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Crypto Regulation in Poland

Legal

Poland regulates crypto under MiCA through KNF. Crypto gains are taxed at a flat 19%. Poland has a large and active crypto community with significant adoption.

Region: EuropeCurrency: PLNAdoption Rank: #26Risk Score: 28/100

Tax Information

Capital Gains (Personal)
19% flat tax on crypto gains (PIT-38)
Capital Gains (Corporate)
19% (standard) or 9% (small taxpayer) CIT on crypto gains
VAT on Crypto
No
Staking Tax
Taxed at 19% as capital gains upon disposal
Airdrop Tax
Taxed at 19% upon disposal (not upon receipt)
Mining Tax
Taxed as business income at applicable rates
Summary
Poland taxes crypto gains at a flat 19% rate. Gains are reported on PIT-38. Crypto-to-crypto trades are not taxable events since 2019, simplifying reporting. Losses can be carried forward for 5 years. This is a relatively clear and moderate tax regime.

Licensing & Registration

License Required
Yes
Regulator
KNF (Komisja Nadzoru Finansowego (Polish Financial Supervision Authority))
Framework
Markets in Crypto-Assets Regulation (MiCA); Polish AML Act
License Types
Crypto-Asset Service Provider (CASP) Authorization under MiCA, VASP Registration
Estimated Cost (USD)
$20,000 - $150,000
Timeline
4-12 months
Ease of Licensing
Medium
Notes
KNF oversees MiCA CASP authorization. Poland's VASP registration has been managed through the tax authority. KNF has been increasing its crypto supervisory capacity.

AML / KYC

KYC Required
Yes
Travel Rule
Yes
FATF Member
Yes
FATF Status
Compliant
Suspicious Activity Reporting
Yes

Mining

Mining Legal
Yes
Status
Legal
Electricity Cost ($/kWh)
$0.13
Renewable Energy
30%
Climate
Temperate
Infrastructure
Good
Tax on Mining Income
19% (standard) or 9% (small taxpayer) CIT on crypto gains

DeFi, Stablecoins & NFTs

DeFi: regulatedStablecoins: specific frameworkNFTs: unclearCBDC: exploring

Soken Services

Legal Opinion
Available | $3,000 - $12,000 | 10 days
Banking
Difficulty: Hard | Crypto-friendly banks: none listed
Min. Deposit
$10,000
Fiat Rails
SEPA, SWIFT, SEPA Instant
Card Payments
Visa, Mastercard
Company Registration
$8,000 | 30 days | Limited Liability Company (LLC)
Licensing Support
Available | $25,000 - $100,000

Sources

KNF EU MiCA Regulation
Reviewed: 2026-03-08verified

Frequently Asked Questions

Is crypto legal in Poland?
Cryptocurrency is currently classified as "Legal" in Poland. Poland regulates crypto under MiCA through KNF. Crypto gains are taxed at a flat 19%. Poland has a large and active crypto community with significant adoption.
What is the crypto tax rate in Poland?
In Poland, the personal capital gains tax on crypto is 19% flat tax on crypto gains (PIT-38), and the corporate tax rate is 19% (standard) or 9% (small taxpayer) CIT on crypto gains. Poland taxes crypto gains at a flat 19% rate. Gains are reported on PIT-38. Crypto-to-crypto trades are not taxable events since 2019, simplifying reporting. Losses can be carried forward for 5 years. This is a relatively clear and moderate tax regime.
Do I need a crypto license in Poland?
Yes, a crypto license is required in Poland. The regulator is Komisja Nadzoru Finansowego (Polish Financial Supervision Authority) under Markets in Crypto-Assets Regulation (MiCA); Polish AML Act. Estimated licensing cost: $20,000 - $150,000.
Is crypto mining legal in Poland?
Yes, crypto mining is legal in Poland. Electricity costs approximately $0.13/kWh. Mining income is taxed at: 19% (standard) or 9% (small taxpayer) CIT on crypto gains.
What are the AML/KYC requirements for crypto in Poland?
Yes, crypto businesses in Poland must comply with KYC (Know Your Customer) requirements. The FATF Travel Rule is implemented. FATF compliance status: compliant.