From June 1, Poles can use the option to block their number PESEL number. This action is intended to largely reduce the effects of identity theft, which in many cases lead to loan fraud. Let us remind you that PESEL can be reserved in application mObywatel, on the website mobywatel.gov.pl via Zaufany Profil and in person at any commune office.
Problems with bank withdrawals. The reason is the registered PESEL number
People who wanted to use the option of withdrawing a larger sum of money from the bank from the moment they reserved their PESEL number may have been refused. The reason This is due to the fact that after blocking the number at bank branches, we are no longer able to withdraw an amount greater than three times the minimum wage. It currently amounts to 12.9 thousand. zlotys.
Importantly, you cannot take out a loan with a reserved PESEL number, credittake advantage of the option of purchasing goods in installments, with deferred payment, or signing a notarial deed. These restrictions disappear if we decide to withdraw the reservation (after completing the formalities, you can reserve your PESEL again).
Larger amounts can be withdrawn at ATMs
However, there is a solution for people who want to have a proprietary PESEL number and need to withdraw a larger sum of money urgently. – Pursuant to art. 105d section 2 of the Banking Law, the restriction of the PESEL number only affects the cash withdrawal limit at bank counters, but does not affect cash withdrawals at ATMs – she commented for “Republic of Poland” Magdalena Ostrowska from ING Bank Śląski.
In their case, the only restrictions concern the limits that we set, e.g. in the banking application, and those imposed top-down by banks. The limit for ATM withdrawals at Millenium Bank is PLN 20,000. PLN per day, while in Pekao bank SA has set a limit of PLN 50,000. PLN – but monthly.