The Polish Tax Office is tightening control over bank accounts and transfers in 2025. Find out which categories of Ukrainians are at risk and how to avoid blocking accounts

Legal assistance for Ukrainian entrepreneurs

GET

The National Tax Administration of Poland (KAS) is significantly tightening control over financial transactions and bank accounts. According to in Poland, the tax authorities will pay special attention to inspections of foreign, including Ukrainian, entrepreneurs and suspicious bank transfers in 2025.

Mechanism for blocking accounts and timing of inspections

The STIR system (Settlement Coordination Center Information and Communication System) automatically monitors suspicious financial flows. If signs of irregularities are detected:

● The account may be blocked for 72 hours;

● If necessary, the blocking can be extended for up to three months;

● The seizure may extend to real estate and other assets.

It is important to note that the blocking can occur even before the start of the official audit, only based on signals from the STIR system.

According to the current rules, STIR allows you to block an account in case of suspicious activity, which may indicate, for example, tax evasion or money laundering.

What business areas will Polish tax authorities check the most?

According to Deputy Minister of Finance Zbigniew Stawicki, industries with a high risk of fraud will be subject to special control. The most thorough inspections are expected to be conducted in:

● The construction sector - due to the widespread practice of issuing fictitious invoices.

● Intangible services - due to the difficulty of verifying the actual provision of services.

● IT sector - due to frequent cases of illegal transactions and fake documentation.

It is noted that it is in these sectors that the Treasury most often detects fictitious invoices and transactions aimed at reducing tax liabilities among Ukrainian entrepreneurs.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

What bank transfers may arouse the suspicion of the tax authorities?

All transfers exceeding EUR 15 thousand (approximately PLN 64 thousand) are subject to automatic monitoring. However, other transactions may also attract the attention of the tax authorities:

● Regular transfers of small amounts to one recipient;

● Receipt of the same amount from different senders;

● Transfers with suspicious or ambiguous payment purposes.

In Poland emphasizes that a transfer with a vulgar or suspicious description, as well as a description containing the name of a company under sanctions, may be automatically blocked by the bank.

Can accounts also be blocked for donated money?

It is noted that not only entrepreneurs but also ordinary Ukrainians should be careful. After all, Polish law sets clear limits on the amount of gifts and donations:

● Tax group I (immediate family: spouses, children, parents) - up to PLN 36,120;

● Tax group II (distant relatives) - up to PLN 27,090;

● Tax group III (unrelated persons) - up to PLN 5,733.

Important: close relatives may avoid taxation of gifts, but are obliged to notify the tax office of the funds received within 6 months from the date of receipt.

How to protect your business from account blocking?

To minimize the risks of blocking accounts, Ukrainian entrepreneurs should:

● Thoroughly document all business transactions;

● Avoid suspicious wording in payment purposes;

● Ensure transparency of financial flows;

● Pay taxes and submit reports on time.

💼 Need advice on doing business in Poland? Visit Ukraine lawyers will provide professional support and help you avoid problems with the tax authorities. Apply for expert support now!

We remind you! On September 30, Ukraine joined the international exchange of information on financial accounts based on the CRS standard. Accordingly, the tax service has gained access to the data on Ukrainians abroad that is within its competence. Read what kind of information about taxpayers the responsible service can receive on the basis of CRS in our previous article.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

© 2018-2024, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.