Poland

KNF fined Allied Funds TFI PLN 50,000 on 23 October 2026, after halving the penalty under a settlement agreed with the company, because, as liquidator of the Value Quest fund, it carried out activities outside those art. 249(1) permits. The decision is final and cannot be appealed.

KNF fined TFI Agro PLN 250,000 on 23 October 2026 because the company exceeded an investment limit for the FIZ Agro Ziemski fund in holdings in two AGRO ZIEMIA companies between 2019 and 2023. The decision is not final and can be reconsidered by KNF or appealed to the Warsaw administrative court.

KNF fined Compensa PLN 5,000,000 for setting motor third-party liability premiums in 2022-2024 at a level that did not cover its insurance obligations or the costs of the business. The decision of 23 October 2026 repealed KNF's decision of 27 April 2026, which had set PLN 8,500,000, after Compensa asked for reconsideration; KNF's communiqué says it is not yet legally binding (prawomocna) and Compensa may appeal to the Warsaw administrative court.

The President of UOKiK fined the lender PLN 3,871,000 for making loans conditional on buying add-on packages such as medical subscriptions and language courses, which were added to the credit amount and understated the RRSO. Once final, the decision requires Aasa to post a notice on its website and Facebook profile for three months; it is not yet final. Date shown is UOKiK's publication of 19 October 2026.

The President of UOKiK fined Fincapital PLN 2,651,000 for telling borrowers they could defer repayment by 30 days only if they bought a paid scoring report, although lenders did not require it and it did not guarantee deferral. The decision is not final and the practice has stopped. Date shown is UOKiK's publication of 15 October 2026.

The President of UOKiK fined Plus Bank two fines, totalling about PLN 453,000 as rounded on the page, over an account-fee clause allowing changes after cost rises of at least 1% in areas including energy and telecoms, plus an open-ended 'other costs' category. The four banks' fines total PLN 147.09 million; decisions are not final and the decision dates are not stated. Date shown is UOKiK's publication of 12 October 2026.

The President of UOKiK fined Bank Pocztowy two fines, totalling about PLN 2,710,000 as rounded on the page, over card and credit terms that let it change the regulations over 'improvements' to services without separating minor changes from material ones. The four banks' fines total PLN 147.09 million; decisions are not final and the decision dates are not stated. Date shown is UOKiK's publication of 12 October 2026.

The President of UOKiK fined ING Bank Śląski two fines, totalling about PLN 63,250,000 as rounded on the page, over loan-terms clauses listing vague 'important reasons' for changes and allowing fee increases of up to 200% after small inflation or wage changes. The four banks' fines total PLN 147.09 million; decisions are not final and the decision dates are not stated. Date shown is UOKiK's publication of 12 October 2026.

The President of UOKiK fined Erste Bank Polska two fines, totalling about PLN 80,680,000 as rounded on the page, over a tariff clause letting it raise fees and commissions when average wages rose 3% or inflation rose 0.5 percentage points, and a clause on changing contract terms. The four banks' fines total PLN 147.09 million; decisions are not final and the decision dates are not stated. Date shown is UOKiK's publication of 12 October 2026.

UODO fined Costalea, a Warsaw company, PLN 29,112 for ignoring a 2025 order to meet an information obligation towards a complainant and for not answering a formal reminder. Date shown is UODO's publication of 5 October 2026; the decision date is not stated.

KNF fined Amathus TFI PLN 250,000 on 11 September 2026 for breaches of art. 225(1) and the related regulation. The list gives no description.

KNF fined AgioFunds TFI PLN 151,000 on 9 September 2026 for breaches including art. 8(3)(f) of Regulation (EU) 1286/2014 (key information documents). The list gives no further detail.

The President of UOKiK imposed combined fines of PLN 4,692,000 on AS Inbank for treating credits financing photovoltaic installations and heat pumps as untied when they met the tied-credit criteria, requiring repayment after withdrawal and not informing consumers of their art. 59 rights. The decision is not final. Date shown is UOKiK's publication of 30 September 2026.

KNF fined FORUM TFI PLN 1,012,000 on 28 August 2026 for breaches of the provisions listed above. The list gives no description of the conduct.

KNF's 2026 list records a PLN 4,500,000 penalty on this fund management company for two provisions of the investment funds act. The list gives no narrative of the conduct.

PKO BP SA received a PLN 47,500,000 penalty on 5 August 2026 for five violations of the Banking Law and the Minister of Finance's structured-deposit regulation. The list does not describe the conduct.

KNF fined this insurer PLN 86,800 on 24 July 2026 under art. 14(1)-(3) of the compulsory insurance act. The list does not describe the conduct.

KNF fined this individual PLN 100,000 on 24 July 2026 under art. 145(3), art. 157(2) and art. 3(3). The list gives no role or narrative.

KNF fined Reliance Capital SA PLN 178,000 on 24 July 2026 for breaches of the consumer credit act's articles 59dg and 59dh and a related reporting regulation. The list does not describe the conduct.

KNF fined this insurer PLN 100,500 on 12 June 2026 under art. 14(1)-(3) of the compulsory insurance act. The list does not describe the conduct.

KNF imposed a PLN 2,700,000 penalty on InterRisk on 12 June 2026, citing art. 33(2) of the insurance activity act. The list does not describe the conduct.

UODO fined the Minister of Justice, as controller, PLN 100,000 for failing to apply adequate technical and organisational measures and to supervise staff with access to judges' data from the ministry's HR records, which were used for political and personal purposes and passed to unauthorised people. Date shown is UODO's publication of 2 June 2026; the decision date is not stated.

mBank SA was penalised PLN 14,900,000 on 29 May 2026 for five listed violations of the Trading in Financial Instruments Act and the Banking Law. KNF upheld the decision on 28 August 2026.

UODO fined the association PLN 10,082 on 18 May 2026 for not answering two information requests and a reminder about its voter-verification app used in the 2025 presidential election. Published by UODO on 26 October 2026.

KNF fined Deutsche Bank Polska PLN 200,000 on 8 May 2026 under art. 72(1)(7) of the investment funds act. The list gives no narrative.

Dariusz Karolak, a natural person, was fined PLN 250,000 on 8 May 2026 under Art. 56(1)(2)(b) of the Public Offering Act. The list does not describe the conduct.

KNF fined this individual PLN 200,000 on 24 April 2026 under art. 145(3). The list does not give the person's role or describe the conduct.

KNF fined PKO TFI PLN 146,250 on 3 April 2026 for breaches of art. 225(1) and art. 228. The list does not describe the conduct.

LPP SA, a listed issuer, was fined PLN 15,000,000 on 3 April 2026 for three violations of the Public Offering Act and the information regulation. The list gives no description of the conduct.

KNF fined the brokerage XTB SA PLN 20,000,000 on 30 March 2026 for four violations of Delegated Regulation (EU) 2017/565, the Trading in Financial Instruments Act and a Minister of Finance regulation. The list notes that KNF upheld the decision on 28 August 2026.

Seven violations are listed against Santander Bank Polska SA under the Trading in Financial Instruments Act and the Banking Law. The PLN 21,100,000 penalty was decided on 4 March 2026 and upheld on 28 August 2026.

UODO fined the company PLN 5,898,064 for asking app users to upload scans of ID documents in suspected fraud cases without a legal basis, and ordered it to stop collecting them and delete the data already gathered within 30 days. Date shown is UODO's publication of 16 March 2026; the decision date is not stated.

KNF fined MM Prime TFI PLN 425,000 on 13 February 2026 for two violations, one of the fund accounting rules and one of the EU AIFMD delegated regulation. The list does not describe the conduct.

UODO fined the foundation PLN 22,920 in total for passing personal data of 29 people to public bodies without authorisation, late breach notification and a conflict of interest in its data protection officer role, and reprimanded it separately under art. 34(1). Date shown is UODO's publication of 25 February 2026; the decision date is not stated.

KNF fined Quercus TFI PLN 90,000 on 16 January 2026 for a breach of a fund statute provision. The list gives no further detail.

KNF fined Allied Funds TFI PLN 137,500 on 16 January 2026 for breaches of art. 225(1) and related regulation provisions. The list gives no narrative.

The President of UOKiK fined PKO BP PLN 79,291,800 over overdraft addendum clauses that let the bank change the interest rate on the revolving limit without clear, verifiable grounds, a practice in use since 15 December 2018, and ordered it to inform affected consumers individually and publish a statement. The decision is not final. Date shown is UOKiK's publication in January 2026 (page shows 30 January; metadata 26 January).

UODO fined Poczta Polska PLN 978,000 after finding a conflict of interest because its data protection officer also held a senior management role. Date shown is UODO's publication of 26 January 2026; the decision date is not stated.

The cooperative bank was fined PLN 420,000 for six violations of the AML/CFT Act, chiefly the financial security measures in Arts. 33 and 34. The list gives no decision date; the year is that of the list.

KNF fined JWW Invest SA PLN 80,000 on 19 December 2025. The list gives no narrative.

The President of UOKiK fined this mortgage bank PLN 1,183,304 in the same credit-holiday case, for the same shortened suspensions and automatic one-month term extensions, and ordered it to inform affected consumers. The decision is not final. Date shown is UOKiK's publication of 17 December 2025.

The President of UOKiK fined the bank PLN 117,801,000 for shortening mortgage repayment holidays requested in the last month of a quarter while still extending the loan term by a full month, which could raise borrowers' costs. The bank must also inform each affected consumer; the decision is not final. Date shown is UOKiK's publication of 17 December 2025; the decision date is not stated.

KNF fined this company PLN 80,000 on 24 November 2025 under art. 79. The list does not describe the conduct.

KNF fined OPTI TFI PLN 360,000 on 21 November 2025 for a breach of art. 145(3) read with art. 3(3). The list gives no narrative.

KNF fined this company PLN 154,000 on 7 November 2025 under art. 106(1) read with art. 106(3)(2). The list gives no narrative.

Credit Agricole Bank Polska SA was fined PLN 1,000,000 for four violations of the AML/CFT Act, on risk assessment and financial security measures. The list gives no decision date; the year is that of the list.

Plus Bank SA was fined PLN 2,120,000 for 11 violations of the AML/CFT Act, including provisions on financial security measures (Arts. 33-34). The list gives no decision date; the year is that of the list.