The Ministry of Finance denies the information that recently appeared on the Internet. It was about alleged plans to introduce regulations that would require banks to provide tax offices with data on citizens’ card payments.
The Ministry of Finance denies fake news
The Ministry of Finance denies the fake news that terrified many Poles. Information appeared in the media that from January 1, 2026, tax offices will receive reports from banks on card transactions exceeding a certain limit.
With reference to information appearing in the public space suggesting that from 2026 tax offices will receive data from banks regarding card payments exceeding the established threshold, the Ministry of Finance informs that it is not preparing or conducting legislative work on such a solution
– the ministry said.
It was added that “both national and international (regulations) do not result in any regulations that would result in changes in the above-mentioned area.”
True, but only partial
But can we actually feel safe? Media reports indicated that banks would provide tax offices with detailed information on card payments. Transactions made by entrepreneurs would be reported regardless of the type of card. Consumer payments would be recorded in the National Revenue Administration. This would apply to people who exceed the annual limit of PLN 25,000. euro.
The reports were to include, among others: cardholder’s name, card number, associated accounts, total charges and details of individual payments. Tax offices would compare taxpayers’ expenses with declared income. If there were any discrepancies, officials would step in.
For now, we are not in any danger of that. At least now, as such regulations are being implemented in some European Union countries. For example, in Spain, from 2026, banks will be obliged to report card payments made by natural persons after exceeding the above-mentioned limit, i.e. PLN 25,000. euro per year. The law does not provide for a minimum threshold for transactions carried out by entrepreneurs.
It is worth adding that in special cases, the tax office in Poland may take a closer look at a given citizen, all within the so-called clarifying activities. The services may also request the bank to provide data on the account balance, history of operations, concluded loan agreements or information on securities held.
