Law / List of banks from Poland offering free ATM withdrawals and spending worldwide? [12]


As the other option would be to stay cashless in a foreign country; I'd be happy to pay the modest fee if they send me the card abroad.


If the card can be replaced abroad; fine (see above). But a Polish SIM card is impossible to be replaced from abroad or even an Internet banking token is much more pain to replace than simply using a foreign SMS number which I might activate via phone banking. See more here: https://polishforums.com/law/poland-bank-account-use-sms-56848/#msg1411598

The only option is if the bank can send SMS codes to a foreign number.


I wanted to replace 'the only option' with 'my best bet'.

Not much time given here to edit your posts.

Law / List of banks from Poland offering free ATM withdrawals and spending worldwide? [12]


Sorry, moderator edited my first post.

So, lets remake my first post for clarity:

Important things:
- Bank can send an SMS code to a foreign number
- Can send replacement cards abroad later (the first card to Poland, obviously)
Some of these new Internet only banks cannot do these two things I assume, strangely

About the fee structure:
1st) No % fees on foreign card use like 1%, 2% 3%
2nd) The bank account does not have to be free (but it can be), I rather pay a fixed monthly fee for the account than a per ATM use fee. So no salary account', eg. free when you load monthly, I rather pay a modest monthly fee.

3rd) If I already paid a fixed monthly account fee I'd like to see free or cheap fixed per use ATM withdrawal fees
4th) Account can be either in PLN, EUR or USD

Probably I can find a full list of these banks on the comparison site offering this service. Then I can shop around by quality of service.

I ask the moderator to replace my first post with this. Thanks.

I have heard good things about Mbank. But given my criteria, especially about sending replacement cards abroad and using a foreign SMs number, I guess they are not my best bet. Correct?


That just might be what I need. Thank you button.

Law / Bank account in Poland which does not use SMS [13]

Polish banks which USE SMS - but can send the code to a foreign number as well?

I heard good things about Mbank in general. I guess they might not be the ones that can send SMs to a foreign number.

Law / List of banks from Poland offering free ATM withdrawals and spending worldwide? [12]

My understanding how these exchanges work: there is definitely one EUR or USD exchange in between PLN and TRY just because how Visa and MasterCard work. Maybe a USD or EUR account is worth trying?