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The official currency is Zloty (PLN), divided into 100 groszy. Poland is essentially a "cash country", and it is difficult to negotiate credit cards and travellers cheques in the cities, and well nigh impossible in rural areas. American Express, Diners Club, Visa and MasterCard are, however, accepted in places frequented by tourists. ATMs are also beginning to proliferate in Polish cities, where they are designated by the sign "Bankomat". Money (preferably US$ or Euros) can be exchanged in the cities and larger towns at banks, hotels or bureaux called "kantors", which offer the best rates.
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