In 2026, updated regulations governing the operation of currency exchange offices, cash deposit machines, foreign currency ATMs, and online currency exchange services will come into force in Poland. For most customers making standard currency exchange transactions, these changes will have little noticeable impact. However, the new regulations will affect how companies providing these services operate.
The purpose of the new regulations is to standardize the rules for different forms of currency exchange, increase market transparency, and align the regulatory framework with current financial standards. Some of the changes also introduce new financial indicators that will gradually replace previously used calculation methods.
How Will the Changes Affect Exchange Offices?
The new regulations also apply to online currency exchange services and automated currency exchange machines. All companies operating in this sector will be required to follow more unified rules, helping to improve customer security and make the market more transparent.
For customers, this means that currency exchange will continue to be available both at physical exchange offices and through official online services. When choosing where to exchange money, it is important to consider not only the exchange rate but also the company's reliability, transparent terms of service, and the security of transactions.
What Should You Consider When Choosing an Exchange Office or Online Service?
The updated regulations provide a clearer distinction between companies operating in compliance with legal requirements and those functioning outside the supervision of financial authorities. Automated exchange machines are now officially recognized as a legitimate form of currency exchange office, while online exchange platforms are subject to separate licensing and customer account management requirements.
Before completing a currency exchange, it is recommended to check the following:
- whether the company is officially registered and operates in accordance with applicable regulations;
- whether it publishes current exchange rates and information about any applicable fees;
- whether a transaction confirmation is provided after the exchange;
- whether contact details, the business address, and clear terms of service are readily available;
- whether the company has positive customer reviews and proven market experience.
Following these recommendations helps reduce the risks associated with exchanging money. Particular attention should be paid to online currency exchange services, where customers do not have direct contact with a physical office. Transparent information, responsive customer support, and easy communication are important indicators of a trustworthy provider.
What does this mean for customers?
For most people exchanging money before travelling or for everyday expenses, the transaction process will remain virtually unchanged. The biggest impact will be on customers who regularly use online currency exchange services and those carrying out high-value transactions.
The new licensing, reporting, and operational requirements are intended to improve the security and transparency of the entire currency exchange market. As before, customers should verify basic information about the company before completing a transaction and keep the confirmation of every exchange.
The new regulations apply to both Polish citizens and foreign nationals staying or living in Poland. Kantor White Money in Gdynia operates in full compliance with the applicable regulations, offers up-to-date exchange rates, transparent service conditions, and provides confirmation for every transaction. Customers can exchange currency using both cash and cashless payments and receive clear information about the exchange process and transaction terms whenever needed.