How much crypto can you exchange in Poland without ID (KYC)?

Under Polish law, you can exchange crypto without an ID check for less than EUR 1000, as long as it is a one-off exchange and not a transaction through an account. This is not a guarantee: if the office suspects money laundering or doubts your details, it must check you at any amount. Since 1 July 2026, only companies with a MiCA authorisation may provide crypto exchange services in Poland; check their ID thresholds in their terms of service. At the NBP rate for 28 September 2026, EUR 1000 is 4376.90 zł. From 10 July 2027, exchanging crypto without an identity check will not be possible for any amount: under EU rules, a crypto service will have to identify and verify the customer even for transactions below EUR 1000.

What KYC is and why an exchange office asks for ID

KYC (know your customer) is an identity check: the exchange office looks at your ID and records your details. It is required by the Polish anti-money laundering act. The act covers firms that exchange crypto for money or for other crypto, act as intermediaries in such exchanges, or keep crypto accounts.

If the office cannot check the customer, it does not carry out the one-off transaction. So refusing to show ID for an amount of EUR 1000 or more means the exchange will not go ahead.

How much you can exchange without ID

Under Polish law, the threshold is EUR 1000 per one-off crypto transaction. From EUR 1000 upwards, the exchange office must verify the customer. Amounts in euro are converted into złoty at the NBP average rate on the day of the transaction. On 28 September 2026, the rate was 4.3769 zł per euro, so the threshold was 4376.90 zł. The rate is updated every working day, so the threshold in złoty changes too.

A one-off transaction is an exchange outside an ongoing relationship with the exchange office. A typical example is walking into an office, exchanging your crypto and leaving without opening an account.

Check the office's rules in advance: you may be asked for ID for a smaller amount too, for example if the office suspects money laundering or has doubts about your details. If an exchange office offers an exchange without ID for any amount, that is at odds with Polish law, which requires a check from EUR 1000.

When you will be asked for ID regardless of the amount

Registration and accounts. The law requires a check when a company enters into an ongoing relationship with a customer. An account on an exchange or with an online service is precisely that kind of relationship, so the check applies from the first złoty and the EUR 1000 threshold does not.

Suspected money laundering. If a transaction leads the exchange office to suspect money laundering, a check is mandatory regardless of the amount.

Doubts about your details. If the exchange office doubts that the details received from you are true or complete, it will also carry out a check regardless of the amount.

If you are already a customer of a service, it must look into where your money comes from when the circumstances justify it.

What details the exchange office records

When checking an individual, the exchange office records:

• your first name and surname;
• your citizenship;
• your PESEL number, or, if you do not have one, your date and country of birth;
• the series and number of your identity document;
• your residential address, if known to the exchange office.

Bring an identity document, and if you have a PESEL number, have it to hand.

Sending more than EUR 1000 to your own wallet

Since 30 December 2024, the EU regulation on transfers of crypto-assets, known as the TFR, has applied. It covers crypto transfers that involve an EU crypto service, including transfers to and from a self-hosted wallet. A self-hosted wallet is one where you, not an exchange, hold the keys.

If a service, acting on your instructions, sends more than EUR 1000 to a self-hosted wallet or receives that amount from it, it must take adequate measures to assess whether the wallet belongs to you or is under your control. Each service decides how it checks this, so ask in advance what you will need.

What changes on 10 July 2027

From 10 July 2027, the EU anti-money laundering regulation (AMLR) applies directly in every EU country. For crypto services, it changes the rules as follows:

• for a one-off transaction of EUR 1000 or more, a full customer check;
• for a transaction below EUR 1000, at least identifying the customer and verifying their identity;
• linked transactions are added up, so an amount split into parts counts as one transaction;
• crypto services are banned from keeping anonymous crypto accounts and accounts that hide the holder or obscure transactions, including through anonymity-enhancing coins;
• if money laundering is suspected, the check applies regardless of the amount, as it does now.

This means that from 10 July 2027, you will not be able to exchange crypto through a crypto service without an identity check, whatever the amount.

Where to exchange crypto now

Since 1 July 2026, only firms with a valid MiCA authorisation may provide crypto services in Poland. MiCA is the EU regulation on markets in crypto-assets. Polish firms cannot yet get this authorisation in Poland. Check the ID thresholds of a company with a MiCA authorisation in its terms of service. What MiCA is and why there are no Polish authorisations yet is explained in our article What is MiCA.

Some offline networks that still appear in search results have stopped exchanging crypto. FlyingAtom and To The Moon have suspended it, the Kanga exchange offices and the Wymienbitcoina.pl network have ended it, and the Quark offices are temporarily closed and plan to reopen on 1 October 2026, although the date may change. The directory shows which offices have suspended crypto exchange and the date the data was last checked. It does not check whether an office has a MiCA authorisation:

• Crypto exchange offices in Warsaw
• Crypto exchange offices in Kraków
• The full directory of exchange offices

The Katowice Tax Chamber, which keeps the Polish register of crypto exchange businesses, states that companies without a MiCA authorisation should be treated as high-risk. Before you exchange, look up the company behind the office in the ESMA list, the public list of companies with a MiCA authorisation. The list is a set of CSV files that ESMA updates once a week. In the "Crypto-asset service providers" file, check the company's row: Poland (PL) should be among the countries where it intends to provide services, and the withdrawal date should be blank. If the office does not name its company or the company is not on the list, you cannot confirm that it has a MiCA authorisation. The Tax Chamber states that companies without a MiCA authorisation should be treated as high-risk. Bear in mind that ESMA updates the list once a week, so new information does not appear in it immediately.

Frequently asked questions

Data as of 27 September 2026. This is general information, not legal advice.