Poland is quickly becoming one of the most crypto-friendly countries in Europe. Poland is becoming one of the easiest places to spend cryptocurrency.
With nearly 8 million people expected to be using crypto by 2025, it’s no surprise that more businesses are starting to accept digital currencies for everyday transactions.
“Moreover, the user penetration rate is expected to be 19.96% in 2025 and is forecasted to increase to 19.96% by 2025.”
Key Takeaways
- Poland’s crypto adoption is rising, with 7.91 million users projected by 2025, according to Statista.
- More businesses in Poland are accepting crypto, including Allegro, Pyszne.pl, STReFA Cafe & Yoga, and El Passion.
- Crypto payment tools like Bitcoin ATMs, crypto debit cards (e.g., UPay Card), and gift cards make transactions more convenient.
- Poland is updating its crypto regulations in line with the EU’s MiCA framework, improving consumer protection and transparency for digital assets.
- Crypto is classified as a digital asset, and transactions are subject to a 19% capital gains tax in Poland.
An Overview of Spending Crypto in Poland
Poland is quickly becoming one of the most crypto-friendly countries in Europe. Poland is becoming one of the easiest places to spend cryptocurrency.
With nearly 8 million people expected to be using crypto by 2025, it’s no surprise that more businesses are starting to accept digital currencies for everyday transactions.
“Moreover, the user penetration rate is expected to be 19.96% in 2025 and is forecasted to increase to 19.96% by 2025.”
Statista
To support this growth, Poland is introducing new crypto regulations in line with the EU’s MiCA (Markets in Crypto-Assets Regulation). These laws aim to improve transparency, protect consumers, and set clear guidelines for businesses dealing with digital assets.
In December 2024, the government released an updated draft of its crypto law, an important step for companies looking to offer crypto services legally. At the same time, crypto is gaining attention in Poland’s political landscape. A candidate in the 2025 presidential elections has pledged to make Poland a “cryptocurrency haven” if elected, even proposing a strategic Bitcoin reserve.
“Poland should create a Strategic Bitcoin Reserve. If I become the President of Poland, our country will become a cryptocurrency haven, with very friendly regulations, low taxes, and a supportive approach from banks and regulators.”
Sławomir Mentzen
However, the National Bank of Poland (NBP) remains firm in its stance against incorporating Bitcoin into the country’s reserves, with NBP President Adam Glapiński citing security and stability concerns. Despite differing views, these developments highlight Poland’s growing interest in digital assets.
Now, if you’re wondering about the best places to spend crypto in Poland, you’ll be happy to know that options are growing every day. Places like Allegro, Poland’s biggest online marketplace, now accepts crypto payments.
Plus, with about 289 Bitcoin ATMs across the country, it’s now easier to withdraw or top up your crypto.
In essence, with more businesses accepting digital currencies and clearer regulations in place, Poland is becoming a great destination for crypto users.
Best Places To Spend Crypto In Poland
| S/N | Best places to spend crypto in Poland | Category |
| 1 | STReFA Cafe | Coffee Shop |
| 2 | Allegro | Online Marketplace |
| 3 | El Passion | Design and Development Agency |
| 4 | Medicover | Hospital |
| 5 | Xiaomi Outlet | Gadget Store |
Strefa Cafe & Yoga
Source: Trip Advisor
Supported Crypto: Bitcoin
Strefa Cafe and Yoga is a beautiful, cozy spot in Bydgoszcz, perfect for relaxing with a coffee. With its plant-filled interior and a balcony overlooking the Brda River, it’s a great place to unwind.
The menu is fantastic, and now, you can pay with Bitcoin, making it even more convenient for crypto users. Whether you’re grabbing a quick coffee or enjoying a peaceful afternoon, Strefa Cafe and Yoga is one of the best places to spend crypto in Poland.
Allegro
Supported Crypto: Bitcoin, USDT, or Ethereum via Bitrefill
Allegro is Poland’s largest online shopping platform, offering everything from electronics to fashion. It now allows direct Bitcoin payments, making it easier for crypto users to shop.
You can also buy Allegro gift cards using Bitcoin, USDT, or Ethereum on platforms like Bitrefill. With millions of products and fast delivery through Allegro, you can easily shop for essentials or gadgets on the platform.
El Passion
Supported Crypto: Bitcoin
El Passion, a top product design and development agency in Warsaw, made history in 2013 as the first company in the city to accept Bitcoin. Specializing in web and mobile app development, AI solutions, and agile project management, they seamlessly blend creativity with technology.
Thus, if you’re a startup or an established business, El Passion allows you to pay for their services in crypto.
Medicover
Supported Crypto: Bitcoin
Medicover is Europe’s first hospital to accept Bitcoin, making it a game-changer for crypto users seeking quality healthcare in Poland.
With locations in Wilanów and Warsaw, it offers a range of medical services, from hospitalization and treatments to executive health screenings. Patients can also explore Medistore, its online platform for medical care packages and diagnostics.
Xiaomi Outlet
Supported Crypto: Bitcoin, Ripple, Ethereum
The Xiaomi Outlet in Warsaw is a great spot for tech lovers who want to shop with crypto. Known for its affordable yet high-quality devices, Xiaomi offers a wide range of innovative products.
If you’re looking to buy smartphones, smart home gadgets, or accessories, you can easily pay here using Bitcoin, Ethereum, or Ripple. If you’re in Warsaw and want to upgrade your tech while spending your crypto, this store makes it easy and convenient.
Tools for Spending Crypto in Poland
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
Spending cryptocurrency in Poland is becoming more accessible, but there are a few important things to keep in mind to ensure a smooth experience. Here are some key tips:
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.
Challenges of Spending Crypto in Poland
Source: Freepik
While Poland is becoming more crypto-friendly, there are still some challenges when it comes to using crypto for everyday transactions. Here are some key obstacles to be aware of:
Cybersecurity Risks and Scams
Like in many other countries, crypto users in Poland face cyber threats, phishing scams, and fraudulent schemes.
The lack of strong consumer protections compared to traditional banking can make crypto transactions riskier, especially for newcomers.
Uncertainty in Regulations
Poland is still refining its crypto regulations, and ongoing legal changes can create uncertainty for both investors and businesses.
As the government continues to align with EU regulations (MiCA), new laws may impact how cryptocurrencies can be spent, stored, and taxed.
Limited Merchant Adoption
While more businesses in Poland are starting to accept crypto, adoption is still not widespread. Outside major cities like Warsaw and Krakow, it can be challenging to find stores that accept digital currencies.
As a result, users often rely on crypto debit cards, Bitcoin ATMs, or gift cards to spend their crypto indirectly.
Limited Support from Traditional Banks
Many banks in Poland are cautious about working with crypto-related businesses. This can lead to difficulties in accessing banking services, making withdrawals, or converting crypto to fiat currency. Without better integration into the financial system, crypto adoption remains limited.
“The effects of the banks’ actions described clearly aim at removing virtual currency entities from the market, despite the fact that such activities are legal and conducted with dignity. In view of the above, action by the regulators is necessary, and this notice and his requests are fully substantiated.”
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.
Luckily, the growing list of the best places to spend crypto in Poland shows that using crypto for everyday purchases is getting easier.
Frequently Asked Questions(FAQs)
Can I use cryptocurrency to pay for goods and services in Poland?
Yes, many businesses in Poland now accept cryptocurrency as a payment method. You can shop online on Allegro, order food from Pyszne.pl, or even visit places like Strefa Cafe & Yoga for a meal or wellness session.
Are there Bitcoin ATMs in Poland?
Yes, Poland has over 270 Bitcoin ATMs, making it easy to buy and withdraw crypto. Major cities like Warsaw, Kraków, and Gdańsk have multiple ATMs, allowing users to convert crypto into cash or top up their wallets conveniently.
Can I use a crypto debit card in Poland?
Yes, crypto debit cards like the UPay Card allow you to spend crypto at any store that accepts card payments. However, some cards like the UPay Card charge fees, such as a 2% withdrawal fee for ATMs. Thus, it’s good to check the terms before using them.
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 cryptocurrency legal in Poland?
Yes, cryptocurrency is legal in Poland, but it is not recognized as legal tender. Instead, it is classified as a digital asset and subject to capital gains tax.
Are there regulations affecting crypto payments in Poland?
Yes, Poland follows the EU’s Markets in Crypto-Assets Regulation (MiCA) and has introduced new laws for virtual currency service providers. These regulations aim to improve consumer protection, transparency, and anti-money laundering (AML) compliance. Businesses dealing with crypto must register with authorities to operate legally.
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.
