The banks are disclosures. fresh transaction limits controlled

Since the beginning of 2025, it has been mandatory new EU legislationwhich impose on banks the work to study on a fiscal basis transactions exceeding EUR 1000. Although regulations arise straight from the directive of the European Union, the consequences of their implementation will be felt by all citizen utilizing financial services in Poland. The Ministry of Finance explains that this is simply a step towards a more effective fight against taxation offences, but there are besides critical voices that are saying interference with privacy Citizens.

What precisely are the fresh regulations about?

The basis for introducing fresh rules is EU DAC Directive7, which aims to increase transparency of taxation systems and to seal the collection of Danes. According to the fresh guidelines, financial institutions – i.e. not only banks but besides electronic payment operators – are required to supply information about selected transactions of their customers to taxation authorities.

The key threshold is here. 1000 euro - That's okay. PLN 4300–4500 depending on the exchange rate. Any transaction that exceeds it may be reported to the tax together with additional data identifying the consignor and the consignee.

New regulations include:

• bank transfers,
• card payments,
• transactions through e-commerce platforms,
• payments and cash payments (in circumstantial cases).

What changes for a common citizen?

In practice, this means that natural persons making major transfers, e.g. between household accounts, as part of the acquisition of a car or property, may be covered by a fiscal analysis. Although exceeding the threshold does not mean automatic control, the transaction data will be included in the IT strategy of the National taxation Administration and may be utilized in the future, e.g. through the verification of gross sources.

In the assessment of taxation experts, this means de facto extension of fiscal monitoring tools, which so far have mainly included economical activities and advanced hazard transactions. Now besides average citizens can be subject to greater control – especially if they make regular payments or transfers of crucial amounts.

Objective: to fight fraud and the grey zone

Ministry of Finance argues that the implementation of the government has primarily reduce taxation fraud and seal the fiscal system. Transactions above a certain limit may indicate:

• hidden economical activity without registration,
• non-tax transfer,
• transfers of funds between capital- or personal-related companies.

This kind of action is hard to detect without systematic analysis of payment data, and the fresh directive so requires banks to transmission of data in standardised form, which allows them to be processed by KAS analytical systems.

Does that mean no more privacy in banking?

Although the aim of the directive is not to monitor, but to defend the public interest, critical voices are emerging – both from NGOs and any financial marketplace experts. The argument about a possible breach of privacy is raised citizens who, in the light of fresh regulations, can be monitored for no peculiar reason.

The question besides raises doubts data securitywhich are transferred between banks and taxation authorities. Their number and sensitivity make it essential to supply the highest standards of protection against or usage of information outside fiscal objectives.

Who will be first included in the fresh regulations?

The fresh regulations apply to all financial institutions operating within the European Union, but implementation of the various elements will take place in stages. In Poland, according to the declarations of the Ministry of Finance, The first reports of banks are to go to the fiscal office in the second 4th of 2025.

The work applies to both individual customersand entrepreneurs, as well as users of platforms specified as Allegro, OLX, Vinted or Etsy if they usage them in specified a way as to qualify as a gainful activity.

What can you do to avoid confusion?

Experts urge that those who carry out larger transactions – e.g. donations, private loans or the acquisition of goods of crucial value – document their actions and, where possible, the intent of the transfer. In case of a call from the taxation office, this will key proofthat the funds came from a legitimate origin and were legally transferred.

It is besides worth following the current messages of the Ministry of Finance and National taxation Administration – it is possible that in the coming months there will be Specific guidelines for citizensto better realize the scope of the fresh obligation.