The IRS massively blocks the accounts of Poles. Just 1 transfer to lose your savings

Paying $50,000 from my parents to my daughter's apartment? In 2025 this could be the beginning of a financial nightmare. More and more Poles are convinced on their own how ruthlessly fresh fiscal tools work. The automatic strategy analyzes all major transaction, and 1 responsibility can consequence in 3 months account lock and the request to pay draconian, 75% tax from the full amount. This is not a scare – it is simply a fresh reality in which simple financial assistance from the household can transform into a multimonth conflict with the taxation office. By 2023, the IRS had already blocked about 1.2 1000 bank accounts, with frozen amounts reaching hundreds of millions of zlotys. The strategy blocks first and then asks questions. You request to know how to defend yourself from this.

STIR: How does “Big Brother” of Polish IRS work?

The key to knowing a fresh wave of control is IT strategy of the Chamber of Clearance (STIR). This advanced tool, which since 2022 in real time analyses virtually all transactions in company accounts, and its coverage unofficially besides covers individuals. STIR uses complex algorithms to measure the hazard of each operation. If the strategy considers the transfer to be a suspect, it can send a signal to the Head of the National taxation Administration.

What does this mean in practice? Your account can be blocked by computer analysis itself, without any prior warning. The first blockade continues. 72 hours And it's time for officials to look into the case. Unfortunately, at this phase you are not entitled to any appeal. If suspicion persists, the blockade may be extended to period up to 3 months. For the entrepreneur is simply a conviction that can destruct the company and for the private individual – financial paralysis and large stress.

‘The account block shall take place automatically. The first, for 72 hours, is simply a nuisance, yet reversible and short-lived. The second, for 3 months. And this is already a measurement which fundamentally interrupts the appropriate operation of the company," explains Alicja Sarna, taxation expert from Crido, quoted by Infor.pl portal.

A household donation is simply a trap? Ms. Anna's past and 75% tax

You think the problem is only about large companies? Nothing more wrong. Anna from Krakow, who received PLN 120 1000 from her parents in 2023 for her own contribution to the apartment, was convinced. The money was transferred with the correct title “a gift to the apartment”. Nevertheless, after 2 weeks she received a letter from the taxation office requesting clarification. Officials were interested, Where did parents get the money?Which they gave to their daughter.

It turned out that parents had been putting cash out of their pensions for years and did not have papers confirming the origin of each gold. Fiscus thought it might be undocumented income. The case lasted 8 months and ended with an additional tax. Even worse ended the past of matrimony from Warsaw, described by the diary of the Legal Gazette. The couple bought the property, but could not prove the origin of 27 1000 zlotys. The NSA has maintained the fiscal decision that he imposed on them a sanction rate of 75% tax. In total, they had to pay over 20 1000 zloty penalties.

This is the worst-case scenario. If the taxation office considers that your expenses are not covered in the disclosed income, it may impose a 75% income taxation on you from undisclosed sources. This means that of all 100 1000 zlotys of obscure origin, You've got to pay back 75 grand..

These transactions are targeted. Limits You Must Keep

STIR algorithms and officials' vigilance are sharpening in circumstantial operations. You must be aware of the transactions that can automatically light a red light in the IRS system. First of all, any cash deposit or transfer above 15 1000 euro (currently approx. 65 1000 PLN) is automatically reported to the General Financial Information Inspector (GIIF).

However, banks and fiscals besides monitor smaller amounts if they appear suspicious. Paying peculiar attention to what?

• Family loans: A debt above PLN 10,434 from the nearest household (so-called zero taxation group) must be submitted to the taxation office on the PCC-3 form within 14 days. It must besides be documented by a bank transfer – cash is not an option.
• Frequent cash deposits: Regular deposit of smaller amounts of cash into the account can be interpreted as an effort to avoid a threshold of EUR 15,000.
• Untypical transactions: If you usually have PLN 4,000 per period in your account, and abruptly you receive a transfer to PLN 60 thousand, the strategy can description this as an anomaly requiring verification.
• Unclear transfer titles: Always usage precise titles, specified as “a gift from your parent for housing” or “repayment of a debt from the contract dated X”.

Remember that since July 2022 the governors of the taxation offices have the right to look into the past of your bank account without having to inform you of this fact.

Was your account blocked? Here's what you gotta do.

If 1 day you find that you can't pay by card or transfer, don't panic. The first step is to find who blocked the funds and why. The bank is obliged to supply you with information about the case number and body that issued the order (this may be the taxation office, ZUS, bailiff or prosecutor).

If the STIR is blocked, the key reaction is rapid. Contact the taxation office and prepare any papers that may explain a suspicious transaction – donations, loans, invoices. Cooperation with the office is the best strategy. Avoiding contact only worsens the situation and increases the probability of extending the lock for 3 months.

Even with full blockade, the law guarantees you a minimum of existence. It's called. amount free of charge, which amounts to 75% of the minimum wage (currently PLN 3225 gross). This amount is renewed all period and you can retreat it from your account for basic needs. Remember that the unused amount in a given period does not pass to another.

How can we safely transfer money in the family? applicable Advice

In order to avoid the nightmare of combating the tax, respective iron rules must be respected. In the fresh taxation reality, the key is complete documentation and transparency. Here's how to defend your finances:

• Transfers only: Forget about transferring bigger amounts in cash. Any donation or debt must have a trace in the banking system.
• Document everything: Make written donations and loans, even in your immediate family. Keep them with the transfer confirmation.
• Report donations and loans: delight note the timely submission of the PCC-3 declaration (14 days) for loans or SD-Z2 (6 months) for donations to benefit from the taxation exemption.
• Take care of the origin of money: If you are giving money to someone, make certain that you can paper their origin (e.g. from a occupation contract, selling an apartment, early donation).
• Use precise transfer titles: alternatively of ‘transfer’, kind ‘a gift for the acquisition of a car’ or ‘repayment of a debt dated 10.01.2025’.

The time erstwhile you could freely have cash and aid your household without formalities has passed. Today, all buck has to have a story. It is better to take a minute to prepare papers than to spend months proving your innocence before the taxation office.