Payment and multicurrency cards - comparison for residents of Poland
How to choose a payment or multicurrency card - what to look at
A card is not an account - assess the protection of funds separately. With a card, the key things are: how much currency conversion abroad costs, the card type (debit/credit/charge/prepaid - different rules and liability), the network (Visa/Mastercard/Diners) and wallets (Apple/Google Pay). The table is alphabetical and neutral; this is not a sponsored ranking.
Card currency conversion (FX margin)
The most important cost for payments abroad. 'No margin' usually means 0% fee over the card network rate - check the condition (account vs transaction currency).
Card type
Debit (from your funds), credit (limit + interest), charge (repaid in full by the due date), prepaid (topped up). Different costs, different liability, different requirements.
ATM withdrawals
Free limits and fees abroad can wipe out the FX saving. See 'ATM withdrawals'.
Card network
Visa/Mastercard = accepted almost everywhere; Diners/Amex = narrower acceptance, but extra benefits. See 'Scheme'.
Apple/Google Pay and virtual card
Payments by phone/watch and a virtual card for secure online shopping.
Protection of funds
A card is not an account - funds are protected according to the institution type (deposit guarantee vs safeguarding). See 'Trust and structure'.
Choose by a specific criterion
Cards with no extra conversion fee (check the currency condition).
bunq, Monese, N26, Revolut
Cards supporting mobile payments (phone/watch).
bunq, Curve, flykk, mBank, Monese, N26, Paysera, Revolut +2
Cards with a virtual version - safer online shopping.
bunq, Monese, N26, Paysera
Cards in premium networks (narrower acceptance, extra benefits).
flykk
Available without a PESEL number - important for some foreigners.
bunq, flykk, mBank, Monese, N26, Paysera, Revolut, Wise +1
A full comparison of cards - with filters (card type, no FX margin, Apple/Google Pay) - is in the table below. A card is not an account; assess the protection of funds separately.
Payment and multicurrency cards - including Diners Club
Cards for people living in Poland - multicurrency, virtual and specialist cards, including Diners Club via flykk. Compare the card network, card currency conversion costs and ATM withdrawals - every value is source-backed. A card is not an account - assess the protection of funds separately.
- Mastercard (Debit Mastercard
- replaced Maestro from 30.08.2024).
- Who can open a bunq Personal account?
- bunq: what plans are available
- bunq compare plans
- bunq: what is ZeroFX
- bunq foreign currencies and IBANs
- bunq Elite plan page
- bunq deposit guarantee explainer
- bunq - Apple App Store listing
- bunq Help Center - accepted ID documents
- bunq Help Center - who can open a personal account
- bunq - Support (languages)
- bunq - who can open a Personal account
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- bunq - Bye Maestro, hello Debit Mastercards
- bunq - Apple & Google Pay
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Mastercard- Curve Referral Terms (legal)
- Curve legal/regulatory
- Curve compare plans
- Curve Smart Travel Card
- Curve plans complete guide
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Curve - plany, FX, bankomaty, Mastercard, EMI (Curve Europe UAB, Bank Litwy #73)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa or Mastercard
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Diners Club International
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa (Visa Classic for the eKonto foreign-currency account). The multicurrency service also works with Mastercard, depending on the underlying PLN card.- mBank - bankowy fundusz gwarancyjny
- mBank - ekonto walutowe
- mBank - ekonto walutowe
- mBank - usługa wielowalutowa
- mBank - przelewy zagraniczne
- mBank - arkusz informacyjny
- mBank - karta do konta walutowego eur
- mBank PL - Apple App Store listing
- mBank - konto na selfie (otwarcie online)
- mBank - jezyki serwisu i obslugi
- mBank - przelewy zagraniczne (SEPA/SWIFT)
- mBank - dokumenty potwierdzające tożsamość (cudzoziemcy)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- mBank - eKonto walutowe
- mBank - dokumenty potwierdzajace tozsamosc (cudzoziemcy)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa or MastercardDirectly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa or Mastercard
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
MastercardDirectly with the provider - you do not open an account with us. The link may be an affiliate link.
- Mastercard (Contactless Mastercard debit
- issued by PrePay Technologies Ltd under licence from Mastercard).
- Monese EU/Other Personal Terms and Conditions (2025-10-09)
- Monese EU personal fees and limits
- Monese homepage
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Monese - Debit cards
- Monese - Foreign Nationals
- Monese Support - How can I open a Monese account
- Monese - Google Pay (also Apple Pay)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Mastercard (all N26 cards are Mastercard debit cards).- Availability across Countries (N26)
- N26 compare plans
- N26 Metal benefits
- N26 funds protection
- N26 - opening an account / eligibility
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- N26 - Plans (Standard/Smart/Go/Metal) + Compare every detail + FAQ (strona globalna EN)
- N26 - Mastercard
- N26 - how to prove my identity
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa (Paysera debit card).- Which countries does Paysera operate in?
- Paysera homepage
- Paysera account benefits
- Paysera currency conversion
- Paysera euro transfer fees
- Paysera payment card fees
- Paysera - FAQ (account opening / verification)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Paysera - Visa payment card
- Paysera - how to open an account
- Paysera - Apple Pay & Visa card
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Visa or Mastercard (network selected in the app when ordering the card)- Where you can sign up for Revolut (Poland)
- Revolut deposit insurance information (LT)
- Revolut Multi-Currency Account (PL)
- Revolut compare plans (PL)
- Revolut personal Standard fees (PL)
- Revolut currency exchange fees (PL)
- Revolut disposable virtual card (PL)
- Revolut Metal plan benefits (PL)
- Revolut Metal (PL)
- Revolut Plus (PL)
- Revolut Ultra (PL)
- Which Revolut companies provide me with services (Poland)
- Supplement to Revolut Payments UAB Personal Terms (Poland)
- Verify my identity (Poland)
- What currency account details are available for me
- Bank transfer fees (SEPA / SWIFT)
- How to contact Revolut Support (Poland)
- Deposit Insurance Information (Poland)
- Revolut - transfers (SEPA/SWIFT)
- Revolut - identity verification / supported residents
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Revolut - inwestowanie (akcje/ETF/plany)
- Revolut - plany i opłaty (en-PL); karta debetowa, FX, bankomaty, ochrona środków
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- charge (Toyota Business Gold charge card
- full settlement each cycle, business segment)
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
- Mastercard (card issued in the EEA by Wise Europe SA
- globally Wise also issues Visa - for an EU resident: Mastercard).
- Where do I need to live to hold money with Wise?
- Wise Cennik (PL)
- Wise Konto Wielowalutowe (PL)
- Wise: which currencies can I add/keep/receive
- Wise: receive with GBP account details
- Wise: how is Wise regulated
- Wise: how Wise Europe SA safeguards funds
- Wise Platform: ordering cards
- Wise - Apple App Store listing
- Wise Help Centre - what you need for ID verification
- Wise - send money from Poland (kurs mid-market)
- Wise - Help Centre (verification / eligibility)
- Podatek od zysków kapitałowych (tzw. Belka) - ramy ogólne
- Strona produktu (konto/usługa płatnicza - nie produkt inwestycyjny)
- Wise - Card Supplement Agreement (TW Europe)
- Wise - Wise card with Apple Pay / mobile wallets
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
Mastercard
↗Directly with the provider - you do not open an account with us. The link may be an affiliate link.
WTP Finance is informational only. We do not broker contracts, handle funds or provide financial advice. Always verify the terms with the provider.