The fight against cash is accelerating. Access to your own money next year will be even more expensive

As of February 2026, the usage of ATMs will cease to be price neutral. Visa and Mastercard rise cash withdrawal fees, and a fresh billing model with banks will make the cost of paying the money emergence with the amount of the transaction. This means that cash – although inactive utilized by millions of Poles – will become more hard to get and more costly to maintain.