A two-dimensional finite-element-based model of coupled fluid flow, mass transport, and electrochemistry is derived for a polymer electrolyte fuel cell operating without external humidification of the reactant gases. Transport in the gas channels and gas-diffusion electrodes is modeled using the continuity, potential flow, and Stefan-Maxwell equations. Concentrated solution theory is used to model transport within the membrane. Predictions of the fraction of product water leaving the anode side of the fuel cell are compared to recent experimental studies in the literature. The present model correctly predicts the dependence of product water leaving the anode on hydrogen stoichiometry, oxygen stoichiometry, current density, and cell temperature. The multidimensional nature of transport within such a fuel cell is discussed and plots of streamlines, gas mole fractions, and water content of the membrane are presented. (C) 2000 Elsevier Science Ltd. All rights reserved.