Visa and Mastercard universally accepted in shops and restaurants across Poland. Urban and rural areas both well-covered.

Widespread ATM access (Bankomat). Most cards work fine. Watch for DCC markup — always choose PLN billing. Expect 1-3% ATM fees on some independent machines.

Contactless payments standard in Poland. Apple Pay and Google Pay widely supported.

Online shopping fully functional. Polish merchants routinely process international Visa/Mastercard.