Bitcoin in Poland: The Situation

• Bitcoin is legal in Poland.
• The government recognizes it as a digital asset, not legal tender.
• It is subject to capital gains tax, and crypto exchanges are regulated under EU AML rules.

💳 Crypto Usage in Practice

• While Poland is tech-savvy, direct merchant acceptance of Bitcoin is limited.
• Most Polish businesses (especially small or local ones) do not accept crypto.
• Bitcoin ATMs exist in major cities (Warsaw, Kraków, Wrocław, Gdańsk), but fees can be high.
• Locals and expats use crypto mostly for investment, trading, or cross-border transfers, not everyday spending.

💼 The Best Way to Use Bitcoin in Poland: Spendo.com

Since Bitcoin isn’t widely accepted in stores, the most efficient way to spend it is by using Spendo.com, which turns your Bitcoin into a globally accepted payment method.

🔧 How Spendo Works in Poland

1. Create a Spendo account online.
2. Top it up with Bitcoin (or other supported crypto).
3. Receive a virtual or physical Visa/Mastercard.
4. Pay in-store, online, or while traveling, just like a normal debit card.
5. Spendo instantly converts your crypto to PLN at the time of purchase.

🛍️ Where You Can Use Spendo in Poland

Because it uses Visa or Mastercard rails, you can use it at:

• Hotels (Radisson, Marriott, Airbnb via gift cards)
• Restaurants and cafés (Starbucks, local spots)
• Grocery chains (Biedronka, Lidl, Carrefour)
• Public transport and taxis
• Online platforms (Allegro.pl, Zalando, etc.)

🧳 Why Travelers & Expats Prefer Spendo in Poland

• Avoid high ATM withdrawal fees and poor exchange rates.
• No need to carry large amounts of cash.
• Instantly access your crypto as spending money in PLN.
• Stay compliant and track expenses easily.
• Use one card across Europe—not just Poland.

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