A new legislative proposal submitted to the Sejm aims to increase the cash payment limit for businesses from 15,000 PLN to 25,000 PLN to reflect current economic realities.
Higher Thresholds for Businesses
The most significant change involves settlements between entrepreneurs. The current B2B cash payment limit of 15,000 PLN, in place since 2018, is being reviewed to better reflect the real value of money following years of inflation.
A new proposal submitted to the Sejm aims to raise this limit to 25,000 PLN to simplify daily business operations. Notably, the limit applies to the total value of a transaction, meaning splitting a single operation into multiple parts is not permitted to bypass the rule.
Private Individuals and Financial Oversight
While the changes do not directly affect individuals, there is no statutory limit on cash payments in private transactions in Poland, provided both parties agree. However, the financial system maintains strict monitoring mechanisms.
Transactions exceeding the equivalent of 15,000 EUR must be reported, and banks may require documentation regarding the source of funds or the purpose of the operation to verify large cash flows.
The 2027 EU Regulatory Framework
New EU regulations set to take effect in 2027 will introduce a uniform cash transaction limit of 10,000 EUR across all member states. While countries can implement more restrictive limits, they cannot exceed this standard.
Currently, limits vary significantly across Europe, with France at 1,000 EUR and Greece at 500 EUR. Even with the proposed increase for businesses, Poland will operate within these harmonized EU standards.
Economic Trends and Continued Monitoring
The tightening of cash regulations aims to reduce the shadow economy, money laundering, and illegal financial flows while allowing small-scale cash commerce to continue. For companies, the 25,000 PLN limit offers greater flexibility for medium-sized transactions.
Despite these modifications, the state’s policy of monitoring large financial flows remains unchanged. Cash is not disappearing, but it is being moved into more strictly defined and regulated frameworks at both national and European levels.
