{"id":428,"date":"2026-02-11T10:58:35","date_gmt":"2026-02-11T07:58:35","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=428"},"modified":"2026-02-11T10:58:37","modified_gmt":"2026-02-11T07:58:37","slug":"legalizacziya-sredstv-iz-za-graniczy-v-polshe-chto-nuzhno-znat-pri-pokupke-nedvizhimosti","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/legalizacziya-sredstv-iz-za-graniczy-v-polshe-chto-nuzhno-znat-pri-pokupke-nedvizhimosti\/","title":{"rendered":"Legalization of funds from abroad in Poland: What you need to know when buying real estate"},"content":{"rendered":"<p>Let&#039;s start with an important point.<br>Word <strong>\u00ab&quot;money laundering&quot;\u00bb<\/strong> In most cases, it doesn&#039;t sound entirely correct and even scary. In my experience working with clients from the CIS countries, approximately <strong>90% cases are already completely legal money<\/strong>.<\/p>\n\n\n\n<p>These are the means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>earned at work<\/li>\n\n\n\n<li>received from business<\/li>\n\n\n\n<li>accumulated over the years<\/li>\n\n\n\n<li>received from the sale of real estate or a car<\/li>\n\n\n\n<li>received as a gift<\/li>\n<\/ul>\n\n\n\n<p>Therefore, more often than not, it is not about legalization, but about <strong>confirmation of the origin of funds<\/strong>.<\/p>\n\n\n\n<p>Simply put, you must be able to explain and document, <strong>Where do you get the money?<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What documents confirm the origin of funds?<\/h2>\n\n\n\n<p>In simple terms:<br>If you have documents, there will be no problems.<\/p>\n\n\n\n<p>These could be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tax returns<\/li>\n\n\n\n<li>bank statements<\/li>\n\n\n\n<li>real estate or car sales contracts<\/li>\n\n\n\n<li>deeds of gift<\/li>\n\n\n\n<li>income certificates<\/li>\n\n\n\n<li>dividends from business<\/li>\n\n\n\n<li>any official documents confirming savings<\/li>\n<\/ul>\n\n\n\n<p>If the money was obtained illegally, that&#039;s a completely different story.<br>This article is not intended for such cases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should you be afraid of Polish banks and tax authorities?<\/h2>\n\n\n\n<p>Many clients think:<br><strong>How to transfer money to Poland without problems and unnecessary questions?<\/strong><\/p>\n\n\n\n<p>I&#039;ll answer honestly and simply:<br>All money for which you have supporting documents can be safely shown and used in Poland.<\/p>\n\n\n\n<p>Polish banks operate in accordance with European AML (anti-money laundering) regulations.<br>So sometimes they may ask:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>documents on the origin of funds<\/li>\n\n\n\n<li>translation of documents into Polish<\/li>\n\n\n\n<li>short explanation of the source<\/li>\n<\/ul>\n\n\n\n<p>Typically a bank employee:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>scans documents<\/li>\n\n\n\n<li>returns the originals<\/li>\n\n\n\n<li>records information in the system<\/li>\n<\/ol>\n\n\n\n<p>And that&#039;s where it all ends.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Depositing cash into a Polish bank<\/h2>\n\n\n\n<p>Polish banks have certain limits on cash deposits.<br>But this is not a ban, but a standard banking procedure.<\/p>\n\n\n\n<p>If you have documents on the origin of funds (preferably translated into Polish):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you can easily deposit money into your account<\/li>\n\n\n\n<li>the bank will accept the funds<\/li>\n\n\n\n<li>there won&#039;t be any problems<\/li>\n<\/ul>\n\n\n\n<p>These procedures are related exclusively to the fight against money laundering and terrorist financing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cash payments for real estate<\/h2>\n\n\n\n<p>Earlier <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/mozhno-li-kupit-kvartiru-v-polshe-za-nalichnye-v-2026-godu\/\" data-type=\"post\" data-id=\"344\">cash payments<\/a> at <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">purchase of apartments<\/a> were used more often.<br>Nowadays, almost all transactions in Poland are carried out via bank transfers.<\/p>\n\n\n\n<p>This:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>safer<\/li>\n\n\n\n<li>more transparent<\/li>\n\n\n\n<li>more convenient for the notary<\/li>\n\n\n\n<li>clearer for the bank<\/li>\n<\/ul>\n\n\n\n<p>At the same time, the law <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/mozhno-li-kupit-kvartiru-v-polshe-za-nalichnye-v-2026-godu\/\" data-type=\"post\" data-id=\"344\">cash payments<\/a> <strong>not prohibited<\/strong>, but are used less and less.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methods of transferring funds to Poland<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Bank transfer of foreign currency is the safest method<\/h3>\n\n\n\n<p>The simplest and most reliable method.<\/p>\n\n\n\n<p>How to do it:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open a foreign currency account in a Polish bank (euro or dollar).<\/li>\n\n\n\n<li>You make a transfer from your bank in your home country.<\/li>\n\n\n\n<li>Money usually arrives within 1-3 days.<\/li>\n<\/ol>\n\n\n\n<p>Pros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>safely<\/li>\n\n\n\n<li>transparent history of money<\/li>\n\n\n\n<li>easy to confirm origin<\/li>\n\n\n\n<li>the entire amount is received immediately<\/li>\n<\/ul>\n\n\n\n<p>Cons:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>bank commission (sometimes several percent)<\/li>\n\n\n\n<li>depends on the country and bank<\/li>\n<\/ul>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There are currently certain restrictions on capital outflow from Ukraine<\/li>\n\n\n\n<li>The terms and conditions must be clarified with the bank<\/li>\n\n\n\n<li>There are no strict restrictions from Belarus at the time of writing<\/li>\n\n\n\n<li>each situation is individual<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Transporting small amounts of cash<\/h3>\n\n\n\n<p>It is possible to transport money across the border in parts \u2013 amounts that do not require mandatory declaration.<\/p>\n\n\n\n<p>This is a legal method provided:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>do you have documents on the origin of the funds<\/li>\n\n\n\n<li>Can you explain the source of the money?<\/li>\n<\/ul>\n\n\n\n<p>By transporting money several times, you can collect the required amount in Poland.<br>But without documents it will be difficult to use such funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transporting a large sum of cash<\/h3>\n\n\n\n<p>If you are transporting a large amount at one time:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>it must be declared at the border<\/li>\n\n\n\n<li>have documents on the origin of funds<\/li>\n\n\n\n<li>calmly explain the source<\/li>\n<\/ul>\n\n\n\n<p>If the money is \u00abwhite\u00bb, there are no problems.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you are already in Poland with cash without documents<\/h2>\n\n\n\n<p>This is a more complex situation.<br>Each case is individual, and there is no universal solution.<\/p>\n\n\n\n<p>Much depends on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>amounts<\/li>\n\n\n\n<li>residence status<\/li>\n\n\n\n<li>citizenship<\/li>\n\n\n\n<li>real estate purchase plans<\/li>\n<\/ul>\n\n\n\n<p>In such cases it is better <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">get a consultation<\/a>, so as not to make mistakes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Important<\/h2>\n\n\n\n<p>All information in the article is current. <strong>to date<\/strong> and may change.<br>Banking regulations, international transfers and legal requirements are updated periodically.<\/p>\n\n\n\n<p>Before transferring a large amount of money, it is always worth:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>check the terms with the bank<\/li>\n\n\n\n<li>check restrictions<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">consult a specialist<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>The main rule is simple:<\/p>\n\n\n\n<p><strong>If you have documents confirming the origin of the funds, there will be no problems in Poland.<\/strong><\/p>\n\n\n\n<p>You can easily:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>transfer money<\/li>\n\n\n\n<li>deposit them into the bank<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">buy real estate<\/a><\/li>\n\n\n\n<li>use your own funds<\/li>\n<\/ul>\n\n\n\n<p>Poland is a transparent country with clear rules.<br>If the money was earned honestly and this can be documented, no difficulties usually arise.<\/p>\n\n\n\n<p>If you have any questions about transferring funds or purchasing real estate in Poland, you can <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">contact me,<\/a> I will try to help and suggest the best solution.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041d\u0430\u0447\u043d\u0451\u043c \u0441 \u0432\u0430\u0436\u043d\u043e\u0433\u043e \u043c\u043e\u043c\u0435\u043d\u0442\u0430.\u0421\u043b\u043e\u0432\u043e \u00ab\u043b\u0435\u0433\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u00bb \u0432 \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u0435 \u0441\u043b\u0443\u0447\u0430\u0435\u0432 \u0437\u0432\u0443\u0447\u0438\u0442 \u043d\u0435 \u0441\u043e\u0432\u0441\u0435\u043c \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u043d\u043e \u0438 \u0434\u0430\u0436\u0435 \u043f\u0443\u0433\u0430\u044e\u0449\u0435. \u0412 \u043c\u043e\u0435\u0439 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435 \u0440\u0430\u0431\u043e\u0442\u044b<\/p>","protected":false},"author":1,"featured_media":429,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-428","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\/428","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=428"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/428\/revisions"}],"predecessor-version":[{"id":430,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/428\/revisions\/430"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/429"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}