In fresh years the number of ATMs has decreased importantly in Poland. According to the National Bank of Poland (NBP), 20,869 ATMs functioned at the end of March 2024, a decrease of 1,200 devices compared to the end of 2023. This trend continues, and in 2025 the number of ATMs may decrease further.
Reasons for the decrease in ATMs
The main reason for reducing the number of ATMs is the increasing popularity of non-cash payments. More and more Poles usage payment cards, net transfers and mobile applications, which reduces the request for cash. As a result, maintaining ATMs becomes little profitable for banks and operators.
ATM withdrawal limits in 2025
With the drop in ATMs, banks introduce fresh cash withdrawal limits. These limits vary depending on the bank and the kind of card. Below are the current limits in selected banks:
- PKO BP: regular payout limit is PLN 2 000
- Bank Millennium: The standard regular limit is PLN 2,000, with the anticipation of expanding to PLN 20,000
- Santander Bank Polska: The one-off limit is PLN 1,000 and the day-to-day limit is PLN 15,000 for the bank’s customers
- Pekao S.A.: Holders of average cards can pay PLN 6,000 at erstwhile and owners of gold debit cards – up to PLN 15,000
- Euronet: Maximum payout is 800 zł
- Planet Cash: Limit is PLN 1,000
Impact on customers
The decreasing number of ATMs and the introduction of withdrawal limits can be challenging for those who like cash transactions. In smaller towns, access to ATMs can be hampered, forcing customers to usage alternate payment methods. In addition, lower payment limits may limit the anticipation of collecting larger amounts in case of emergency.
Alternative methods of cash withdrawal
In the face of a decreasing number of ATMs, banks offer alternate cash withdrawal methods specified as:
- Cashback: Ability to pay tiny amounts of cash erstwhile buying in stores.
- Payments at bank counters: For customers who like conventional methods.
- Mobile applications: any banks make it possible to retreat cash without utilizing a card, utilizing codes generated in applications.
Future of cash in Poland
Despite the increasing popularity of non-cash payments, cash inactive plays an crucial function in the Polish economy. However, due to the progressive digitalisation and changing consumer habits, the number of ATMs could be further reduced and further restrictions on cash trading could be expected.
The decreasing number of ATMs and the introduction of cash withdrawal limits in 2025 are a challenge for those who like cash transactions. In order to adapt to these changes, it is worth reading alternate methods of cash withdrawal offered by banks and considering utilizing non-cash payments, which are becoming increasingly common and convenient.
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The number of ATMs in Poland is decreasing. fresh payout limits in 2025
