A quarter of a million incidents in 2025 (CERT Polska report) – current schemes and hard rights: reimbursement of unauthorized transactions by the end of the next business day (art. 46), burden of proof on the bank (art. 45), free Financial Ombudsman, number 8080, blocking PESEL and cards, and secure banking from abroad.
Nearly 160 million PLN lost in 2025 and new methods: video calls with a fake 'police officer' (police warning from 21.07.2026) and AI voice cloning. Security measures can be set up remotely: blocking PESEL, bank limits, BIK alerts for family, family password – and what to do minute by minute when it happens.
An explanation of a tax fraud scheme where students and individuals under 26 are encouraged to sign fake invoices or contracts for services they never performed, including red flags, legal consequences, and how to respond and report to KAS.