List of banks from Poland offering free ATM withdrawals and spending worldwide?

Namely, debit cards & current accounts offering

- No fixed ATM fees
- No % fee added to foreign withdrawals and spending?

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.

- Oh, it is also important that they can send a card abroad (in the rare case I lose it and need a replacement for travels). Some of these newer Internet only banks cannot do it Strange.

- I rather pay a fixed monthly fee rather than a per withdrawal fee but it can be totally free as well
- Not a 'salary account', eg. free only when you deposit/use card monthly

Welcome!

Just to add some clarification (for the moderation team): I am asking about Polish bank accounts and cards.

Back in the day the <30 account with WBK had free ATM withdrawals. But now it's only the salary account with that (it's not much though, only need to put in 1kPLN per month). I know M-Bank is currently advertising free withdrawals but I haven't looked into the details.

As for foreing transactions, unfortunately I'm not your guy as I have bank accounts abroad and I just send money there and spend using a local card.

but it's not so simple to choose proper bank, because withdrawing money can be free, but only if you have PLN card. Then they charge you for money exchange and exchange rates vary quite a lot. There is even difference in the way how many times bank does currency conversion: some do 2 times when you use the card for example in Turkey: PLN -> EUR -> TRY, while other do one exchange PLN -> TRY.

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?

I don't know how much of a representation they have in Poland, but banks in Global ATM Alliance do not charge ATM fees.

Global ATM Alliance:

Bank of America (USA)
BNP Paribas (France)
BNL Banca Nazionale Del Lavoro (Italy)
Barclays United Kingdom (England)
Deutsche Bank (Germany)
Scotiabank (Canada and the Caribbean)
Westpac Bank (Australia and New Zealand)

God, how mean can you get. Paying 5 PLN on an ATM withdrawal will bankrupt you?

I don't know about you, but I go to the bank machine two or three times a week. At 5zl per time, that would add up to about 650zl per year.


Try Alior: free ATM use all over the world, but there are monthly fees if you don't have at least 2,000zl per month paid into the account.

aliorbank.pl/en/individuals/accounts/wise_account/

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.

Why not have a Polish number for that?


That would most probably cost you quite a bit.


Happy to help.

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.

Merged: Multi Europe Bank in Poland

Is there any Bank in Poland that can be used deposit and withdrawal facility other eu Countries...

try HSBC BANK