Over the years there was a belief that any digital assets were beyond the scope of the legal system. Accounts in abroad fintechs specified as Revolut or cryptocurrency portfolios were considered safe havens for those who wanted to defend their funds from ventricular execution. However, 2025 brings a revolution that brutally verifies these myths. The fresh stringent rules entering into force give court bailiffs unprecedented tools to occupy digital property. This is the end of an era and a signal that the digital financial revolution is full incorporated into the framework of the conventional legal system. For thousands of debtors, but besides regular users of these platforms, this means knowing the fresh rules of the game. Ignorance can prove highly costly erstwhile the bailiff blocks not only funds in the Polish bank, but besides those collected in Bitcoin or in the popular Revolut account.
The end of the “untouchable” financial age. What precisely changed?
The key change that came into force in 2025 is the amendment of the provisions of the civilian Procedure Code and the Anti-Money Laundering and Financing Act (AML). By her power Fintech financial institutions, specified as Revolut, Wise and N26, have been compared in information obligations with conventional banks operating in Poland. This means that they must full cooperate with enforcement authorities and respond to bailiff queries in the same mode as PKO BP or mBank.
Equally reported is the change in cryptocurrency. The cryptocurrency exchanges and online exchange companies licensed to operate within the European Union have been required to full identify their customers (KYC) and study transactions. Most importantly, the bailiff has obtained the right to address to these entities authoritative inquiries about the state of ownership of the debtor and to issue provisions on the business of virtual currencies. This is simply a breakthrough that ends with the story of absolute anonymity and immunity of digital assets.
How will the bailiff take the account for Revolut? mechanics in practice
The process of taking funds in the Fintech account will now be much simpler and faster. So far, the bailiffs faced a legal and logistical barrier – Revolut formally operates under a Lithuanian license, which made execution difficult. fresh EU and national regulations remove these barriers. The mechanics will be as follows:
In search of the debtor's assets, Komornik will send an enquiry to the OGNIVO system, which will be extended to include the largest fintech institutions in Poland. After identifying that the debtor has an account in Revolut, the bailiff will send an electronic announcement of the attachment of the monetary debt. Revolut, as an entity bound by the fresh law, will gotta immediately block the funds in the debtor's account up to the amount of the amount enforced and transfer them to the bailiff's account. For the user this means that his Revolut account can be blocked as effectively as the account in the Polish bank.
Cryptocurrency execution – digital challenge for bailiffs
The cryptocurrency is simply a more complex process, but thanks to the fresh regulations it has become full feasible. Cooperation with cryptocurrency exchanges, which have become “banks” of the digital era, is crucial. The procedure will take respective steps:
- Identification: On the basis of information from the creditor or its own findings, the bailiff directs an enquiry to the largest stock exchanges (e.g. Binance, Zonda, Coinbase) about whether the debtor has an account with them and what assets it has accumulated on them.
- Property law: After confirmation of cryptocurrency, the bailiff takes possession of the property rights of virtual currencies. The exchange receives an order to block the debtor from paying or transferring funds.
- Liquidation: The debtor is called upon to repay the debt voluntarily. If he doesn't, the bailiff can commission the stock exchange to sale cryptocurrency at the current marketplace rate.
- Transfer of appropriations: The funds obtained from the sale in conventional currency (PLN, EUR, USD) are then transferred to the bailiff's account to satisfy the creditor.
However, it should be borne in head that this execution concerns mainly the stock exchange funds. The cryptolutes held on private, decentralised wallets (so-called cold wallets) to which only the owner has the keys stay highly hard to track and occupy..
Who will be affected by the fresh regulations, and how will they be protected?
The fresh regulations will affect a wide scope of people – not only those with serious debts. All it takes is an unpaid ticket, a default in the Social safety Office or an unpaid invoice so that the bailiff can knock on our digital assets. It is crucial to realize that Revolut and cryptic exchanges have ceased to be a "grey zone". They are now a full part of the financial system, with all the consequences.
It is worth remembering that in the case of the seizure of the account in Revolut, as in the Polish bank, the amount free of seizure will apply, which in 2025 is equivalent to 75% of the minimum wage for work. In the case of cryptocurrency, the situation is more complicated as they are treated as property rights alternatively than funds on the account, which may exclude them from the protection of the free amount. The best security, therefore, is transparency and care for your finances in order to prevent the creation of debt that could trigger the execution device entering our digital world.
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No more anonymity in code. The bailiff will take over your Bitcoin and your Revolut account!
