No more pay under the table. The IRS gains access to your bank account

From July 2025 government that has the possible to permanently change relations between employers and workers enters into force. Ministry of Finance will gain a fresh tool in the fight against the grey region – the anticipation of analysing financial flows in private worker accounts. Aim? Detecting illegal employment and payments under the table. However, this regulation besides creates controversy about privacy protection and possible abuses.

New fiscal privileges – erstwhile will the office look into the employee's account?

The key amendment envisaged in the amendment assumes that tax authorities will be able to access data from private worker bank accountsif it occurs reasonable suspicionthat the remuneration paid is not in accordance with authoritative declarations. Importantly – account control will not be automatic or continuous. Data can only be accessed within the framework of a circumstantial procedure, conducted in connection with suspected illegal employment or underpaid in documents.

The aim of the changes is to hit the practice commonly known on the labour marketplace – to pay part of the wage "to hand", without paying contributions and taxes. specified actions are not only reduces gross to the state budget by billions of PLNbut besides deprive employees of their benefits – including pensions and health.

Impact on pathology – at whose expense?

Ministry of Finance convinces that the fresh government aims to protection of the interests of workerswho are frequently forced to sign contracts for amounts lower than the actual remuneration received. The difference goes to them without registration – which means a deficiency of protection in case of illness, accident or future retirement.

– The worker is frequently a hostage of the system. If he does not agree to part of the “black” salary, he loses his job. If he agrees, he risks not raising his pension contributions. fresh rules have restore balance – comments Dr Monika Krasińska, a specialist in labour law.

Border between control and surveillance

Despite the good assumptions, the regulations besides make big controversy. Opponents point to the hazard of excessive state interference in the private lives of citizens. – Access to a private bank account It's a very delicate matter. Even with reasonable suspicions it is easy to cross the privacy line – warns Panoptykon Foundation, protecting civilian rights.

The hotel ensures that all fiscal activities will comply with the GDPR provisions and that access to data will only be possible in strictly defined cases. However, concerns stay – especially in the context of experience of abuse of powers by state institutions.

Transparency or greater pressure?

For many entrepreneurs, amendments mean the request to seal interior wage procedures. For employees – No more silent consent to illegal forms of remuneration. On the 1 hand, opportunities for greater transparency, of the another part – The beginning of a fresh surveillance era over citizens.

Experts propose that the effectiveness of the fresh regulation will depend on how to apply it in practice. Excessive control or hasty action may undermine public confidence. In turn, reliable and precise execution can reduce the scale of pathology in the labour market.

What has changed since July 2025?

In conclusion, the key elements of the forthcoming change are:

• Fiscals gains the ability to control financial flows in worker accounts, only in criminal employment proceedings.
• The aim of the changes is to reduce payments under the tablewhich consequence in budget losses and deficiency of social safety for workers.
• Ministry of Finance providesthat the data will be processed according to GDPR and only in cases of legitimate suspicion.
• Critics indicate a threat of abuse of rights and blurring the border between control and surveillance.

Perspective: Changing the rules of the game on the labour market

The upcoming regulations may importantly affect Employment culture in Poland. If they prove effective, they can limit the scale of the grey area and increase workers' safety. However, if they are applied without feeling – they may deepen mistrust of the State and origin social unrest.

In practice, everything will depend on how to implement the fresh law and the quality of supervision of its application. The first checks, which will most likely start in the 3rd 4th of 2025, will show whether it will be a real improvement or only another control tool under the cloak of the fight against pathologies.