The subject of restrictions on the retention of cash in homes is returning to public debate at times, causing many controversy and questions for citizens. regular June 3, 2025 there are no regulations in force in Poland that straight prohibit or limit the possession of cash at home. At the same time, however, restrictions on cash withdrawals from bank accounts, which in practice may affect the availability of larger amounts of resources.
This article presents the applicable legal statuscurrent payout limits in the largest Polish banks and we are looking at where concerns arise about the possible regulation of cash held outside the banking system.
No regulations on the holding of cash at home
Right now. no government in Poland prohibits the retention of cash at home, whatever the amount. A citizen may have his or her own money at his or her discretion, including by paying out the funds from the account and storing them outside the financial institution.
In the public space, there were proposals for restrictions on cash turnover, however, they afraid mainly commercial transactions (e.g. in B2B or B2C relations) alternatively than individual retention of funds. According to the current legal state:
- There is no statutory limit on the holding of cash at home by a natural person.
- No work to declare the cash held, unless it occurs in the context of tax, customs or criminal control.
- Limits apply cash payments in corporate transactions (more than PLN 8,000 net must be made by transfer – the condition for 2025).
Cash withdrawal limits in banks – data for 3 June 2025
Although there is no formal ban on keeping cash at home, the availability of physical resources in banks may be a real restriction. We have collected current cash withdrawal limits from individual accounts in the largest financial institutions in Poland (as of June 3, 2025):
Daily payout limits at ATMs and branches:
| PKO BP | PLN 10,000 | PLN 20,000 | Over PLN 20,000 – min. 1 day earlier |
| Santander Bank | PLN 5 000 | PLN 10,000 | Over PLN 10,000 – 1 working day |
| mBank | PLN 5 000 (individual) | No cash in the branches | Cash handling only at selected points |
| ING Bank of Silesia | PLN 5 000–7,000 | Up to PLN 20,000 | Over 20 000 PLN – announcement by banking |
| Bank Pekao SA | up to PLN 10,000 | up to PLN 15,000 | Required announcement for higher amounts |
| Alior Bank | PLN 4,000 | up to PLN 10,000 | Over 10,000 PLN – 24 hours earlier |
| Credit Agricole | PLN 3 000-5 000 | individually determined | Recommended announcement of any larger payout |
Note: These limits may vary according to the kind of account, individual arrangements and branch infrastructure. Banks reserve the right to refuse to immediately pay large amounts, resulting from logistics and safety requirements.
Why is the subject of cash limits worrying?
Interest cash withdrawals and housekeeping Following the statements of any EU politicians and officials who suggested possible anti-money laundering future cash cuts. Concerns besides reinforce:
- Cash regulation policy for digital payments.
- Increased transaction control under the EU AML Directives.
- Growing public interest in financial independence, besides in the face of geopolitical events (e.g. war in Ukraine, banking crises).
Still, for the moment, no government in Poland restricts the holding of cash at homeand debates on possible changes stay only ideas or preliminary analyses.
Expert opinions: what can change?
Financial marketplace analysts indicate that although full elimination of cash in Poland in the coming years is unlikely, it should be counted with:
- Further limitation of cash turnover in companies and administrations.
- Introduction register of cash transactions above a specified thresholdFor example , EUR 10,000.
- Gradually expanding the transparency of sources of cash, in peculiar in the context of the fight against the grey zone.
According to experts, The biggest threat to citizens' freedoms is not the formal ban on cash holding, but the gradual regulation of access by banking procedures and method limits.
Daily June 3, 2025:
- There are no rules limiting the retention of cash at home.
- Banks have individual payout limits, frequently requiring prior notification of a larger transaction.
- Debates on cash limits are ongoingbut they don't translate into circumstantial laws yet.
For those who want to store more resources in physical form, it is essential to plan payments in advance and to know the bank’s interior procedures.
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