Since Tradehill disappeared, which was really sad, I cannot find any Bitcoin exchange that let's me deposit and withdraw euros without fees, while they do for US dollars. Both Mt.Gox and Intersango have a 10-20 PLN fee that their bank charge. While Bitstamp has a 0.90 EUR fee + a EUR-USD conversion rate. Note that I'm looking for a real exchange, not for a person-to-person service like Bitmarket.eu or Bitcoin.de.
Would a non-bank transfer work? How about getting a realoadable prepaid debit card and using that for spending / ATM use?