 2026. Second place: Millennium — Konto Millennium 360° (8/10). The order comes only from the published scores, never from commission — details below.
Best debit cards for paying abroad from Poland — October 2026 ranking
Data checked 2 October 2026
Paying abroad with a Polish debit card usually means weighing a monthly fee against the currency conversion charge applied at the point of sale. Some providers publish a clear percentage, while others only describe their own exchange rate without a stated margin.
This comparison looks at several debit cards used for spending or shopping in foreign currencies, ranked by a published score that weighs fees, conversion costs, cash withdrawal terms and deposit protection together.
Where a provider does not publish a figure, such as a monthly fee or a cash withdrawal condition, this is noted rather than guessed, and readers are pointed to the provider’s terms for confirmation.
N26 — N26 Go
N26 Go takes the top spot, combining a published conversion rate with clear cash withdrawal terms and strong deposit protection.
- Monthly fee
- EUR 9.9
- Card currency conversion
- 0% (Visa/Mastercard or market rate)
- Cash withdrawals
- EUR: 5 free withdrawals a month, then €2 each; other currencies (e.g. PLN): no N26 fee
- Licence and protection
- bank (Germany) — deposits protected up to EUR 100,000
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Card currency conversion: 0% (Visa/Mastercard or market rate)
- Cash withdrawals abroad: „EUR: 5 free withdrawals a month, then €2 each; other currencies (e.g. PLN): no N26 fee”
- Licence and protection: „bank (Germany) — deposits protected up to EUR 100,000”
Watch out for
- Monthly fee: EUR 9.9
Millennium — Konto Millennium 360°
Konto Millennium 360° offers no monthly fee and a threshold-based conversion rate, placing it second overall.
- Monthly fee
- PLN 0
- Card currency conversion
- 0% up to PLN 5,000 a month, then 2% (Visa/Mastercard rate)
- Cash withdrawals
- PLN 0 or PLN 5 (the fee table does not say which applies when)
- Licence and protection
- bank (Poland) — BFG protection up to EUR 100,000
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee: PLN 0
- Card currency conversion: 0% up to PLN 5,000 a month, then 2% (Visa/Mastercard rate)
- Licence and protection: „bank (Poland) — BFG protection up to EUR 100,000”
Watch out for
- Cash withdrawal fee is listed as „PLN 0 or PLN 5 (the fee table does not say which applies when)”; readers should check the provider’s terms for when each rate applies.
Revolut — Revolut Standard
Revolut Standard matches Millennium’s score with a similar fee-free monthly allowance before conversion charges apply.
- Monthly fee
- PLN 0
- Card currency conversion
- 0% up to PLN 5,000 a month, then 1% (Revolut rate)
- Cash withdrawals
- up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5)
- Licence and protection
- bank (Lithuania) — deposits protected up to EUR 100,000
Why it ranks here
- Monthly fee: PLN 0
- Card currency conversion: 0% up to PLN 5,000 a month, then 1% (Revolut rate)
- Licence and protection: „bank (Lithuania) — deposits protected up to EUR 100,000”
Watch out for
- Cash withdrawal allowance: „up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5)”
bunq — bunq Elite
bunq Elite ranks fourth, with a small conversion markup offset by one of the highest monthly fees on this list.
- Monthly fee
- EUR 18.99
- Card currency conversion
- 0.5% markup on the Mastercard rate (when markets are open)
- Cash withdrawals
- first 6 withdrawals a month free, then a fee per bunq price list
- Licence and protection
- bank (Netherlands) — deposits protected up to EUR 100,000
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Card currency conversion: 0.5% markup on the Mastercard rate (when markets are open)
- Cash withdrawals: „first 6 withdrawals a month free, then a fee per bunq price list”
- Licence and protection: „bank (Netherlands) — deposits protected up to EUR 100,000”
Watch out for
- Monthly fee: EUR 18.99
- The conversion markup applies only when markets are open; readers should check the provider’s terms for other times.
UniCredit — Konto osobiste UniCredit
Konto osobiste UniCredit combines no monthly fee with no bank fee on cash withdrawals abroad.
- Monthly fee
- PLN 0
- Card currency conversion
- 0.5% margin (0% for EUR and other listed pairs), interbank rate
- Cash withdrawals
- no bank fee
- Licence and protection
- bank (Poland) — BFG protection up to EUR 100,000
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee: PLN 0
- Cash withdrawals: „no bank fee”
- Card currency conversion: 0.5% margin (0% for EUR and other listed pairs), interbank rate
Watch out for
- The margin in 0.5% margin (0% for EUR and other listed pairs), interbank rate does not apply to all currency pairs; readers should check the provider’s list.
Klarna — Klarna Core
Klarna Core offers a conversion rate without an extra fee, though cash withdrawals are not part of the service.
- Monthly fee
- PLN 9
- Card currency conversion
- no extra fee (Visa reference rate)
- Cash withdrawals
- cash withdrawals not available
- Licence and protection
- bank (Sweden) — deposits protected up to SEK 1,150,000
Why it ranks here
- Card currency conversion: no extra fee (Visa reference rate)
- Licence and protection: „bank (Sweden) — deposits protected up to SEK 1,150,000”
Watch out for
- Monthly fee: PLN 9
- Cash withdrawals: „cash withdrawals not available”
ZEN — ZEN Platinum
ZEN Platinum ties Klarna’s score, operating as an e-money institution rather than a bank.
- Monthly fee
- PLN 9.99
- Card currency conversion
- ZEN Rate + 0%; +0.4% outside FX market hours (ZEN’s own rate)
- Cash withdrawals
- free up to PLN 3,600 a month, then 1.5%
- Licence and protection
- e-money institution (Lithuania) — no deposit guarantee
Why it ranks here
- Card currency conversion: ZEN Rate + 0%; +0.4% outside FX market hours (ZEN’s own rate)
- Cash withdrawals: „free up to PLN 3,600 a month, then 1.5%”
Watch out for
- Monthly fee: PLN 9.99
- Protection: „e-money institution (Lithuania) — no deposit guarantee”
mBank — Visa Podróże
Visa Podróże scores lower partly because some figures, such as the monthly fee, are not published.
- Card currency conversion
- 0% (provider’s own rate)
- Cash withdrawals
- 0 zł
- Licence and protection
- bank (Poland) — BFG protection up to EUR 100,000
Why it ranks here
- Card currency conversion: 0% (provider’s own rate)
- Cash withdrawals: „0 zł”
- Licence and protection: „bank (Poland) — BFG protection up to EUR 100,000”
Watch out for
- Monthly fee is not listed in the published facts; readers should check the provider’s terms directly.
Pekao — Promocja Podróżna
Promocja Podróżna has no monthly fee but a higher conversion charge than most other options on this list.
- Monthly fee
- PLN 0
- Card currency conversion
- 1.35%
- Cash withdrawals
- 2,5% min 6 zł / 0 zł
- Licence and protection
- bank (Poland) — BFG protection up to EUR 100,000
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee: PLN 0
- Licence and protection: „bank (Poland) — BFG protection up to EUR 100,000”
Watch out for
- Card currency conversion: 1.35%
- Cash withdrawal fee: „2,5% min 6 zł / 0 zł”; readers should check which rate applies in the provider’s terms.
Alior — Konto dla młodych
Konto dla młodych finishes last in this list despite no monthly fee and no conversion fee.
- Monthly fee
- PLN 0
- Card currency conversion
- 0%
- Cash withdrawals
- 5 zł – 0 zł z aktywną korzyścią
- Licence and protection
- bank (Poland) — BFG protection up to EUR 100,000
Why it ranks here
- Monthly fee: PLN 0
- Card currency conversion: 0%
- Licence and protection: „bank (Poland) — BFG protection up to EUR 100,000”
Watch out for
- Cash withdrawal fee: „5 zł – 0 zł z aktywną korzyścią”; readers should check the provider’s terms for the conditions of the lower fee.
- The overall score here is the lowest on the list, which often reflects fewer published figures rather than confirmed extra costs.
Side by side
| # | Product | Monthly fee | Card currency conversion | Cash withdrawals | Licence and protection | Score |
|---|---|---|---|---|---|---|
| 1 | N26 — N26 Go | EUR 9.9 | 0% (Visa/Mastercard or market rate) | EUR: 5 free withdrawals a month, then €2 each; other currencies (e.g. PLN): no N26 fee | bank (Germany) — deposits protected up to EUR 100,000 | 9.1 |
| 2 | Millennium — Konto Millennium 360° | PLN 0 | 0% up to PLN 5,000 a month, then 2% (Visa/Mastercard rate) | PLN 0 or PLN 5 (the fee table does not say which applies when) | bank (Poland) — BFG protection up to EUR 100,000 | 8 |
| 3 | Revolut — Revolut Standard | PLN 0 | 0% up to PLN 5,000 a month, then 1% (Revolut rate) | up to 5 withdrawals or PLN 800 a month free, then 2% (min. PLN 5) | bank (Lithuania) — deposits protected up to EUR 100,000 | 8 |
| 4 | bunq — bunq Elite | EUR 18.99 | 0.5% markup on the Mastercard rate (when markets are open) | first 6 withdrawals a month free, then a fee per bunq price list | bank (Netherlands) — deposits protected up to EUR 100,000 | 7.9 |
| 5 | UniCredit — Konto osobiste UniCredit | PLN 0 | 0.5% margin (0% for EUR and other listed pairs), interbank rate | no bank fee | bank (Poland) — BFG protection up to EUR 100,000 | 7.5 |
| 6 | Klarna — Klarna Core | PLN 9 | no extra fee (Visa reference rate) | cash withdrawals not available | bank (Sweden) — deposits protected up to SEK 1,150,000 | 6.9 |
| 7 | ZEN — ZEN Platinum | PLN 9.99 | ZEN Rate + 0%; +0.4% outside FX market hours (ZEN’s own rate) | free up to PLN 3,600 a month, then 1.5% | e-money institution (Lithuania) — no deposit guarantee | 6.9 |
| 8 | mBank — Visa Podróże | not disclosed | 0% (provider’s own rate) | 0 zł | bank (Poland) — BFG protection up to EUR 100,000 | 6.7 |
| 9 | Pekao — Promocja Podróżna | PLN 0 | 1.35% | 2,5% min 6 zł / 0 zł | bank (Poland) — BFG protection up to EUR 100,000 | 5.4 |
| 10 | Alior — Konto dla młodych | PLN 0 | 0% | 5 zł – 0 zł z aktywną korzyścią | bank (Poland) — BFG protection up to EUR 100,000 | 5.3 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- Currency conversion fee on card payments50%
- Cash withdrawals25%
- Monthly fee15%
- Deposit protection10%
Questions
What does ‘card currency conversion’ mean on this list?
It refers to the fee or markup applied when a card payment is made in a currency other than the account’s base currency. Some providers list this as a percentage, others describe it as their own rate without a separate charge.
Why do some cards have a lower score despite having no monthly fee?
The score reflects several factors together, not just the monthly fee. A card can score lower if other details, such as cash withdrawal conditions or deposit protection, are unclear or not published.
Are all these cards covered by deposit protection?
Most are issued by banks with deposit protection up to a stated limit, as shown in each entry. ZEN Platinum is issued by an e-money institution, which the provider states does not carry a deposit guarantee.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
