From January 1, 2023, Art. 7b, establishing the obligation to make non-cash payments in relations between the consumer and the entrepreneur, if the value of the transaction exceeds 20 thousand. zloty.
See also: Euronet lowered the limit on ATM withdrawals
In practice, this means that when buying a flat, a car that is not too old or paying a professional, e.g. for a kitchen renovation, you will have to do it by bank transfer. Entrepreneurs in settlements among themselves are already used to this solution, because currently their limit is 15,000. PLN, which will soon drop to 8 thousand. zloty.
ZPP is against change
The Union of Entrepreneurs and Employers hopes that it will be possible to stop the reform or at least postpone the changes. Its representatives consider this solution “for too far-reaching interference with citizens’ preferences regarding payment methods and calls for this solution to be withdrawn. “
“Limiting cash flow during significant geopolitical tensions and the ongoing war in Ukraine may pose a threat to the cybersecurity of the state, “argue the representatives of the organization.
See also: No more signs “payment only in cash”. What does this mean for customers and entrepreneurs?
In their memorandum, they also write that Poland is one of the pioneers in the use of modern technologies in non-cash transactions. “Research shows that 47.3 percent people prefer non-cash payments, while 32.6 percent. still prefers to pay in cash. It should be noted, however, that in the 55-64 age group as much as 48.1 percent. of people choose cash (compared to 26.7% choosing non-cash payments), and in the group of people over 65 years of age choose cash as much as 71.8%. respondents (against 14.2 percent choosing non-cash payments) “- we read.
Business representatives emphasize that consumers using cash indicate that this form of payment allows for better spending control (30%), a sense of independence (21%), and greater privacy and protection of personal data (17%).