1 USD To PLN
Convert United States Dollar To Polish Zloty

If you’re planning a trip to Poland in the near future, you may want to exchange some of your money into zloty, the country’s official currency. The international symbol for the currency is PLN.

While Poland is a member of the European Union, the euro is not currently accepted as payment.

This post has everything you need to know about converting USD to PLN, including where to secure the best exchange rates and how to avoid paying high fees on your conversion.

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How to Convert USD to PLN

Calculating a conversion of dollars to zloty is fairly simple. You can make the conversion using a conversion calculator or do it by hand.

1. Use a Currency Calculator

Using a currency conversion calculator is often the easiest way to get an estimate when you’re converting currency. Since exchange rates fluctuate on a daily basis, using a calculator can ensure your math is correct.

Keep in mind that exchanging currency often comes with added fees that a conversion calculator won’t be able to predict. For instance, credit card companies and ATM networks usually charge a 1% conversion fee on all foreign transactions. Individual merchants may also charge supplemental fees if you ask them to convert the price of an item to your home currency at checkout.

2. Calculate it Manually

The other option is to do the calculation manually using a simple mathematical formula. However, in order to do this, you need to know the current exchange rate. At the time of writing, $1 USD is worth zł 4.79 PLN.

Once you know that information, multiply the amount you have in USD by the current exchange rate. The resulting number will show you the amount of PLN that you have to spend on your trip.

Manual Currency Conversion Example

Let’s say you have $500 USD and would like to figure out how much zloty you have for a trip to Poland. Using the current exchange rate, the formula for your conversion would look like this:

$500 USD x 4.79 = zł 2,395 PLN

How to Buy PLN

When you’re ready to buy zloty, it’s a good idea to plan ahead to ensure that you pay the fewest fees. Here are three ways to get the currency you need while minimizing the fees you’ll be charged:

• Exchange at a bank or credit union before your trip: Heading to your bank before your trip is often the most cost-effective way to exchange currency. Since you have an existing relationship with them, your bank is likely to give you the best exchange rates and charge the lowest fees. For example, Bank of America doesn’t charge its account holders an exchange fee. However, it does charge a shipping fee of $7.50 USD on orders worth less than $1,000.

• Use your bank abroad where possible: Debit and credit cards are widely accepted in Poland, but if you need to exchange more money, try to find a branch of your bank or an in-network ATM. For example, Citibank operates as Citi Handlowy in Poland, and has branches located throughout the country. Most banking apps have an “locator” feature to help you find the closest option, and visiting a branch or ATM affiliated with your bank can help you avoid excess fees.

• Order currency online: If your bank doesn’t offer online shipping, you can also use a third party to get currency delivered to your door. However, be aware of inflated costs with some of these vendors. Currency Exchange International (CXI), for instance, advertises that it does not charge an exchange fee for home deliveries. However, you’ll pay up to $30 for overnight shipping on transactions under $1,000 USD.

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What to Avoid When Exchanging Currency

• Exchanging currency at the airport: While exchanging currency at the airport is unquestionably convenient, these kiosks often offer some of the worst exchange rates while charging some of the highest fees.
• Currency exchange offices: You can find currency exchange offices (or kantors) around Poland that allow you to exchange currency while on the go. Still, you’ll likely pay a premium to use one of these convenient locations.

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