You’ve been holding Bitcoin while the world finally catches up. And in Poland, it’s catching up faster than almost anywhere else in Europe.
Poland isn’t waiting for crypto to become mainstream, it’s building the infrastructure while others debate. Allegro, the country’s answer to Amazon, accepts crypto.
Medicover, one of Europe’s biggest hospital networks, takes Bitcoin. El Passion in Warsaw was paying salaries in BTC before most banks knew what a blockchain was.
51% crypto adoption growth between 2024 and 2025, the fastest in Europe, according to Chainalysis.
But the best places to spend crypto in Poland aren’t just the handful of shops with a Bitcoin sticker in the window.
The smartest way to spend across all of Poland, at supermarkets, restaurants, hotels, and online is through a crypto card that converts at the moment you tap.
The UPay Card does exactly that at every Visa terminal in the country, with zero transaction fees on purchases.
Below is the full map: crypto-native businesses you can walk into today, and the tools that unlock every payment terminal in Poland.
Best Places To Spend Crypto In Poland
- Crypto card (best for daily spending): Use a UPay Card or similar Visa-based crypto card at any of Poland’s millions of Visa terminals supermarkets, restaurants, hotels, online stores. The card converts your crypto to PLN at point of sale. Zero transaction fees on purchases.
- Direct crypto merchants: Medicover (hospital, Warsaw/Wilanów), Xiaomi Outlet Warsaw (BTC/ETH/XRP), El Passion (B2B services), Strefa Cafe Bydgoszcz (Bitcoin), Dolcevita Suites Warsaw (Bitcoin-only apartments).
- Travel & hotels: Book hotels and flights in Warsaw, Kraków, and Gdańsk via CoinBooking with BTC, USDT, or ETH — no PLN conversion required.
- Gift cards: Buy gift cards for Allegro, Biedronka, and mobile top-ups (Plus, Play, Orange, T-Mobile) via Bitrefill using BTC or USDT.
- Bitcoin ATMs: 289 ATMs across Poland. Major concentrations in Warsaw (150+), Kraków (40+), Gdańsk (25+), Wrocław (20+).
Full guide with city-by-city breakdown, crypto tax notes, and what each method actually costs — below.
Where to Spend Crypto by City in Poland
Poland’s crypto-friendly businesses are concentrated in its major cities.
If you’re planning a trip or just deciding where to head with your wallet, here’s what each city actually offers crypto holders.
Warsaw — Poland’s Crypto Capital
Warsaw is the most crypto-active city in Poland by volume of accepting merchants and ATM density. With over 150 Bitcoin ATMs, you’re never more than a few minutes from a machine in the city centre.
- El Passion (Grzybowska Street, Wola district): Poland’s first Bitcoin-accepting company, paying since 2013. Accepts BTC for web and mobile development services.
- Xiaomi Outlet (Warsaw): Accepts Bitcoin, Ethereum, and Ripple for smartphones, smart home devices, and accessories.
- Medicover (Wilanów branch and Warsaw city): Europe’s first hospital to accept Bitcoin. Full range of medical services payable in BTC.
- Dolcevita Suites: Luxury serviced apartments in Warsaw that accept Bitcoin as their exclusive payment method. Ideal for crypto travellers wanting quality accommodation without any PLN conversion.
- Kantorbitcoin Warsaw: A Bitcoin exchange office located on the lower level of the Marriott Hotel, Al. Jerozolimskie 65/79. Buy and sell BTC, ETH, USDC for cash. Open Monday–Friday with weekend exchanges by appointment.
Kraków: Old Town With New Money
Kraków has a growing crypto scene anchored by its student population and tech community. The city has 40+ Bitcoin ATMs concentrated around the Old Town (Stare Miasto) and the Kazimierz district.
- Medicover Kraków: The Kraków branch of Europe’s first crypto-accepting hospital network offers the same services as Warsaw, including diagnostics and health packages payable in Bitcoin.
- Dziewiątka Pub & Club (former church, Kazimierz) — One of Kraków’s best-known Bitcoin-accepting bars and restaurants, run in a converted church and famous for hosting the Bitcoin Pub Crawl (called The Krawl Through Kraków) — a walking tour of Kraków’s crypto-friendly nightlife spots.
- Strefa Cafe & Yoga: Technically located in Bydgoszcz, but notable for any crypto traveller passing through central Poland. Accepts Bitcoin for coffee, food, and yoga sessions.
- Pyszne.pl: Pyszne.pl is Poland’s largest food delivery platform, the local equivalent of Just Eat, operating in every major Polish city.
While it does not accept crypto payments directly at checkout, you can purchase Pyszne.pl gift cards using Bitcoin, USDT, or Ethereum via Bitrefill and redeem them for full orders.
It’s one of the most practical everyday crypto-to-food pipelines available in Poland.
Gdańsk, Wrocław & Beyond
Outside the two major cities, crypto infrastructure exists but is thinner.
The practical approach for spending crypto in Gdańsk, Wrocław, Poznań, or anywhere else in Poland is a crypto Visa debit card, which works at every merchant terminal regardless of whether they know what Bitcoin is.
- Bitcoin ATMs: Gdańsk (25+), Wrocław (20+), Poznań (15+). Use coinatmradar.com to locate the nearest machine in real time.
- Crypto card: The UPay Card — and any Visa-based crypto card works everywhere Visa is accepted in Poland, which is effectively every merchant in every city.
Tools for Spending Crypto in Poland
Source: Freepik
If you’re in Poland and looking to spend your cryptocurrency, several tools and platforms are making it easier to use your crypto for everyday transactions. Here’s a list of the best options:
Crypto Cards
Crypto debit cards are another fundamental tool you can use to spend your cryptocurrency in Poland. These cards let you load your crypto onto them, so you can use the card anywhere that accepts standard debit cards.
For instance, with a UPay Card, you can load your crypto onto the card and use it like any regular debit card. The card allows you to make payments at stores, online, or withdraw cash from ATMs.
This includes everything from your morning coffee to online shopping.
One key feature of the UPay Card is that it has no transaction fees for purchases. However, when you use the card to withdraw cash from Bitcoin ATMs, a 2% withdrawal fee applies.
Crypto Wallets
Crypto wallets are a fundamental tool for storing and spending digital currencies. UPay is a perfect example. With UPay, you can send and receive crypto without any transaction fees, which makes it convenient for users.
Using a crypto wallet is a simple way to manage your funds and pay for services or goods, especially when combined with other tools like crypto debit cards or ATMs.
Bitcoin ATMs
Poland has a growing number of Bitcoin ATMs, which allow you to convert your cryptocurrency into cash or top up your wallet. These ATMs allow you to buy or sell Bitcoin and other cryptocurrencies without needing to visit an exchange.
It’s a simple way to convert your crypto into local currency whenever you need it. With over 270 Bitcoin ATMs located throughout Poland, including in major cities like Kraków, Warsaw, Gdańsk, Gliwice, and Katowice, you’re never far from a machine.
Gift Cards
If you’re looking to spend your crypto at businesses that don’t yet accept direct cryptocurrency payments, purchasing gift cards is a great option.
You can buy gift cards with your crypto and use them in various stores, both online and in physical locations.
Many popular retailers in Poland, such as Empik and Biedronka, accept third-party gift cards.
This means you can still use your crypto to shop, dine out, or enjoy entertainment even if the business doesn’t directly accept cryptocurrencies.
Tips for Spending Crypto in Poland
Source: Freepik
Be Aware of the Legal Status of Crypto
Cryptocurrencies are not recognized as legal tender in Poland, meaning you can’t use them the same way as traditional money.
Instead, they are classified as digital assets and treated as property for tax purposes. Any profit from selling or exchanging crypto is subject to a 19% capital gains tax.
Use Crypto Cards for Convenience
Many businesses in Poland do not accept direct crypto payments, but you can still use your crypto with crypto debit cards like the UPay Card.
These cards convert your digital assets into fiat currency at the point of purchase, making it easy to spend crypto at any store that accepts regular debit cards.
Take Advantage of Bitcoin ATMs
Poland has a large network of Bitcoin ATMs, making it easy to withdraw cash or top up your crypto wallet. Cities like Warsaw, Kraków, and Gdańsk have multiple ATMs, so you can access your funds whenever needed.
Consider Using Gift Cards
If a business does not accept crypto payments, you can still purchase gift cards with crypto and use them at major retailers.
Stores like Biedronka accept gift cards, allowing you to shop for groceries, electronics, and more using your digital assets.
Be Prepared for KYC Requirements
Poland follows strict Anti-Money Laundering (AML) regulations, meaning most crypto exchanges and services require Know Your Customer (KYC) verification.
If you’re using a local exchange or a crypto service provider, be ready to submit documents like your ID or proof of address to comply with Polish regulations.
Conclusion
Spending crypto in Poland is becoming more accessible as businesses and services gradually embrace digital currencies.
From shopping on Allegro to dining at select cafés and using Bitcoin ATMs, crypto holders have several options to make everyday transactions.
Crypto debit cards and gift cards also provide convenient alternatives for places that don’t yet support direct crypto payments.
While regulations and banking restrictions can make spending crypto tricky, more businesses are starting to accept it.
Frequently Asked Questions(FAQs)
How can I pay with crypto if a store doesn’t accept it directly?
If a store doesn’t accept crypto directly, you can still use gift cards as an alternative.
Many retailers in Poland, such as Biedronka and Allegro, allow purchases with gift cards, which you can buy using crypto. This lets you indirectly use digital currencies for shopping, dining, and services.
Is it safe to spend crypto in Poland?
Spending crypto in Poland is generally safe, but you should be cautious of scams, phishing attacks, and unverified merchants. It’s advisable to use trusted platforms and businesses that openly accept cryptocurrency.
