In 2026, Poland plans to introduce new regulations governing the operation of currency exchange offices, online currency exchange platforms, and cashless currency exchange services. Most customers will not notice significant changes during standard currency exchange transactions. The new requirements will mainly apply to companies operating in the foreign exchange market and providers of online currency exchange services.The new regulations establish uniform rules for various types of businesses involved in currency exchange and clarify the requirements for their operation. Some of the new provisions are related to the introduction of new financial benchmarks that will gradually replace the indicators currently being phased out.

Certain rules governing online currency exchange platforms and companies offering electronic currency exchange services will also change. For customers, this means that a wider range of financial services will operate under the same standards. Currency exchange services will continue to be available both at physical exchange offices and through official online platforms. When choosing where to exchange currency, it is worth considering not only the exchange rate but also the company’s credibility and transparent transaction terms. This is especially important when exchanging larger amounts or using cashless exchange services.

What to Consider When Choosing a Currency Exchange Office or an Online Service

The new regulations introduce a clearer distinction between companies operating legally and entities functioning outside the supervision of financial authorities. Online currency exchange platforms will be recognized as a fully regulated form of currency exchange business rather than a separate, less regulated service.
Companies providing online cashless currency exchange services will face additional licensing requirements and stricter rules regarding customer accounts. This is particularly important for people who regularly use online services instead of visiting traditional exchange offices.Before entrusting your funds to any provider, it is advisable to verify several key aspects:

• check whether the service is officially registered and operates under the supervision of the relevant financial authorities;
• verify that the website or exchange office displays up-to-date exchange rates and transaction terms;
• make sure you receive a confirmation or receipt after every completed transaction;
• check whether the company provides its address, contact details, and clear service conditions;
• read customer reviews and learn about the company’s experience and reputation in the market.

This simple checklist helps reduce the risk of situations in which customer funds may be delayed due to unclear business practices. Traditional exchange offices that have operated transparently for many years are generally easier to verify before making a transaction. Online services should be checked even more carefully because customers cannot assess their physical location. Transparent terms of cooperation and easy access to customer support are good indicators of a trustworthy company. The more transparent the provider is, the lower the risk associated with currency exchange.

What These Changes Mean for Customers

For most customers exchanging small amounts for everyday expenses or before traveling, the exchange process will remain virtually unchanged. The new regulations will have the greatest impact on people exchanging larger sums and those who regularly use online currency exchange services. These customers will benefit from a higher level of protection thanks to stricter licensing and reporting requirements imposed on service providers.
More transparent operating rules for online currency exchange platforms should also reduce the risk of hidden fees and exchange rate discrepancies. Customers are encouraged to make it a habit to verify basic information about a company before completing any transaction, even when exchanging relatively small amounts.

A transaction confirmation provides a simple way to protect yourself in case of questions or possible misunderstandings regarding the exchange rate. The new regulations apply both to Polish citizens and to people who permanently reside in Poland or stay in the country temporarily.
The currency exchange market will become more transparent, and the same rules will apply to all businesses regardless of their business model. Kantor White Money in Poznań operates transparently, offers up-to-date exchange rates, and provides confirmation for every completed transaction. Customers can exchange currencies both in cash and cashlessly, as well as receive detailed information about the terms and conditions of each transaction.