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 The Zloty, code PLN, is the currency of Poland. Zloty which means ‘golden’, is a 
plural for all values ending in 2, 3 and 4 except for the numbers 12, 13 and 14. 
All the other numbers are referred to as Zlotych. The zloty is made up of a 100 
groszy (grosz in singular and grosze in plural) and the values are followed by 
the symbols ‘zl’ or ‘gr’.
 
 Currently in circulation
 
 Coins in the denominations of 1, 2, 5, 10, 20 and 50 groszy and 1, 2 and 5 
zlotych were brought into circulation in 1995. Although 10, 20, 50, 100, 200 and 
500 zlotych also exist and can be used, but they are not in distribution 
anymore. Banknotes are available in the denominations of 10, 20, 50, 100 and 200 
zlotych though the 200 zlotych is not commonly in use.
 
 Exchange facilities and traveller’s cheques
 
 The safest place to exchange currency is through banks although some of them may 
charge you an exorbitant transaction fee. Currency exchange offices known as the 
‘kantors’ will give you a better deal. It is advisable to avoid exchanging 
currencies with people on the streets as well as from the hotels. Traveller’s 
cheques can be exchanged at authorised offices such as the American Express and 
some of the banks. However, the popularity of traveller’s cheques is on a steady 
decline in Poland.
 
 Using credit/debit cards
 
 Almost all the well-known credit and debit cards are accepted in Poland with 
Visa cards being the most popular. All the major banks pay cash against them but 
preferably for Visa and Mastercards.
 
 Restrictions
 
 You can bring in any amount of foreign currency but you need to declare the 
amount on arrival. However, you are not allowed to carry any Polish currency 
beyond the borders, nor can you take out more foreign currency than you had 
brought in.
 
 Poland: An Overview
 
 Poland is a country of vast natural beauty and untouched lands such as the 
Bialowieze Forest and the marshy valleys of the Narew and Biebrza rivers. The 
Polish cities are full of social and cultural activities and an exciting 
nightlife too. Everyone can find something of interest to do in Poland.
 
 Costs in Poland are still relatively low although it is now a part of the E.U. 
Expenses vary according to the facilities preferred. A budget traveller with 
standard needs can manage on a daily expense of $35 to $40 (round £27) which 
includes accommodation in a cheap hotel, meals at a reasonable restaurant, bus 
or train transfers and with enough left to enjoy cultural activities, a couple 
of beers and the use of taxis at times.
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