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USD to PLN Travel Money Compared

USD-PLN Rate Calculator

 
   
   
   
   
 
   

Understanding the Table:

The comparison table above helps you see the total cost of your currency transaction by showing the exchange rates offered by different providers. It also makes it easy to spot potential savings from market-leading FX services compared to bank rates.

To see a full list of available providers, simply enter your transaction type, details and click ‘GET RATES’.

 
 
   

USD to PLN Market Data

US dollar (USD) to Polish zloty (PLN) market data - latest interbank exchange rate, trend, chart & historic rates.

 
Sell USD   →   Buy PLN
1 USD = 3.5925 PLN
1d0.0%
90dLows
USD to PLN is at 90-day lows near 3.5790, 1.6% below its 3-month average of 3.6393, having traded in a very stable 3.7% range from 3.5790 to 3.7114
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Tracker

Is the USD to PLN Exchange Rate Likely to Improve?

Predicting exchange rate movements is always challenging, as they’re influenced by a wide range of economic and geopolitical factors. One useful way to assess the current value of the US dollar against the Polish zloty is to review how the USD/PLN rate has changed over time.

The table below shows the percentage change in the USD to PLN exchange rate across various timeframes—from the past 2 weeks to the last 20 years:

DateUSD/PLNChangePeriod
15 Dec 2025
3.5889
0.3% 2 Week
30 Sep 2025
3.6351
1.5% 3 Month
29 Dec 2024
4.0954
12.6% 1 Year
30 Dec 2020
3.7247
3.9% 5 Year
01 Jan 2016
3.9288
8.9% 10 Year
03 Jan 2006
3.2358
10.6% 20 Year
USD/PLN historic rates & change to 29-Dec-2025

Currency Forecasts related to USD/PLN

USD to PLN 2025 Forecasts

The recent exchange rate forecasts for USD to PLN indicate a softening of the US dollar, primarily driven by expectations of aggressive interest rate cuts...

Read forecast

USD to EUR 2025 Forecasts

Recent forecasts concerning the USD to EUR exchange rate indicate a bearish outlook for the US dollar (USD) while the euro (EUR) experiences limited strength.

Read forecast

USD to JPY 2025 Forecasts

Recent forecasts for the USD to JPY exchange rate indicate a bearish outlook for the US dollar, primarily driven by expectations for aggressive rate cuts by...

Read forecast

Current market bias: Bearish. Key drivers: - Interest rate differential: The Fed is expected to cut rates, while Poland’s central bank has also reduced rates but maintains stable inflation and strong growth. - Macro factor: Strong GDP growth in Poland is bolstering the zloty. Near-term range: The USD to PLN is expected to trade within a stable range, reflecting current pressures on the USD. What could change it: A major upswing in US consumer sentiment could boost the USD, while economic issues in Poland could further weaken the PLN. --- USD/PLN is bearish as the dollar weakens from lower inflation and Fed rate cut expectations. The PLN benefits from strong growth, countering rate cuts. Look for stable trading in the near term unless US sentiment improves or Poland faces economic challenges

 

USD to PLN Conversion: What Is Your Money Worth?

To help you understand the real-world value of the current exchange rate, the table below shows how much US dollar are worth in Polish zloty across a range of amounts.

This gives a quick view of what you’d get when converting different USD amounts at today’s rate * :

USD PLN
$ 1 3.5925
$ 5 17.96
$ 10 35.93
$ 20 71.85
$ 50 179.63
$ 100 359.25
$ 250 898.13
$ 500 1,796
$ 1,000 3,593
$ 2,000 7,185
$ 5,000 17,963
$ 10,000 35,925
$ 20,000 71,850
$ 50,000 179,625
$ 100,000 359,250
USD PLN
$ 0.2784 zł 1
$ 1.3920 zł 5
$ 2.7840 zł 10
$ 5.5680 zł 20
$ 13.92 zł 50
$ 27.84 zł 100
$ 69.60 zł 250
$ 139.20 zł 500
$ 278.40 zł 1,000
$ 556.80 zł 2,000
$ 1,392 zł 5,000
$ 2,784 zł 10,000
$ 5,568 zł 20,000
$ 13,920 zł 50,000
$ 27,840 zł 100,000

More amounts

*Converted at the current USD-PLN interbank exchange rate. Calculate actual payout amounts for Send Money and Travel Money exchange rates.

 
   
Poland

Everyday Costs in in Poland

How much does it really cost to live, work, or travel in ? Here's what to expect for daily expenses and expat living.

Currency Guide for Poland (PL)

For travelers considering a week-long adventure in Poland, it's wise to budget adequately for a mid-range stay. A comfortable estimate for daily expenses would be around 300-400 PLN (approximately 65-90 USD), bringing the total to about 2,100-2,800 PLN (around 470-620 USD) for the week. Here’s a breakdown of typical daily expenses you might encounter:

  • 🍽️ Meal at a local restaurant: 40-80 PLN
  • ☕ Coffee: 10-15 PLN
  • 🚍 Public transport fare: 3-5 PLN
  • 📱 Prepaid SIM card: 30-50 PLN
  • 🛏️ Budget hotel or Airbnb: 150-300 PLN

Overall, while Poland offers good value for travelers, it's generally considered cheaper than visiting the United States and about on par with costs in Canada. In contrast, Poland tends to be more economical than the UK or Australia, making it an appealing destination for European explorations without breaking the bank.

Expat Living in Poland

For expats, understanding the local cost of living is crucial. Typical monthly living costs in Poland can range from 2,500-4,500 PLN (550-1,000 USD), depending on lifestyle choices and location, with urban centers like Warsaw or Kraków on the higher end. When it comes to banking, using local banks is advisable for day-to-day needs. Polish banks accept the majority of major international credit and debit cards, although it can be beneficial to withdraw cash for smaller purchases in local markets or cafes.

For sending and receiving money, platforms such as Wise and OFX often provide better rates than traditional banks for international transfers, making them a preferred choice for expats. Regarding currency exchange, it’s typically more advantageous to use these online services over exchanging money at local banks or currency exchange desks, as they tend to offer more favorable rates. However, having some cash on hand for daily expenses remains essential, so a balanced approach will serve expats well while transitioning into life in Poland.

 

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