Tax Office intensifys checks on bank transfers of Poles

In fresh years Tax Office importantly increased supervision of citizens' banking transactions. The aim of these actions is to address money laundering, financing terrorism and tax avoidance. In 2025 these checks became even more stringent, which raises interest and concern among many Poles.

New powers and obligations of banks

Since 2022 National gross Administration (KAS) has extended powers to monitor the finances of individuals without having to inform them. Banks are required to study suspicious transactions to the applicable authorities, including General Financial Information Inspector (GIIF). peculiar attention shall be paid to transfers exceeding EUR 15 000 (approximately PLN 65,000) which must be automatically reported.

Suspicious transactions

It is not only advanced amounts that attract the attention of the taxation office. There are a number of another situations that may rise suspicions:

• Regular transfers of akin amounts from different broadcasters: If cyclical deposits with akin amounts from different people appear in the account, this may propose undocumented business activity.
• Untypical Transfer Titles: Transaction descriptions containing unclear or suspicious information may draw the attention of the bank and the IRS.
• Cash payments for crucial amounts: Frequent cash transfers may propose hiding income from illegal sources.
• International transfers: Regular abroad transactions, especially to countries with low financial transparency, may rise suspicions of taxation avoidance or money laundering.

Control procedures and consequences

If a suspicious transaction is detected, the bank is required to study it to the GIIF, which then analyses the information collected. If the suspicions are confirmed, the case goes to the KAS, which may initiate an investigation. The consequences for the payer may include:

• Request for clarification: The payer may be asked to paper the origin of the measures.
• Tax control: In the absence of satisfactory explanations, the KAS may carry out detailed financial checks.
• Financial penalties: The detection of irregularities may consequence in financial penalties and, in utmost cases, criminal liability.

How to avoid problems with the IRS?

In order to minimize the hazard of interest from taxation authorities, it is worth following respective rules:

• Financial transparency: paper all sources of income and guarantee their legality.
• Avoid suspicious transactions: quit financial operations that may rise doubts about their legality.
• Carefulness in transfer titles: precisely describe the intent of the transaction, avoiding unclear wording.
• Consultation of the taxation adviser: In case of doubt, it is worth consulting a professional who will aid with appropriate financial management.

Increased checks on bank transfers by the IRS are aimed at ensuring financial integrity and preventing illegal practices. Awareness of the rules in force and care for transparency of its own finances are key elements that will aid to avoid the unpleasantness of possible controls.