Updated regulations governing the operation of currency exchange offices, currency exchange machines, and cashless currency exchange services have been in force in Poland since 2026.
For most customers, the currency exchange process itself remains virtually unchanged. The new regulations primarily affect companies providing these services.
The main objective of the reform is to standardize the requirements for different types of currency exchange services, increase market transparency, and ensure equal operating conditions for all market participants. At the same time, the regulations have been aligned with modern financial market standards.
What will change for currency exchange offices?
The new rules mainly apply to currency exchange machines and online currency exchange platforms. Their operations will now be regulated under principles similar to those that have long applied to traditional brick-and-mortar exchange offices.
For customers, this means that regardless of whether they exchange money at a physical exchange office, a currency exchange machine, or a licensed online platform, the transaction process will follow more consistent standards. However, it is still important to consider not only the exchange rate but also the reliability of the provider, the transparency of the terms, and the security of the transaction.
How to choose a reliable currency exchange office or online service?
The updated regulations draw a clearer distinction between companies operating under financial regulations and services that are outside government supervision. Currency exchange machines are now officially recognized as one form of licensed currency exchange service, while online platforms are subject to separate requirements regarding licensing and the safeguarding of customers' funds.
Before exchanging your money, it is worth checking:
- whether the company is officially registered and operates in accordance with the law;
- whether exchange rates and any applicable fees are clearly displayed and regularly updated;
- whether you receive a receipt or another confirmation of the transaction;
- whether the company's address, contact details, and business hours are publicly available;
- how long the company has been operating and what reviews its customers have left.
This quick check takes only a few minutes but can help you avoid unpleasant surprises. When using online exchange services, it is even more important to be cautious, as you cannot visit the office in person. Transparent terms of service, accessible customer support, and openly available company information are key indicators of a trustworthy provider.
Will ordinary customers notice the changes?
In practice, the reform mainly improves market oversight and regulatory procedures. Companies will be required to provide more detailed reporting, while currency exchange machines will be subject to the same inspections as traditional exchange offices. For customers, the practical takeaway is simple: verify the reliability of the provider in advance and always keep proof of every transaction.
In practice, the reform mainly improves market oversight and regulatory procedures. Companies will be required to provide more detailed reporting, while currency exchange machines will be subject to the same inspections as traditional exchange offices. For customers, the practical takeaway is simple: verify the reliability of the provider in advance and always keep proof of every transaction.
These regulations apply to everyone staying in Poland, regardless of nationality or residence status.
In Łódź, Kantor White Money already operates in full compliance with the current requirements. We publish up-to-date exchange rates, clearly explain the terms of every transaction, and provide confirmation for each exchange. Both cash and cashless currency exchange services are available. If you have any questions, our specialists will be happy to help you choose the solution that best suits your needs.