Convert EUR to PLN Euro ↔ Polish zloty Free Online Secure
Type an amount in Euro and read it in Polish zloty at once. The page uses the European Central Bank's reference rate, and tells you which day that rate is from.
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Common amounts — Convert EUR to PLN (Euro ↔ Polish zloty)
| EUR | PLN |
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| 5 | |
| 10 | |
| 20 | |
| 50 | |
| 100 | |
| 250 | |
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| 1000 | |
| 5000 |
The last thirty days
Where these codes and rates come from
The three letters in EUR, USD or JPY are not an abbreviation someone invented for a website: they are ISO 4217, a standard in which the first two letters are the country's own code and the third is usually the initial of the currency. The figures on this page come from the European Central Bank, which publishes one set of reference rates each working day, around 16:00 Central European time, agreed between the central banks of the Eurosystem. They are a daily snapshot meant for statistics and accounting, not a live trading feed — which is exactly why they are the same number for everyone, rather than whatever one bank happened to quote at one moment.
Where you meet an exchange rate
You meet an exchange rate four or five times a year without thinking about it: booking a trip, paying an invoice issued abroad, buying from a foreign shop, reading a salary offer in another currency, or checking what a card charge really cost. In all of these the reference rate is the honest middle, and the price you actually pay sits a little to one side of it. Knowing the middle is what lets you see how wide that margin is.
Questions people ask
Is this the rate my bank will give me?
No, and no page can promise one. This is the European Central Bank's reference rate: the midpoint published once a day for statistics. A bank, a card scheme or an exchange office adds its own margin on top — usually between half a percent and three percent, sometimes more at an airport counter. Use this figure to judge the offer you are given, not to predict it.
How often does the figure change, and what happens at weekends?
The European Central Bank publishes once each working day, in the afternoon, Central European time. There is no publication on Saturdays, Sundays or TARGET holidays, so on those days the page shows the last working day's rate and says which day it belongs to. The chart alongside is one year of the same daily series.
Is the answer exact?
Where both units are defined in terms of one another by whole numbers, yes — the page says so above the figure, and the only rounding is in how many digits are shown. Where the ratio has no finite decimal, the page shows twelve significant digits and says the relation is approximate rather than pretending otherwise.
Does anything I type leave my device?
No. The arithmetic runs in your browser; nothing is uploaded and there is no server to upload it to. Load the page once and it keeps working with the network switched off.
Poland, the zloty and the euro that has not arrived
The largest economy to keep its own money
Poland has about thirty-eight million inhabitants, the biggest economy in central Europe, and a seat in the European Union since 2004. It is also one of the members that kept their own currency, the złoty, rather than adopting the euro. For visitors, suppliers, students and workers coming from the euro area, that means a conversion at the border of every trip and in the footer of many invoices. To Convert EUR to PLN is the first calculation anyone makes when they plan anything involving Poland.
What this page offers
The page converts euros to złoty at the European Central Bank's daily reference rate, shows the date of that rate and keeps your amount inside your browser. The explanation below deals with the pair itself: what the złoty is, how it has behaved, what the euro buys in Warsaw, Kraków and Gdańsk, how Polish workers abroad and foreign firms in Poland handle the rate, and how to pay without leaving a margin on the table at every step.
Reading the result
Euros in, złoty out
Each time you Convert EUR to PLN here, the answer carries the date of the rate, so you can tell at once how fresh it is.
Type the amount in euros. The page multiplies it by the published rate, which says how many złoty one euro buys, and shows the result with the date of the rate. At weekends and on holidays the rate is the last one published, and the page says so, instead of putting today's date on an old figure.
The table and the thirty-day line
Frequent travellers who Convert EUR to PLN several times a year come to rely on the line as a quick sanity check.
Under the converter you will find common amounts from one euro to five thousand, so you can read a price off without retyping it, and a line showing the last month of rates. The line helps you see whether the złoty has been calm or restless, which matters when a payment lies a few weeks away.
The reverse direction
Seen from the other side, anyone who must Convert EUR to PLN and later back again loses the spread twice, so plan the round trip.
If you have złoty left at the end of a trip or receive an invoice in złoty and want to see it in euros, Convert PLN to EUR applies the same published rate in the opposite direction.
What the figure is and is not
The reference rate is the midpoint of the market, agreed once a day at about 16:00 in Frankfurt. A bank or exchange office will quote you a little less when you sell euros and a little more when you buy, and the gap is its fee. Use the reference as the yardstick against which to judge any offer.
The złoty in brief
Golden, and divided into grosze
The word złoty means golden, a memory of medieval gold coins. One złoty is divided into one hundred groszy, though people usually say grosze. Prices are written with a comma before the grosze, as in 12,50 zł, and the symbol follows the number. The ISO code is PLN.
Four zeros removed in 1995
After the fall of communism, Poland went through years of high inflation. On 1 January 1995 the country introduced a new złoty worth ten thousand old ones, and the new currency has been remarkably stable since. Older Poles sometimes still talk of "old złoty" when they describe prices of the eighties.
Banknotes with kings
The notes show the rulers of early Poland, from Mieszko I to Sigismund I, on a range of colours, from 10 to 500 zł. Coins carry the white eagle. The five-złoty coin is a bimetallic piece and a handy thing to keep for vending machines.
Plural forms are not simple
Polish plurals change with the number: 1 złoty, 2 złote, 5 złotych. The code PLN is the same in all of them, and it is the one to use when you write an invoice or a message.
How the rate has behaved
Strong in the years after accession
Companies that had to Convert EUR to PLN for investments in those years saw their projects get dearer by the quarter.
When Poland joined the European Union in 2004 the złoty strengthened, as investors bought into the country's growth. Between 2004 and 2008 a euro bought less and less of it, and exporters grew nervous about the cost of their goods abroad.
The crisis of 2008 and 2009
As the global financial crisis broke, the złoty dropped sharply against the euro within weeks, as investors fled from emerging-market currencies. People who had planned to buy flats in Poland suddenly found them cheaper; borrowers with Swiss-franc mortgages found their debts much larger.
A calmer period, a few shocks
Over the last decade the rate has moved in a range, with some events, such as the pandemic and the war in Ukraine, causing temporary weakness. The thirty-day line on this page shows how large the latest moves have been.
What history tells you
Over short periods the pair can move several per cent. If you need to Convert EUR to PLN for a payment next quarter, ask your bank for a forward quote or divide the amount across two dates.
What moves the pair
Interest rates in Warsaw and Frankfurt
Whoever has to Convert EUR to PLN around a rate decision should expect a livelier market than usual.
The National Bank of Poland sets its own interest rate and the European Central Bank sets another. When Poland's rate is higher, money flows toward the złoty and it strengthens; when the gap closes, the opposite happens. The rate decisions of both banks are published in advance, and the days around them are usually the most volatile.
Inflation and growth
Poland has had higher inflation than the euro area for most of the past decades. Fast growth attracts capital, but inflation eats the value of the currency, and the balance between the two shapes the long-run trend.
Politics and the neighbourhood
Elections, disputes with Brussels over the rule of law and security concerns near the eastern border all affect the złoty. Investors dislike uncertainty, and a quiet political season is often a quiet season for the rate.
A visit to Poland
Warsaw, Kraków and Gdańsk
Poland offers rebuilt old towns, medieval squares, castles and a coastline on the Baltic. Prices in the big cities are higher than in smaller towns but still lower than in Western Europe. A main course at a decent restaurant costs the equivalent of eight to fifteen euros, a coffee two to three, a tram ticket less than a euro.
The mountains and the lakes
The Tatra mountains in the south and the Masurian lakes in the north are popular summer and winter destinations. Guesthouses are modest in price and often include breakfast. Mountain huts post their prices in złoty, and card payments may not work in remote places, so keep some cash.
Culture, history and remembrance
Museums, theatres and memorial sites charge entry fees in złoty, usually low, with discounts for students. A day with guides at a major historical site may cost several tens of euros, and booking ahead online is often compulsory.
Dental and medical visits
Some visitors from Western Europe travel to Poland for dental work and cosmetic procedures, because prices are lower. Estimates are given in złoty, and the converted figure should be compared with the cost at home including travel, a second visit and any follow-up.
Paying in Poland
Cards, phones and contactless
Because cards work almost everywhere, you rarely need to Convert EUR to PLN in cash at all.
Poland is one of the most card-friendly countries in Europe. Contactless payments work in shops, on public transport and even at small stalls, and mobile wallets are widely used. Cash is rarely necessary outside rural markets.
The terminal that offers euros
Some terminals in tourist areas will propose to charge you in euros. Refuse and choose złoty. The conversion by the terminal operator usually costs three to six per cent more than your bank would charge.
Cash machines
Bank-owned machines give the best rates. Stand-alone machines in tourist areas often charge a fixed fee and use a poor conversion. If a screen asks whether you wish to be charged in euros, choose złoty.
Exchange offices
If you must Convert EUR to PLN in an exchange office, choose one in town rather than in the station and compare its board with the reference.
Poland has many small exchange offices, called kantor, and the best ones post a buying and a selling rate that are close together. The worst are at airports and in tourist centres. Compare the board with the reference rate before you hand over any money.
Working with Poland
Suppliers and subcontractors
Polish firms supply components, furniture, food and software to customers across Europe. Many quote in euros for export and pay wages in złoty, so they carry a currency risk of their own. When you negotiate, find out in which currency the price is fixed, and who bears the risk if the rate moves between order and payment.
Branches and offices
Group finance teams that Convert EUR to PLN for budgets usually keep one internal rate for the year. Teams that also work with Romania compare it with Convert EUR to RON, because the two currencies often move together.
Western companies run service centres in Warsaw, Kraków, Wrocław and Gdańsk. Local costs are in złoty and group accounts in euros, so the rate shows up in the margin of the branch. Finance teams usually fix an annual budget rate and compare it with the actual one each quarter.
Time and travel
Poland shares the Central European time zone with Germany, France and Italy. To compare it with Britain, Convert CET to GMT gives the difference, and the rule is the same when the clocks change, because both change on the same dates.
Land and agriculture
Poland is a major producer of apples, poultry, potatoes and grains. Farmland is measured in hectares; for buyers who think in acres, Convert HA to ACRES makes an advertisement readable.
A weekend in Kraków: a worked budget
Friday evening to Sunday night
Imagine a couple flying from Düsseldorf to Kraków for a long weekend. Their return flights are prepaid in euros, so the exchange rate affects only what they spend on the ground. They plan two nights in a central hotel at about 90 euros a night, five meals at an average of 15 euros per person, a day trip to the salt mine at Wieliczka and the museums of the old town. Before leaving, they Convert EUR to PLN for a budget of 350 euros and receive a round number of złoty they can compare with the prices posted in each restaurant.
The sums are small, but the habits are not. They decide to pay by card wherever possible, to withdraw 300 złoty from a bank machine for markets and tips, and to keep 50 euros in notes as a reserve. At the end of the trip they will check how much they actually spent in euros on their statement and compare it with the converted budget. That comparison, repeated trip after trip, is how travellers learn the true cost of a currency.
Taxis, trams and apps
Public transport in Polish cities is cheap and frequent, and tickets can be bought by phone. Ride-hailing apps are popular and show the fare in złoty before you confirm, which makes it easy to convert in your head. Avoid unmarked taxis outside the airport, which charge more than the apps do.
Tipping at the table
Tips of about ten per cent are customary in restaurants, left in cash or added to the card payment when the waiter asks. Service is not usually included in the bill. If a restaurant adds a service charge, it will be stated on the menu.
Christmas markets, ski weeks and festival seasons
When prices rise
Poland has a lively calendar of events: the Christmas markets of Kraków, Wrocław and Gdańsk, the ski season in Zakopane, summer festivals on the Baltic coast and the long weekends around national holidays. At these times hotels and apartments cost more, sometimes by half. If your dates are flexible, you can often save a good deal by moving them a few days.
Booking online
Booking platforms show prices in euros, złoty or both. A price in euros for a Polish hotel is converted by the platform at its own rate, which is rarely the reference one. Where possible, choose the property's own currency and pay at the hotel, or pay by card in złoty so that your bank does the conversion.
Winter sports on a euro budget
Ski passes in Zakopane and the Tatra resorts are cheaper than in the Alps, and equipment hire is modest. A day of skiing for two with a pass, lunch and rental can fall below 150 euros. Prices rise during Polish school holidays in February, so book early.
Buying a home or investing in Poland
A flat in a big city
Prices of flats in Warsaw and Kraków are quoted in złoty per square metre. A buyer from the euro area who wants to compare with home must convert both the price and the area, and keep in mind that some Polish listings count the area differently from German or French ones. For those who think in square feet, Convert M2 to FT2 turns the Polish figure into American units.
Notaries, taxes and fees
Before you Convert EUR to PLN for a purchase of this size, ask the notary for a written estimate of all costs.
Buying property in Poland involves a civil-law transactions tax, a notary's fee that depends on the price, and court registration costs. Each is calculated in złoty. When you Convert EUR to PLN for the whole purchase, add them to the price in your budget before you decide.
Mortgages in złoty
Foreign buyers can take a mortgage in złoty from a Polish bank, but the monthly instalments will be in a currency different from their income. A rise of ten per cent in the złoty raises the instalment by the same amount in euros. Many buyers choose to match the currency of the loan to the currency of their income, and accept a higher rate.
Foreign firms in Polish supply chains
Setting prices in two currencies
A Polish manufacturer selling to German customers may publish a price list in euros and update it twice a year. If the złoty strengthens by five per cent between updates, its margin falls; if it weakens, the margin grows. The manufacturer's finance department watches the reference rate as closely as the weather.
Payment terms and risk
Thirty-, sixty- and ninety-day payment terms are common, and during that time the rate can move. The buyer who pays in euros has no currency risk; the seller, who pays costs in złoty, does. A contract may include a clause that adjusts the price if the rate moves by more than three per cent.
Invoicing and VAT
A Polish invoice in euros must show the VAT amount converted into złoty at the National Bank of Poland's rate for the day before the date of issue. The rule explains why Polish accountants rarely use any other rate, even when a different source gives a slightly better figure.
Poles abroad and the exchange rate
A large community in Britain and Germany
Poles in Britain who want to see the same sum in euros can also use Convert EUR to GBP as a cross-check.
Hundreds of thousands of Poles work in the United Kingdom, Germany, the Netherlands and Ireland. Many send part of their pay home each month, and for them the useful conversions begin with their host country's money: Convert GBP to PLN for those in Britain, and the euro for those on the continent.
The cost of sending money
A remittance of 300 euros, sent every month for a year, carries twelve margins. If the provider takes two per cent instead of one, the difference over a year is thirty-six euros. Compare what arrives in the recipient's account, not the rate shown in the advertisement.
Coming home
Poles who return after years abroad often buy a flat with savings held in pounds or euros. That is a conversion of a large sum, where a swing of two per cent is worth hundreds of euros, and it is worth getting two written offers and comparing them with the reference.
Neighbours and relatives of the pair
Other currencies of the region
The Czech Republic and Hungary also keep their own currencies. A traveller going from Prague to Budapest to Kraków may want Convert EUR to CZK and Convert EUR to HUF as well.
Dollars and the wider world
Polish firms sell to the United States and buy oil and gas priced in dollars. For that side of the business, Convert USD to PLN is the page to open.
Mistakes when you Convert EUR to PLN
Mixing up grosze and złoty
Whenever you Convert EUR to PLN for a small price, check whether it is written in złoty or in grosze.
A price of 99 gr is ninety-nine grosze, less than a złoty. Prices in shops are written as 0,99 zł, but you may see both.
Paying twice for convenience
Changing euros at home and the leftover złoty back at the airport loses two margins. Use a card, and withdraw only what you need.
Old rates
A figure from last month may be out by several per cent. Look at the date next to the result.
Forgetting taxes
Large purchases, such as a car or a flat, carry notary fees and taxes in złoty. The converted headline price is only part of the cost.
Short answers
How do I Convert EUR to PLN here?
Type the euros in the first field. The page shows the złoty at the latest reference rate, with its date.
Why is my bank's figure different?
Because it includes a margin. The difference is the cost of the service.
Is the amount recorded?
No. It stays in your browser.
Your amount stays with you
Only the table of rates is fetched. The number you type never leaves your browser, and no account is needed. It is a quiet way to Convert EUR to PLN without telling a website how much you plan to spend.
In short
To Convert EUR to PLN, enter the euros and read the złoty at the European Central Bank's latest reference rate, together with its date. It is the midpoint of the market, so any real offer will be a little worse. Pay in złoty, refuse the terminal's offer to charge you in euros, compare every quote with the reference and remember that at the weekend you see Friday's rate.