An urgent message for Poles! Fiscus knows about all transaction. You're at 75% taxation risk.

Did you buy a utilized car for cash? Did you fund the renovation from long-term savings? Or do you regularly sale things online? Fiscus has his eye on you and knows precisely how much you spend. fresh technologies made it virtually impossible to avoid control, and the National taxation Administration gained tools that she could only dream of before. It is no longer a question of whether, but of when, you will be verified if your expenditure is not consistent with the declared revenue.

STIR analyses real-time banking transactions, DAC7 follows online sales, and advanced artificial intelligence unmistakably compares your spending with authoritative income. Result? In 2024 the effectiveness of taxation controls was 99% – practically all audit initiated detects irregularities. This fresh era in taxation controls requires all Pole to have maximum care and financial arrangements to avoid draconian penalties.

DAC7 and Allegro/OLX: Your transactions under the eye of the KAS

From July 2024 all sales platforms operating in the European Union, including the popular Allegro and OLX in Poland, are required to study transactions to the National taxation Administration. This is simply a direct effect of the EU DAC7 directive, which is communicated by Forsal.pl, among others. This means that all sale made on these portals is automatically transferred to the IRS, giving it full insight into your online trading activity.

OLX statistic are alarming: “In the first months of 2025, private individuals posted more than 1.24 million announcementsin which the value of the items exceeded PLN 1000’. A PCC tax, i.e. a civil-law taxation of 2%. Unfortunately, most Poles do not know this. If you buy anything more costly than 1000 PLN – phone, bike, household appliances – from a private person, you as a buyer must pay this tax. Fiskus now has full access to data on these transactions through platform reports, which makes this work virtually impossible and threatens with severe consequences.

STIR: Company accounts blocked in 72 hours – and what does that mean for you?

The IT strategy of the Chamber of Clearance (STIR) is simply a real revolution in taxation controls, focusing on financial flows. As the inEwi.pl portal explains, STIR analyses traffic in real-time corporate bank accounts and can immediately detect even the smallest irregularities. Most importantly, the strategy can block the company account for 72 hours, and in case of serious suspicions of a taxation offence, for up to 3 months. It's an unprecedented power that allows the fiscal to act rapidly and paralyze the activities of the suspected entities.

Only last year, the Mazowiecka KAS, thanks to the usage of STIR, detected 38 companies suspected of extorting PLN 50 million. "The strategy checks real-time traffic in accounts and thanks to advanced algorithms is able to detect irregularities", explains the inEwi.pl mechanism. Although STIR mainly concerns companies, it indirectly affects everyone. It gives the IRS full insight into the cash flow in the economy, allowing you to identify the links and non-standard operations that may indicate concealing income or financing illegal activities. It is simply a signal that the times of free, undocumented cash flows are over.

Social media as evidence? Fiskus sees your lifestyle

Holiday in Maldives at the authoritative wage of PLN 3000 per month? A fresh BMW in the garage erstwhile you show a failure in your taxation return? Fiskus has long noted that social media specified as Instagram and Facebook is simply a real origin of information about the real financial situation of taxpayers. What you print online can be utilized as evidence in an undisclosed income proceeding.

Mr Tomasz from Warsaw found out about this on his own. He ran a tiny company for years, officially declaring small income. At the same time, he regularly published photos from costly restaurants and abroad trips. The taxation office, utilizing algorithms analyzing his social media profile, compared his lifestyle with declared incomes and initiated proceedings. Effect? Mr. Thomas had to pay 75% taxation on the amount he could not prove. This is not an isolated case – artificial intelligence is already able to catch specified discrepancies automatically, and anyone who boasts of luxury without cover in authoritative incomes should number with interest in the IRS.

A punishment of 75% tax: No more “savings under the pillow”

The worst news for those who cannot prove the origin of their money is draconian punishment. If the taxation office finds that your expenses are not covered in legally taxed income, It will take up to 75% of the disputed amount. This is not a theoretical threat – the ultimate Administrative Court (NSA) has already confirmed hundreds of specified decisions, which is simply a clear signal for all taxpayers.

Example from Warsaw: the matrimony bought the property for PLN 320 thousand, but failed to paper the origin of PLN 27 thousand. Sentence? They paid over 20 1000 PLN tax, precisely 75% of the undocumented amount. ‘It is the taxpayer's work to show that his expenditure is covered by taxed sources of income“ – the NSA ruled in the judgement cited by the portal Law.pl. Saving “under the pillow” without any papers confirming their legal origin is no longer an excuse that works. Any major transaction or expenditure must be supported by hard evidence.

How do you defend yourself from control? Key steps for everyone

If you think these changes don't apply to you due to the fact that you're a "normal" taxpayer, then you're wrong. fresh technologies apply to anyone who makes greater spending or sells online. To avoid fiscal problems in 2025, apply the following principles:

• Document everything: all major income – car sales, inheritance, compensation, payment from the company – must have a clear origin and be documented by contracts, bank statements or another authoritative documents.
• Use electronic banking: Bank statements are the best proof of legal origin of money. Avoid large cash transactions without documentation due to the fact that they are the first alarm signal for the KAS.
• Formalize household loans: If you borrow money from your household or friends, make a written agreement and study it to the taxation office on the PCC-3 form. Without this, the taxation will treat the debt as an undisclosed income.
• Archive Documents: Keep all the financial evidence for at least 5 years. Scan the papers and save them in the cloud as safety against loss.
• Be careful with social media: If you print photos of a luxurious lifestyle, make certain you have documentation confirming legal backing sources. Your online life is under observation.

A fresh era requires fresh thinking: Checks become precise

Paradoxically, the number of taxation checks in Poland is decreasing, but their effectiveness is expanding dramatically. In 2024, 9.3 1000 controls were initiated – 24% little than a year earlier. However, efficacy was stunning 99%, according to PIT.pl portal. That means that if you are curious in the tax, it will almost surely find irregularities.

"The carpentry has increasingly better tools to verify entrepreneurs, including STIR or JPK. They let for a much more precise selection of entities that could break taxation law" – explains Marcin Otręba, taxation advisor from the University of WSB Merito. The times erstwhile greater expenses could be translated “savings from home” without papers were definitely over. What's more, state budget deficit approaching PLN 300 billion creates additional force to intensify control. all gold hidden from taxation becomes a mark for increasingly sophisticated detection methods. It's not about scaring, it's about preparing. In this game, not the 1 with more money wins, but the 1 who can prove that he earned it legally.