NextSpring

A Free Basic Account by Statute, Refusable If You Have No Polish Address, and a PESEL Number the Bank Will Ask For

Answer

The general rule applies to you

No exception is recorded for citizens of Colombia on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.

127 exceptions recorded across 48 countries · none match Colombia to Poland · Opening a bank account

Poland gives a consumer a statutory right to a basic payment account. Every bank and credit institution offering consumer accounts must provide one, it is free for domestic transactions, and charges may only start after five outgoing domestic transfers in a month or five withdrawals a month at another provider's machines. The provider has ten working days from a complete application to conclude the contract or refuse. Two of the discretionary refusal grounds matter to someone who has just arrived: the consumer is not lawfully present in a member state, or has given no address in Poland. Separately, the money-laundering Act of 1 March 2018 tells the bank what it must establish about a customer, and the first thing on the list after name and nationality is the PESEL number or, where none has been issued, the date and country of birth. If the bank cannot apply one of its financial security measures it must not open the relationship and must terminate an existing one.

Verified with official sourceMonitor - can change2026-10-10

At a glance

Basic payment account
Every provider offering consumer accounts must provide one

Article 59ia(1) of the Ustawa o usługach płatniczych, which excludes only the national credit union body.

Cost
Free for domestic transactions

Article 59ie(1).

When charges may start
After 5 outgoing domestic transfers in a month

Article 59ie(2), which also caps the charge at what the provider most often charged over the previous 12 months.

Cash withdrawals elsewhere
Free for the first 5 a month at machines that are not the provider's

Article 59ie(3).

Decision time
10 working days from a complete application

Article 59ic(3), after which the provider either concludes the contract or says it refuses.

Refusable if you have no Polish address
Yes, as a discretionary ground

Article 59ic(7)(7), alongside article 59ic(7)(6) on lawful presence in a member state.

What the bank must establish about you
Name, nationality, PESEL or date and country of birth, and the series and number of your identity document

Article 36(1)(1) of the Ustawa o przeciwdziałaniu praniu pieniędzy oraz finansowaniu terroryzmu.

If a security measure cannot be applied
No relationship is entered into, and an existing one is terminated

Article 41(1) of the same Act, which lists four consequences and makes them mandatory.

Tying the account to other products
Prohibited, as is requiring a declared level of incoming funds

Article 59ic(2).

Requirements

  • Being a consumer with no other Polish payment account allowing the same transactions
  • A valid identity document
  • An address of residence or correspondence in Poland
  • Lawful presence in a member state
  • Identification to the standard of article 36 of the money-laundering Act, including a PESEL number where one has been issued

What applies to you

Nothing changes for a citizen of Colombia

We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.

What the law says

Text layer - verbatim verifiedUstawa z dnia 19 sierpnia 2011 r. o usługach płatniczych, consolidated text · Article 59ia(1) · consolidated to 2026-10-08
«Dostawcy, o których mowa w art. 4 ust. 2 pkt 1–3 i 9, z wyłączeniem Krajowej Spółdzielczej Kasy Oszczędnościowo-Kredytowej, oferujący usługi związane z prowadzeniem rachunków płatniczych dla konsumentów, są obowiązani do świadczenia usługi prowadzenia podstawowego rachunku płatniczego.»

The duty, and it falls on the provider rather than creating a right the consumer has to argue for.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 19 sierpnia 2011 r. o usługach płatniczych, consolidated text · Article 59ie(1) · consolidated to 2026-10-08
«prowadzi podstawowy rachunek płatniczy w zakresie krajowych transakcji płatniczych nieodpłatnie.»

Free, for domestic transactions. The Polish answer is an exemption rather than a capped fee.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 19 sierpnia 2011 r. o usługach płatniczych, consolidated text · Article 59ie(2) · consolidated to 2026-10-08
«może pobierać opłaty za wykonanie krajowych transakcji płatniczych, o których mowa w art. 3 ust. 1 pkt 2 lit. c, po wykonaniu w ciągu miesiąca 5 takich transakcji płatniczych zlecanych przez konsumenta.»

Where the free allowance ends. Five a month, counted per month rather than per year.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 19 sierpnia 2011 r. o usługach płatniczych, consolidated text · Article 59ic(3) · consolidated to 2026-10-08
«niezwłocznie, niepóźniej jednak niż w terminie 10 dni roboczych od dnia otrzymania kompletnego wniosku o zawarcie umowy podstawowego rachunku płatniczego, zawiera z konsumentem taką umowę albo informuje o odmowie jej zawarcia.»

A deadline with a refusal built into it, so silence is not an option open to the bank.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 19 sierpnia 2011 r. o usługach płatniczych, consolidated text · Article 59ic(7)(6) and (7) · consolidated to 2026-10-08
«konsument nie przebywa legalnie na terytorium państwa członkowskiego; 7) konsument nie podał adresu zamieszkania lub innego adresu korespondencyjnego na terytorium Rzeczypospolitej Polskiej.»

Two of the discretionary refusal grounds, and both of them are about where you are rather than about what you have done.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 1 marca 2018 r. o przeciwdziałaniu praniu pieniędzy oraz finansowaniu terroryzmu, consolidated text · Article 36(1) · consolidated to 2026-10-08
«Identyfikacja klienta polega na ustaleniu w przypadku: 1) osoby fizycznej: a) imienia i nazwiska, b) obywatelstwa, c) numeru Powszechnego Elektronicznego Systemu Ewidencji Ludności (PESEL) lub daty urodzenia – w przypadku gdy nie nadano numeru PESEL, oraz państwa urodzenia, d) serii i numeru dokumentu stwierdzającego tożsamość osoby, e) adresu zamieszkania – w przypadku posiadania tej informacji przez instytucję obowiązaną,»

The identification list. The PESEL is first-choice and the Act provides the fallback itself, which is why a bank asking for one is not inventing a requirement.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Text layer - verbatim verifiedUstawa z dnia 1 marca 2018 r. o przeciwdziałaniu praniu pieniędzy oraz finansowaniu terroryzmu, consolidated text · Article 41(1) · consolidated to 2026-10-08
«W przypadku gdy instytucja obowiązana nie może zastosować jednego ze środków bezpieczeństwa finansowego, o których mowa w art. 34 ust. 1: 1) nie nawiązuje stosunków gospodarczych; 2) nie przeprowadza transakcji okazjonalnej; 3) nie przeprowadza transakcji za pośrednictwem rachunku bankowego; 4) rozwiązuje stosunki gospodarcze.»

The consequence of a failed check, and it reaches an account already open as well as one being opened.

Read it at the source
About this source

The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

Standing: Maintains the text in force

Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

We re-read it every 60 days. More about this source

Practical notes

The basic account is for a consumer who has no other Polish account allowing the same transactions. Article 59ic(7)(1) lets a provider refuse one to a consumer who already has such an account with any provider in Poland.

A PESEL number is not an immigration status. It is a population register number, and whether a particular route to residence produces one was not read here.

What a commercial bank asks for beyond the statute is a fact about that bank. Nothing on this record rests on any bank's terms.

Sources2 · all accessed 2026-10-10
  • consolidates
    Ustawa o usługach płatniczych, Chancellery of the Sejm consolidated text

    Internetowy System Aktów Prawnych / ELI service, Kancelaria Sejmu · consolidated to 2026-10-08

    About this source

    The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

    Standing: Maintains the text in force

    Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

    We re-read it every 60 days. More about this source

  • consolidates
    Ustawa o przeciwdziałaniu praniu pieniędzy oraz finansowaniu terroryzmu, Chancellery of the Sejm consolidated text

    Internetowy System Aktów Prawnych / ELI service, Kancelaria Sejmu · consolidated to 2026-10-08

    About this source

    The Chancellery of the Sejm's statute collection. The same corpus is served at three addresses and they do not behave alike. isap.sejm.gov.pl is the public web front end; dziennikustaw.gov.pl, run by the Rządowe Centrum Legislacji, serves the Dziennik Ustaw as published; and api.sejm.gov.pl/eli is a machine interface over the same material, giving each act an ELI of the form DU/YYYY/N with its status, its entry into force, its repeal date, the acts that amended it, the consolidated texts announced for it, and the amendments made after each of those. Every act is served in up to four editions: O, the text as published in the Dziennik; T, the announced consolidated text; and U, the Chancellery's own tekst ujednolicony, which carries every amendment and prints on every page the date it was generated and, at its head, the list of Dziennik positions it was built from. The U edition also marks pending amendments in the body: words still in force are in square brackets and the wording that will replace them is in angle brackets, with a marginal note naming the amending Act and its commencement.

    Standing: Maintains the text in force

    Cannot be cited for: **isap.sejm.gov.pl cannot be read by this project at all, and it fails without saying so.** A request for a document page answers HTTP 200 with an Imperva interstitial headed "Pardon Our Interruption"; a request for a PDF answers HTTP 200 with `Content-Type: application/pdf` and an Incapsula JavaScript challenge in the body, so a naive client stores an HTML page under a .pdf name and a PDF tool reports the file as corrupt rather than as blocked. The same documents come back intact from api.sejm.gov.pl, which is why every citation here uses that address. The tekst ujednolicony is the Chancellery's own consolidation and is not an official text; the Dziennik Ustaw as published governs. Its angle-bracket marking cannot be relied on to say what is in force today: the consolidation of the Ustawa o kierujących pojazdami generated on 1 October 2026 still marks a change to article 11(1)(5) as taking effect on 3 September 2026. It may not be cited for the amounts in instruments that delegate them - the Ustawa o pomocy społecznej prints 461 and 316 złoty with a footnote saying the current figures are announced by the minister - nor for anything the Chancellery does not publish: the district lists of occupations closed to work permits are kept in a register under article 31(6) of the 2025 employment Act and are not here, and ministerial announcements under article 9(7) of the social assistance Act are published in Monitor Polski.

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