We were in Krakow in September and our bank told my husband that they would exchange larger notes (20 Zl and bigger) if we brought them back. We used our Mastercard without any problems while we were there and I'm sure Visa would be the same. We saw ATMs around the city, probably not as many as we are used to here but they were there.

My only experience was also in Krakow, where we had no problems using Visa or finding an ATM. If the place you are going is less touristy, then I don't know. We got our zloty at a large M&S that do exchange and I thing they too exchange the money back later.

We were in Krakow between Christmas and New Year, last year (my report and photos are on here somewhere if you search) and it was very cold, we had more than a foot of snow fall while we were there. All the buildings, hotels and restaurants we went it were lovely and warm and the snow didn't seem to impact traffic. They are used to the cold and seem to cope very well, just take warm clothes and boots to keep yourself warm and dry if you go out.

Thanks everyone.
Maybe best to bring lots of spare cash in case I can't use my visa. And obviously bring loads of layers. Looking forward to this new experience. From what I've read on the boards everyone is very positive about Poland.