Your bank account will be blocked. For what? Banks tighten the rules!

In 2025 banks in Poland tighten up policies on blocking bank accounts. Many customers don't even realize that their account can be frozen even without prior warning. Reasons? New legislation, increased fight against financial fraud and force from state institutions. What to do (or avoid) to not lose access to your money?

1. Suspected transfers – the hazard of blocking increases!

Banks are increasingly analyzing incoming and outgoing transfers. If Your Account receives large sums of money from suspicious sources or regularly transfer funds to countries with increased financial risk, you can anticipate immediate freezing of the account.

The most common situations that lead to blockage:

• Sudden transfer for a advanced amount, e.g. 50 000 PLN and moreif your operations were much smaller before.
• Revenues from companies registered in taxation havens.
• Frequent transfers between multiple accounts – banks then fishy money laundering.
• High value cash deposits without a documented origin of their origin.

2. Invalid logins – sign of fraud?

Did you know that several failed online banking login attempts Could it consequence in temporary blocking of the account? Banks monitor user movements, and suspicious activities specified as logging in from unknown devices or with different locations in short timemay lead to complete blockade.

The bank most frequently blocks access if:

• Log in from different countries in a short time.
• You are trying to access your account with VPN or proxy.
• You change your password besides frequently in the short term – banking systems may consider it an effort by a hacker to take over the account.

3. Payments and withdrawals – a limit you cannot exceed

Cash is getting little popular, but that doesn't mean you can't usage it. The problem starts erstwhile you deposit or pay large amounts of cash without justification.

Banks in Poland may report your operations to the General Financial Information Inspector (GIIF) if they detect different transactions. Accounts that:

• They pay cash over 15,000 euro (about 65,000 PLN) once.
• They regularly pay large amounts without a clear objective.
• They avoid bank transfers and only operate in cash – this raises suspicions of activity in the grey area.

4. False individual data – reason for immediate blocking

Banks have been applying for respective years KYC procedure (Know Your Customer), i.e. accurate verification of client identity. If your data in the banking strategy do not agree with authoritative recordsYou could lose access to the account.

Most common locking errors:

• Using a false check-in address or outdated data in the banking system.
• Using a corporate account for private operationsWhich may propose taxation avoidance.
• No paper update – e.g. expired ID.

5. Links to financial fraud

If your account is linked to criminal activity, even unconsciouslyThe bank can block your bill for an indefinite period. More and more people are victims of fraud where their accounts are utilized to store money from illegal sources.

Banks in peculiar closely monitor accounts related to:

• False investments (e.g. financial pyramids, cryptocurrency without regulation).
• Attempts to avoid taxes through abroad transactions.
• Transfers from unknown entities with suspicious names.

What if your account is blocked?

If the bank frost your account, act immediately:

1. Contact infoline - Ask for an explanation of the blockade.
2. Make a written explanation – if your transactions are legal, the bank should unlock funds quickly.
3. Prepare papers confirming the legality of the operation – e.g. contracts, invoices, taxation documents.
4. If the blockade is due to a bank error, submit a complaint.

Banks in Poland have expanding approval to block accountsand customers frequently find out about it only after the fact. Worth it. avoid risky transactions, guarantee data safety and regularly update your information in the bank.

Remember – even if you do nothing wrong, Your account may be blocked by automated systems to detect suspicious operations. In 2025 it is better to know precisely how not to become the mark of a bank blockade!