There are few but extensive independent ATM operators in Poland (e.g. Euronet, ITCARD owner of Planet Cash ATM network, eCard, Global Cash) as well as smaller bank-owned networks. Fees depend on inter-bank agreements and are explicitly stated in card contract. Typically withdrawals from own and allied networks are free while from competitor's machines are subject to a percentage (3-4%) with constant minimum fee, e.g. 5 PLN (~$1.4).