Since 2025, Poland has tightened the rules on monitoring bank transfers. These changes aim to increase efficiency in the fight against money laundering and taxation avoidance. taxation payers should be aware of fresh limits and obligations in order to avoid unpleasant consequences.
New limits and responsibilities
Under current rules, banks are required to study to the General Financial Information Inspector (GIIF) transactions whose value exceeds EUR 15,000 (approximately PLN 65,000). This applies to both individual transfers and a series of transactions which may be considered as an effort to circumvent this limit.
In addition, transfers related to virtual currencies with a value exceeding EUR 1 000 they are besides subject to notification .
Suspicious transfers
It is not only advanced amounts that can attract the attention of the tax. Suspicious transactions include:
- Regular transfers to low amountswhich may propose an effort to circumvent the notification limits
- Transfers with different titles, specified as ‘loan’, ‘gift’, ‘present’, which are not adequately documented
- Contributions from different broadcasters to akin amounts, which may indicate non-taxable activities
Consequences of irregularities
If suspicious transactions are detected, the taxation office shall have the right to:
- Block the bank account for up to 72 hours and in any cases for up to 3 months
- Apply financial penalties and request payment of outstanding taxation and interest .
- Initiate control proceedingswhich may include an analysis of transactions up to 5 years back
How to avoid problems?
To minimise the hazard of controls and sanctions, it is worth following the following rules:
- Document any major transaction – store the contracts, invoices and confirmation of transfers.
- Avoid dividing large transfers into smaller amountswhich may be considered an effort to circumvent the rules
- Precisely describe transfer titles, especially in the case of donations – e.g. “A gift for the boy of Jan Kowalski”
- Report donations to the taxation officeif their value exceeds certain taxation exemption limits.
The fresh provisions introduced in 2025 importantly increase the scope of fiscal control over bank transfers. taxation payers should be aware of the limits in force and paper their transactions carefully in order to avoid adverse consequences. Regular monitoring of its own financial operations and consultation with the taxation advisor may aid to guarantee compliance.
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The IRS tightens up the transfer checks. fresh limits and consequences for taxpayers
