# Polish bank account management and closure regulations > Live situation record from CLSTR: https://clstr.news/situations/polish-bank-account-management-and-closure-regulations > Updated: 2026-08-28T10:40:08.000Z. Sources: 5. Developments: 2. Polish banks have the legal authority to close inactive or unused accounts, particularly those where owners have not issued instructions or transactions for an extended period. To facilitate this, regulations introduced in 2025 expanded the ability of banks to verify customer data against the PESEL register. If an account remains inactive after these checks, the contract may expire. Managing these accounts involves several consumer considerations. Unused accounts may incur annual maintenance fees of approximately 150–200 PLN. While consumers can typically close accounts through mobile apps, online banking, or customer service—often subject to a 30-day notice period—those facing financial exclusion or recent account closures may still access loans through alternative disbursement methods like cash at branches or postal transfers. Lenders remain obligated to verify identity and creditworthiness under existing regulations. ## Timeline ### 2026-08-28: Banking services and account management in Poland Polish consumers can access loans without bank accounts through alternative disbursement methods, though identity verification remains mandatory. Unused accounts may also incur annual fees. 2 sources. https://clstr.news/cluster/banking-services-and-account-management-in-poland ### 2026-08-23: Polish banks authorized to close inactive accounts Polish banks are authorized to close inactive accounts after verifying customer data through state registers, addressing a surplus of millions of unused accounts across the country's banking sector. 2 sources. https://clstr.news/cluster/polish-banks-authorized-to-close-inactive-accounts --- Cite as: Polish bank account management and closure regulations. CLSTR, https://clstr.news/situations/polish-bank-account-management-and-closure-regulations