Poland implements PESEL reservation system for fraud protection

As of June 1, 2024, financial institutions in Poland are required to check the PESEL reservation register before finalizing certain transactions, such as granting loans or consumer credit. This measure is designed to protect citizens from identity theft and fraudulent credit applications.

Reserving a PESEL number is a free service available through the mObywatel app, online, or at municipal offices. While the reservation prevents unauthorized loans, it does not block standard banking activities like ATM withdrawals, transfers from existing accounts, or medical services. Users must remember to lift the reservation when performing legitimate transactions, such as signing a mortgage or selling property via a notary.

Note that the reservation is not a universal shield against all fraud; it does not prevent unauthorized transfers if a user is manipulated into approving them, nor does it replace the need for secure passwords and authorization codes.