The banks will block access to the cash. Millions of Poles amazed by the fresh limits!

dailyblitz.de 2 weeks ago

Imagine a situation that in 2025 becomes everyday for millions of Poles. You have $50,000 in your account, but you urgently request to retreat $5,000 in cash to repair your car. You walk up to the ATM and... you can pay up to $800. Next ATM – again 800 PLN. To collect the amount needed, you must visit as many as 7 different devices. It's not a failure, it's a new, brutal reality. Banks deliberately restrict access to your own money, paralyzing finances at the least appropriate moment. It is officially a fight against cybercrime, but in practice honest customers suffer. We've analyzed the latest developments, and we've given circumstantial numbers that can shock anyone.

ATMs: Where is your cash?

What seemed unimaginable a fewer years ago, present is simply a fact. The biggest ATM operators in Poland have drastically reduced the limits of one-off withdrawals, which importantly impedes regular financial management. Euronet, having the largest network in the country, allows to pay only PLN 800 each time. Planet Cash, the second-largest player, is only a small "genderer", offering a limit of PLN 1000. These amounts, which may have seemed large 2 decades ago, present barely cover basic needs. For comparison, the average monthly expenses of the Polish household in 2025 oscillate around PLN 6000. This means that paying even a weekly household budget requires multiple visits to ATMs, wasting time and frequently paying extra fees. Moreover, each device has its own method limitations, e.g. it can issue up to 30-40 banknotes. If he only has 50-gold bills, the maximum payout is PLN 2,000, regardless of the limits of your bank.

PKO BP and shocking cuts: Who's gonna lose the most?

The largest Polish bank, PKO Bank Polski, amazed millions of customers, introducing drastic reductions in the default transfer limits in the IKO mobile application since May 2025. Earlier, the average user could freely transfer 20-30 1000 PLN per day from the application. Currently, the default limit is just PLN 3000 for bank transfers. That's little than the average monthly food spending for a four-man family! The bank explains these changes "to fight cybercrime and to defend customers". In practice, however, payment of rent, instalments of credit or larger accounts may require the settlement of transactions for respective days if the client does not rise the limits in advance. These changes are most severe for entrepreneurs who urgently request to transfer money to suppliers or workers. The company may have hundreds of thousands of zlotys in its account, but it will be blocked at the level of "pocket" at the most critical moment.

Chaos in banks: Divergent limits and hidden traps

The differences between banks in terms of limits are immense and bring customers into real chaos. Santander Bank Polska allows you to retreat PLN 1000 erstwhile from the ATM, but its regular limit reaches PLN 19,800, and in online transfers up to PLN 400 thousand. Pekao offers much more freedom in cash withdrawals – standard cards let for a one-off payment of PLN 6 thousand, and gold debit cards up to PLN 15 thousand. mBank is the most liberal in online banking (500 1000 zlotys a day with mobile authorisation), but in mobile application limits fall to just 10 1000 zlotys a day. The BLIC system, although intended to facilitate, introduces further restrictions. Transfers to the telephone via BLIK in Pekao and VeloBank are limited to 500 PLN per day. mBank goes even further, allowing for just 5 transfers per day, regardless of the amount. This means that after 5 transactions the function is blocked by the next day. Worse still, "immediate transfers" frequently have low limits (PKO BP only PLN 3000) and are blocked for crucial institutions specified as the taxation Office or ZUS, which prevents urgent payment of taxes.

How do you regain control of your money? applicable Guide

In the face of these changes, proactive financial management is crucial. First of all, Don't presume you'll always have free access to your money. Before planning more expenses – whether it's buying a utilized car, paying for repairs or holidays – check the limits in your bank. Most institutions let them to be changed by the app or website, but the process may take respective hours to respective working days. It is worth considering having accounts in respective different banks to usage their different specializations and limits. In emergency situations, remember the cashback function in stores – many retail chains let you to pay an additional PLN 200-500 erstwhile paying with a card. Discover besides the location of ATMs of various operators in your area. If you request more cash, remember the anticipation of withdrawals in bank branches: Bank Pekao allows to pay up to PLN 20 1000 without prior notification, likewise Santander Bank Polska. Higher amounts require an earlier declaration, but in case of emergency it is simply a valuable solution. Planning and awareness are your best allies in the fight against banking restrictions.

The fresh bank limits in 2025 are a challenge that millions of Poles face. The illusion of full access to our own resources has been disbanded, and reality requires us to be more alert and strategically planning. Whether you are a private individual or an entrepreneur, you must be prepared that your money can be “locked” by the system. Awareness of these limitations and cognition of applicable solutions is key to preserving financial liquidity and avoiding unpleasant surprises. Do not let banks dictate erstwhile and how you can usage your savings!

Follow us in Google News

Watch

Read more:
The banks will block access to the cash. Millions of Poles amazed by the fresh limits!

Read Entire Article