In 2025, the Ministry of Finance in Poland invested in advanced technologies allowing accurate monitoring of financial flows. These changes may have serious consequences for those who do not pay attention to the details of their banking transactions. Tax checks they're getting more precise, and the incorrectly typed transfer title can get us unwanted officials' attention.
Advanced payment monitoring tools
The Ministry of Finance introduced systems that let accurate tracking of financial flows. With specialized tools, taxation officials can easy identify suspicious transactions. This means that any unclear or different payment can be thoroughly checked. Transfer titles, recipient details and another transaction data are now analysed in real time.
The introduction of monitoring systems makes it possible to identify any attempts to hide income or to avoid taxation. Even insignificant irregularities may rise doubts that lead to further checks. Therefore, any citizen who carries out transactions should guarantee that his payments are correct.
What transactions will be controlled?
Under the fresh regulations, the gross Office will be peculiarly curious in the following types of payments:
- Large scale payments: Transfers exceeding the amount PLN 10 000 (or the equivalent in abroad currency) will be monitored in particular. If the transfer title is unclear or suspicious, it may trigger additional control.
- Transfers between individuals: Payments made to individuals, especially if not linked to typical commercial transactions, will be subject to more detailed analysis. Officials may check that they account for their income in an appropriate manner.
- International transactions: Payments between Poland and another EU countries and outside the Union may besides be subject to circumstantial control, especially if they do not contain adequate information on the intent of the transaction.
- Untypical Transfer Titles: Transfers with incomprehensible or suspicious titles specified as ‘gifts’, ‘loans’ or ‘services’ can attract attention from taxation authorities. The opaque wording of the transfer title may be considered as an effort to conceal the actual intent of the payment.
Why does the Ministry of Finance pay attention to the transfer title?
Transfer title is 1 of the key elements of each financial transaction. It is simply a “track” for taxation authorities that allows them to realize the intent of the transfer. It is possible to minimise the hazard of a transaction that raises suspicion by selecting the words in the title.
The Ministry of Finance draws attention to avoiding titles that may propose taxation fraud, specified as gross concealing transactions, illegal activities or donations that have not been decently reported in taxation returns. specified actions may consequence in the imposition of financial penalties, which can scope up to respective twelve 1000 zlotys.
Penalties for unauthorised transfer titles
Where the taxation office considers that the transfer title is inappropriate or incompatible with the rules, it may decide to review which frequently leads to advanced financial penalties. These penalties depend on the value of the transaction and the nature of the offence.
- Penalties for misreporting of income: If the transaction is considered an effort to hide income or undertaxe, the punishment may be extended to 75% the value of undeclared income.
- Irregularities in the transfer title: If the transfer title raises doubts, a mandate of PLN 500 to even PLN 5 000, depending on the scale of the offense.
What can we do to avoid problems with the IRS?
To avoid problems with taxation controls, it is worth following any basic principles:
- Accuracy in the transfer title: Always effort to make the transfer title unambiguous and consistent with the real intent of the payment. alternatively of general passwords specified as ‘charge’ or ‘loan’, enter accurate information specified as invoice number or service name.
- Avoid large transfers without justification: If you have no justification for large transfers, effort to avoid them. In the case of transactions over PLN 10 thousand, they request to be accurately justified.
- Donate: Any donations, especially those of advanced value, should be duly reported in the taxation return.
- Remember the documentation: Always keep evidence of transactions, specified as confirmations of transfers and invoices. This will make it easier for you to show the intent of the payment in case of a possible check.
New approach to financial control
The Ministry of Finance in 2025 focuses on greater transparency and control of financial transactions. With advanced monitoring systems and close cooperation with banks, taxation authorities are able to rapidly detect irregularities and suspicious payments. For this reason, it is so crucial that those conducting transactions are aware of the legal requirements and guarantee that their activities comply with the rules.
Read more:
Watch the transfer title. The bank will block the account if you usage that word
