{"id":344,"date":"2026-01-13T19:40:38","date_gmt":"2026-01-13T16:40:38","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=344"},"modified":"2026-01-19T18:23:30","modified_gmt":"2026-01-19T15:23:30","slug":"mozhno-li-kupit-kvartiru-v-polshe-za-nalichnye-v-2026-godu","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/mozhno-li-kupit-kvartiru-v-polshe-za-nalichnye-v-2026-godu\/","title":{"rendered":"Is it possible to buy an apartment in Poland with cash in 2026?"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Is it possible to pay for an apartment in Poland in cash?<\/h2>\n\n\n\n<p>Many buyers, especially foreigners, ask themselves: <strong>Is it possible to buy an apartment in Poland with cash?<\/strong> There&#039;s often conflicting information online\u2014some claim cash payments are prohibited due to anti-money laundering measures, while others say everything is possible without restrictions.<\/p>\n\n\n\n<p>Let&#039;s look at real practice <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">buying real estate in Poland<\/a> and AML requirements valid as of the beginning of 2026.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methods of payment for real estate in Poland<\/h2>\n\n\n\n<p>When buying an apartment in Poland, there are three main payment methods:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank transfer<\/strong> \u2014 the most common option, especially when <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a>.<\/li>\n\n\n\n<li><strong>Notarial deposit<\/strong> \u2014 the money is temporarily placed in the notary\u2019s deposit account until the completion of the transaction.<\/li>\n\n\n\n<li><strong>Payment in cash<\/strong> \u2014 transfer of cash upon signing of a notarial agreement.<\/li>\n<\/ul>\n\n\n\n<p>Cash payments used to be more popular. Today, bank transfers are more common, however <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">buying an apartment in Poland<\/a> cash is still possible<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it true that a notary will not conduct a transaction with cash?<\/h2>\n\n\n\n<p>There&#039;s a common misconception that a notary in Poland will refuse to process a transaction if the transaction is in cash. In practice, this isn&#039;t the case.<\/p>\n\n\n\n<p>If the seller and buyer agree to this form of payment, the notary can formalize the transaction. In actual transactions, cash payments can reach several hundred thousand zlotys.<\/p>\n\n\n\n<p>The key condition is compliance with the law and a willingness to explain the origin of the funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is AML and how is it checked?<\/h2>\n\n\n\n<p><strong>AML (Anti-Money Laundering)<\/strong> \u2014 is a system of measures aimed at combating money laundering and terrorist financing. In Poland, enhanced AML checks have been actively implemented since 2018\u20132019 and continue to be tightened.<\/p>\n\n\n\n<p>When purchasing real estate, a notary can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ask questions about the origin of funds;<\/li>\n\n\n\n<li>ask for logical confirmation of the source of the money;<\/li>\n\n\n\n<li>if necessary, submit information for further verification.<\/li>\n<\/ul>\n\n\n\n<p>It is important to understand that <strong>paying in cash is not in itself a violation<\/strong>. The check is launched only when doubts arise.<\/p>\n\n\n\n<p>If the money is of legal origin, the transaction is completed successfully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Buying an apartment in Poland for foreigners and cash payments<\/h2>\n\n\n\n<p>For foreign buyers, the issue of confirming the origin of funds is especially important. Funds may be received from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sales of real estate in another country;<\/li>\n\n\n\n<li>savings;<\/li>\n\n\n\n<li>business;<\/li>\n\n\n\n<li>dividends and other legal income.<\/li>\n<\/ul>\n\n\n\n<p>If you can explain and confirm the source of funds, <strong>you have the right to pay for the apartment in cash<\/strong>, with the consent of the seller.<\/p>\n\n\n\n<p>A combined scheme is also allowed: part of the amount in cash, part by bank transfer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>\u2714 Buying an apartment in Poland for cash is possible.<br>\u2714 A notary can conduct such a transaction subject to AML requirements.<br>\u2714 It is important to have a clear origin of funds.<br>\u2714 Payment terms are agreed individually with the seller.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u2139\ufe0f Information is current as of early 2026. Legislation is subject to change.<\/p>\n<\/blockquote>\n\n\n\n<p>If you are planning to purchase real estate in Poland and would like to receive individual advice, <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">please contact us<\/a>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041c\u043e\u0436\u043d\u043e \u043b\u0438 \u043e\u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438? \u041c\u043d\u043e\u0433\u0438\u0435 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0438, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u044b, \u0437\u0430\u0434\u0430\u044e\u0442\u0441\u044f \u0432\u043e\u043f\u0440\u043e\u0441\u043e\u043c: \u043c\u043e\u0436\u043d\u043e \u043b\u0438 \u043a\u0443\u043f\u0438\u0442\u044c \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u0437\u0430<\/p>","protected":false},"author":1,"featured_media":345,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/344","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=344"}],"version-history":[{"count":2,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/344\/revisions"}],"predecessor-version":[{"id":347,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/344\/revisions\/347"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/345"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}