For 500PLN (Polish Zloty) from an ATM we were getting charged approx. £105-£106 - if we had allowed the conversion to take place on the ATM machines we were getting quoted £120ish which saved us approx. £15 per £100 cash withdrawal. We also had no problem whatsoever using Starling Cards as contactless payment cards during our trip to Wroclow and Gdansk. It even worked great at automated ticket machines for buses and trams.