Cash withdrawal limits in Poland for 2025 – what is worth knowing?

In 2025 Polish customers of banks inactive face various restrictions on cash withdrawal. Although non-cash payments are becoming increasingly popular, the cognition of ATM withdrawal limits remains crucial, especially in case of larger cash transactions. Various banks offer different payout limits, both regular and one-off, which may have a crucial impact on the management of their own finances.

Cash withdrawal limits in 2025

Each bank sets its cash withdrawal limits, which may vary according to the kind of card and the offer offered by the bank. Examples of cash withdrawal limits in selected banks in Poland are:

• Bank Millennium offers a basic regular limit of 2000 PLN. However, for customers who request more cash, it is possible to increase of the limit to PLN 20,000, which gives greater flexibility in financial management.
• PKO BP keeps the standard regular limit at 2000 PLN. If a larger amount is needed, customers should plan their transactions in advance.
• Santander Bank Polska He took a somewhat different approach. The regular limit is as much as PLN 15,000but a single transaction must not exceed PLN 1000. This solution forces more frequent withdrawals, but with smaller amounts in each transaction.
• Pekao is simply a bank that stands out on the marketplace in terms of the level of the limits. Gold debit cards offer a payout limit of PLN 15,000while standard debit cards have a limit PLN 6000 for a one-off transaction.

External ATM withdrawal limits

Independent network ATMs besides usage their own cash withdrawal limits. Popular networks specified as Planet Cash is Euronetoffer lower payout limits compared to banks:

• Planet Cash – the one-off limit is PLN 1000.
• Euronet – the one-off payment limit is 800 zł.

It is worth noting that these limits are a limitation erstwhile we usage ATMs not related to our bank. Therefore, withdrawals of cash from abroad ATMs of institutions may affect additional fees as well as smaller amounts that can be paid at 1 time.

What factors affect cash withdrawal limits?

The diversity of bank limits is due to respective factors. Here are the most crucial ones:

1. Type of card – any banks introduce separate limits for debit and credit cards. For example, Pekao Gold debit cards have higher payout limits than regular debit cards.
2. Account Type – customers who have a higher class of individual or premium accounts can frequently number on higher cash withdrawal limits. Banks effort to motivate their customers to usage more extended financial services.
3. Role of the bank – large banks, specified as PKO BP, offer standard limits, but for more demanding customers offer an chance to rise limits, especially in online banking.
4. Using ATMs – banks, depending on their cooperation with ATM networks, set withdrawal limits which may be lower in independent ATMs.

Modification of limits by mobile application

It is worth noting that most banks offer the anticipation changes in payment limits via net banking or mobile applications. This allows customers to flexibly adjust payout limits to their current needs, making financial management more comfortable. Many banks let change of limits at the level of one-off transactions or total regular limit, which is peculiarly useful for planning larger expenditures.

Why are cash withdrawal limits important?

Knowledge cash withdrawal limits is crucial for those who plan larger cash transactions. If individual is unaware of the limits in their bank or fails to adjust their payouts to those limits, they may encounter delays or difficulties in paying the appropriate amount. In addition, paying large amounts from ATMs, especially those belonging to independent networks, may affect additional commissions or smaller transaction limits, which may make the withdrawal require respective approaches.

What are the advantages of non-cash payments?

Although cash is inactive very popular, non-cash payments They're becoming more dominant. utilizing debit cards, credit cards or mobile payment applications avoids restrictions on ATM limitsIt besides reduces the hazard of having cash in a physical form. In addition, in many cases, non-cash payments are fast, safe and offer favorable transaction terms, especially under loyalty schemes.