In 2026, updated regulations governing the operation of currency exchange offices, currency exchange machines, and cashless currency exchange services will come into force in Poland. For most customers, the process of carrying out standard currency exchange transactions will remain largely unchanged. However, the new requirements will affect the way companies providing these services operate.

The main purpose of the changes is to introduce uniform rules for different types of currency exchange services, increase market transparency, and establish consistent requirements for all market participants. In addition, the legislation is gradually being adapted to new financial standards and benchmarks used in the currency exchange sector.

How Will the Changes Affect Currency Exchange Offices?

Some of the new regulations apply specifically to currency exchange machines and online currency exchange services. They will now operate under clearer rules that are more closely aligned with those already applicable to traditional currency exchange offices.

For customers, this means that the same standards will apply whether currency is exchanged at a physical exchange office, through a currency exchange machine, or via an official online service. As before, when choosing where to exchange currency, it is advisable to consider not only the exchange rate but also the company’s reputation, transparent terms of service, and transaction security.

What Should You Consider When Choosing a Currency Exchange Office or Online Service?

The updated legislation provides a clearer distinction between companies operating in compliance with financial regulations and services whose activities are not supervised by public authorities. Currency exchange machines are now officially recognized as one of the formats of currency exchange offices, while online services are subject to separate licensing requirements and regulations governing the handling of customers’ funds.

Before carrying out a currency exchange transaction, it is recommended to check several important factors:

• whether the company is officially registered and operates in accordance with legal requirements;
• whether current exchange rates and any applicable fees are clearly published;
• whether a transaction confirmation is provided after the exchange;
• whether the company’s address, contact details, and terms of service are available;
• whether the company has a good reputation and sufficient market experience.

Following these simple recommendations can help reduce unnecessary risks when exchanging currency. Particular attention should be paid to online platforms, as customers cannot personally assess the place of business. Transparent information, clear service conditions, and accessible customer support are important indicators of a trustworthy provider.

What Will Change for Customers?

For most people exchanging currency before travelling or for everyday needs, the exchange process will remain virtually unchanged. The new regulations will have the greatest impact on customers who regularly use online currency exchange services or carry out large-value transactions.

Stricter licensing, reporting, and operational requirements for currency exchange machines are intended to make the market more transparent and easier to understand for all participants. As before, customers are advised to verify information about the company before completing a transaction and to keep the confirmation of every exchange.

The new rules apply equally to Polish citizens and to foreign nationals living in or staying in Poland. Kantor White Money in Gdańsk operates in accordance with applicable regulations, offers up-to-date exchange rates, transparent transaction conditions, and provides confirmation for every transaction. Customers can exchange currency both in cash and cashless form and receive professional advice regarding currency exchange procedures.