From 1 January 2026, Poland will introduce new rules for monitoring card payments. The tax authority will receive more information from banks about transactions made with bank cards.
Banks will share data on all card transactions made by business owners with the tax authorities — with no thresholds or limitations.
For private individuals, an annual limit will apply: if the total amount of card expenditures exceeds the equivalent of €25,000 (approximately PLN 106,000), the bank will report this to the tax office.
The information forwarded to the tax office will include: identifying details of the cardholder, account numbers linked to the card, total deposits and payments, and more.
The aim of these changes is to combat the "grey" economy and increase the transparency of financial transactions. The government wants to ensure that income used to cover expenses has been declared and taxed.
For the majority of Ukrainians who work legally, nothing will change. Your salaries are received through official channels, taxes are paid, and all transactions are transparent. However, those who receive cash "in an envelope" or make large transfers without documented income should be more careful — such operations may come under scrutiny.
Advice from Gremi Personal: If you work legally, have a valid contract, and receive your salary to a bank account — you have nothing to worry about. We always support our employees with legal employment, tax matters, and settling into life in Poland.
The new rules for monitoring card payments take effect on 1 January 2026. From that date, banks will pass more information about bank card transactions to the Polish tax authority.
For private individuals, an annual limit applies. If total card expenditures exceed the equivalent of €25,000, approximately PLN 106,000, the bank will report this to the tax office. Business owners have no threshold, as all their card transactions are shared.
The data forwarded to the tax office will include the cardholder's identifying details, account numbers linked to the card, and total deposits and payments, among other information. The aim is to make financial transactions more transparent.
For most Ukrainians who work legally, nothing will change, since salaries arrive through official channels and taxes are paid. People who receive cash in an envelope or make large transfers without documented income should be more careful, as such operations may come under scrutiny.
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