Question 1

What is the "Currency Exchange Shortchange" scam in Krakow?

Accepted Answer

Exchange bureaus around the Main Square display competitive rates but shortchange tourists by miscounting notes, particularly when dealing with large denominations. Count all notes before leaving the exchange counter. Use bank ATMs (Euronet ATMs charge high fees; use PKO BP or Santander machines instead).

Question 2

What is the "ATM Dynamic Currency Conversion and Card Skimming" scam in Krakow?

Accepted Answer

Krakow has two distinct ATM threats: standalone machines in Old Town tourist zones operated by FX chains (Euronet being the most noted) that offer to charge in your home currency at rates 10–15% worse than your bank would apply — a practice called Dynamic Currency Conversion (DCC). A second threat involves individuals loitering near ATMs on Szewska Street and around the Main Square who offer to "help" tourists avoid fees, then use handheld card skimmers to steal card data while observing the PIN. Always select "charge in PLN" when an ATM prompts you to choose a currency — choosing your home currency triggers DCC and guarantees a poor rate. Use bank-branded ATMs inside bank branches (PKO BP and Santander have branches on Długa Street) rather than standalone machines on tourist streets. Never accept help from strangers at an ATM and cover the keypad when entering your PIN.

Money & ATM Scams in Krakow

Currency Exchange Shortchange

ATM Dynamic Currency Conversion and Card Skimming

Experienced a scam here?