The exchange rates of the US dollar and the euro have a direct impact on the outcome of currency exchange transactions in Poland. This is important for people travelling abroad, making international transfers, shopping overseas, or keeping savings in foreign currencies. Even small fluctuations in exchange rates can significantly affect the final amount when exchanging larger sums. Therefore, it is always advisable to check the current exchange rates before making a transaction rather than relying on outdated information.
Although USD and EUR are among the most frequently traded currencies in the world, their exchange rates do not always move in the same direction. Each currency is influenced by different economic factors and central bank decisions, so their performance should be analysed separately.
What affects the US dollar and euro exchange rates?
The US dollar exchange rate is primarily influenced by decisions of the US Federal Reserve, while the euro exchange rate depends mainly on the monetary policy of the European Central Bank and the economic situation in the eurozone. Inflation, interest rates, international trade, supply and demand in the foreign exchange market, and the value of the Polish złoty against major world currencies also play an important role.
Following the publication of key macroeconomic data or central bank decisions, the foreign exchange market can react almost immediately. During periods without major economic events, exchange rate fluctuations are usually relatively small. For this reason, predicting future exchange rate movements remains difficult, even when using economic analyses and forecasts.
The main factors affecting the US dollar and euro exchange rates include:
- decisions of the US Federal Reserve and the European Central Bank;
- inflation;
- supply and demand in the foreign exchange market;
- international economic and political events;
- the exchange rate of the Polish złoty.
Current exchange rates are available at Kantor White Money in Gdańsk. This allows customers to review exchange conditions in advance and plan their transactions more effectively. When exchanging larger amounts, it is advisable to discuss all details beforehand so that the final exchange result is known before completing the transaction.
When is the best time to exchange dollars and euros?
When planning to exchange US dollars or euros, it is not advisable to make a decision solely because of sharp exchange rate movements within a single day. If the transaction is not urgent, it is often better to monitor the market for several days and pay attention to upcoming economic events that may influence exchange rates.
For small amounts, exchange rate differences usually have only a minor impact. However, when exchanging larger sums, even a slight change in the exchange rate can noticeably affect the final transaction value. After strong market reactions to important economic news, exchange rates often stabilise, so it is not always necessary to make an immediate decision after new data is released.
If you are interested in changes to currency exchange regulations, we recommend reading the article “New Currency Exchange Rules in Poland: What Will Change in 2026?“. It contains the most important information about the planned changes affecting currency exchange offices, online currency exchange services, and automated currency exchange machines. Understanding the current regulations will help you prepare for currency exchange transactions and plan future exchanges more confidently.
