Is crypto legal in Poland?

Yes, crypto is legal in Poland. People can buy, hold and sell it, and the state taxes gains from it. What Poland lacks, as of October 2026, is the national law needed to run the EU's MiCA licensing regime at home, which has left Polish crypto firms in a regulatory gap.

Is bitcoin legal in Poland?

Yes. No Polish law bans owning or trading bitcoin. Since October 31, 2021, businesses that exchange virtual currencies, broker such exchanges or keep accounts for them have needed an entry in a register kept by the Director of the Tax Administration Chamber in Katowice, under Poland's anti-money laundering act. Operating without it can bring a fine of up to 100,000 złoty.

The Ministry of Finance taxes income from selling crypto at 19%, as explained in how crypto is taxed in Poland. Its guidance also treats mining hardware and electricity as non-deductible costs, so mining is handled in tax rules rather than banned.

What happened to Poland's crypto-asset market act?

The act was meant to apply MiCA in Poland. President Nawrocki vetoed the first version on December 1, 2025 and a revised one on February 12, 2026, crypto.news reported. The Sejm passed a third version on May 15, 2026, and he vetoed it on June 11, saying lawmakers had accepted only one of his 16 requested changes.

Override votes failed in December 2025, April 2026 and on September 4, 2026, when 241 deputies voted to override and 266 were needed, Crowdfund Insider reported. The president argues the drafts were too burdensome and has sought changes such as limits on how long accounts can be frozen. A revised government draft is reportedly in preparation, but no date had been set as of October 2026.

What does the KNF do in crypto?

The Polish Financial Supervision Authority (KNF) does not license crypto firms today. In 2021 its office warned that the crypto market, apart from investment tokens, was not under its supervision. Both the government and presidential drafts would make the KNF the MiCA supervisor, with power to license firms and impose sanctions, Dudkowiak & Putyra noted. They differ mainly on how far the KNF could block crypto accounts and on penalty levels.

Is Poland crypto friendly?

It depends on who you ask. The EU-wide MiCA transition ended on July 1, 2026. Because no national law names a Polish regulator, crypto.news reported that Polish firms cannot obtain a MiCA licence at home, and many have sought licences in Lithuania, Latvia or Germany. Firms licensed elsewhere in the EU can still serve Polish customers through passporting. The collapse of Zondacrypto, a domestic exchange whose Estonian-registered operator was declared bankrupt in August 2026 after withdrawals stopped in April, has added pressure for rules. The broader picture is in crypto regulation around the world.

Rules differ by country and change often. Check the regulator or a qualified professional for your own situation.