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New BLIK ATM Withdrawal Limit at Euronet: What You Need to Know
Beginning February 19, 2026, Euronet Poland ATMs will implement a new, lower single cash withdrawal limit for BLIK transactions. The maximum amount users can withdraw via BLIK will be reduced to just $50, a significant drop from the previous limit of $200. This decision has stirred considerable debate among banks and their customers. The driving force behind this change? Financial considerations, primarily due to escalating operational costs and insufficient interchange fees. This article delves into the reasons behind Euronet’s move and how BLIK and various banks are responding to protect their users.
Euronet’s New BLIK Limit: The Details
Euronet Poland has unilaterally introduced a $50 limit per BLIK transaction across all its ATMs. The only exceptions are machines branded with the logos of specific banks that Euronet technically services. This new policy is set to remain in effect indefinitely, serving as Euronet’s response to what it deems unprofitable transactions. The company states that the costs associated with ATM operations, including cash transport and the impact of inflation, now far exceed the revenue generated from fees collected from the BLIK operator.
Why the Change? Understanding Euronet’s Perspective
Euronet Poland issued a statement clarifying its position:
“The introduction of a revised limit for cash withdrawals made using a BLIK code is essential to mitigate the financial losses incurred by Euronet Poland from these transactions. Currently, according to publicly available analyses, these operations are being executed by ATM operators in Poland at less than half the actual cost they bear for providing such a service.”
— Euronet Poland Statement
This decision could lead to higher fees for users who wish to withdraw larger sums using BLIK. To access more than $50, customers will be forced to perform multiple transactions. At “foreign” (non-bank-owned) ATMs, each additional transaction could incur separate fees, effectively creating a “commission trap” for consumers.
BLIK’s Official Stance
Polski Standard Płatności (Polish Payment Standard), the operator of BLIK, has confirmed that it has not altered its fee structure for ATM operators and currently has no plans for increases. The company is closely monitoring the market, particularly after recent changes in interchange rates by Visa and Mastercard. BLIK emphasizes its autonomous operational model and states that limiting withdrawals should not be used as a means to generate additional revenue.
“The limit introduced by the Euronet network applies exclusively to its ATMs and does not extend to other devices operating in Poland. BLIK users have access to over 13,000 ATMs nationwide, including more than 8,000 devices within bank-owned networks, where transaction limits remain at a higher, more convenient level.”
— BLIK Press Office
It’s worth noting that in 2025, users completed 79 million BLIK operations at ATMs, accounting for 2.7% of all BLIK transactions performed that year. The average value of a single BLIK cash withdrawal stood at approximately $180.
How Banks Are Reacting
Banks are proactively issuing warnings and advice to their customers. A primary recommendation is to avoid Euronet ATMs for BLIK withdrawals, as the new $50 limit often conflicts with their policies for free transactions, potentially leading to unexpected charges.
mBank’s Advice
mBank has specifically cautioned its customers about the fees associated with the new withdrawal limit at Euronet ATMs. Customers will no longer be able to make a single withdrawal large enough to guarantee a zero-commission transaction at these machines. In communications sent to clients, mBank reminds them about commissions for withdrawing smaller amounts and suggests using its own ATMs or other networks, such as PlanetCash.
PKO BP’s Recommendations
PKO BP has offered similar guidance:
“The introduction of a $50 single BLIK withdrawal limit is an independent decision by Euronet, over which the bank has no influence. Customers dissatisfied with Euronet’s decision can withdraw cash under the existing rules at over 13,000 other ATMs across Poland.”
— PKO BP Statement
ING’s Guidance
ING advises its customers to use ATMs with the ING logo or those belonging to the PlanetCash network, which collectively number over 5,200 devices nationwide. Withdrawals from these ATMs, whether made using BLIK or a card, are free of charge. Users can withdraw up to $2,500 per day, with a maximum single transaction limit of $1,000 from these machines.
Frequently Asked Questions (FAQ)
What is the new BLIK withdrawal limit at Euronet ATMs?
Starting February 19, 2026, the new single BLIK cash withdrawal limit at Euronet ATMs will be $50, down from the previous $200.
When does the new limit take effect?
The new $50 limit for BLIK withdrawals at Euronet ATMs will come into effect on February 19, 2026.
Why did Euronet implement this change?
Euronet states the change is due to rising operational costs (like cash transport and inflation) and low interchange fees, which make BLIK cash withdrawals unprofitable for them.
Will I pay more for BLIK withdrawals at Euronet ATMs?
Potentially, yes. If you need to withdraw more than $50, you’ll have to perform multiple transactions. Each additional transaction at a “foreign” ATM (not owned by your bank) may incur separate fees or commissions.
What does BLIK say about the new limit?
BLIK’s operator, Polski Standard Płatności, has not changed its fees for ATM operators and states that BLIK operates autonomously. They emphasize that the limit only applies to Euronet ATMs, and over 13,000 other ATMs nationwide still offer higher, more convenient withdrawal limits.
What are banks advising their customers?
Major banks like mBank, PKO BP, and ING are advising customers to avoid Euronet ATMs for BLIK withdrawals to prevent potential fees. They recommend using their own bank ATMs or other networks like PlanetCash, where higher limits and free withdrawals are often available.
Source: BLIK, Euronet, ING, mBank, PKO BP, Cashless.
Opening photo: Generated by Gemini
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