The reservation of the PESEL number consists of adding it to a peculiar registry kept by the Ministry of Digital Affairs. In June 2025, Deputy Prime Minister and Minister of Digitization Krzysztof Gawkowski reported that over 6.5 million people had already decided to do so. "This reduces the hazard that criminals will usage our data for example to extort credit," he explained.
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See the video regular "work" of cheats looks like a occupation in an office?
What does it mean to reserve the PESEL number? Shield against extortion
As of 1 June 2024, all financial institutions (banks, debt companies) must verify the position of the PESEL number before granting loans or loans. Notaries and telecommunications operators are besides required to check. The reservation blocks, among others, the anticipation of borrowing, lending, signing of a telecommunications contract or carrying out certain notarial activities.
The reserved PESEL provides certainty that the institutions will thoroughly verify whether the application is made by the competent person. It is simply a free, fast and simple electronic service. You will find it in the mCitizen app. You can besides apply to any municipal office. It is worth noting that the reservation of the PESEL number can be revoked at any time erstwhile there is simply a request to settle a case and then re-barred.
What gives a reservation to the PESEL number?Andrzej Rostek/iStock
A fresh method of fraud. They buy OC policies for stolen PESEL
Unfortunately, the reservation of the PESEL number will not always help. They inactive don't verify it in 1 place. This is about insurance companies that do not check the reservations erstwhile concluding OC contracts. At this point, insurers do not have specified rights. This means that cheaters can inactive act and sign papers for another people's data, thereby putting them at hazard for financial consequences. It is adequate that the thief pays the first installment, and as a consequence the insurance company cannot pronounce the policy. The injured individual then becomes the recipient of calls for payment, and he must repay the incurred debt. Later, the scam artist concludes false car acquisition deals for stolen data. The buyer can proceed the OC policy of the car seller until the date of its automatic expiry. Since the vehicle's insurance has been prescribed for stolen individual data, a summons to pay for deficiency of OC will be sent to the victim of the crime. Work is ongoing on the amendment of the Act, which is intended to change that.
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