Can you pay rent in cash in Poland

Can you pay rent in cash in Poland

When renting a flat or house in Poland, landlords and tenants often discuss the payment method: bank transfer or cash. The law does not forbid paying rent in cash, but this method has both advantages and risks. This is especially relevant with a Najem Okazjonalny agreement, where payment transparency matters.

What the law says

In Poland, cash payment is permitted if the parties agree to it in the contract. However, for amounts over 15,000 PLN (single transactions), AML rules require settlement through a bank account. Such sums are rare in residential rent, so cash remains an acceptable form of payment.

Pros of paying in cash

• Convenience. Hand over money in person with no bank fees.
• Speed. Funds reach the landlord immediately, without banking delays.
• Flexibility. Handy for newcomers who haven’t opened a Polish bank account yet.

Cons and risks

• Lack of proof. Without a receipt, it’s hard to prove payment.
• Disputes. Potential disagreements over amounts and due dates.
• Less protection for the tenant. In disputes, bank transfers are stronger evidence.

How to stay safe when paying cash

1. Always get a written receipt from the landlord.
2. Record the payment method in the lease or an addendum.
3. If possible, hand over cash in front of witnesses.
4. Keep all receipts until the tenancy ends.

When a bank transfer is better

A bank transfer is the safest option because it creates an official transaction record. It’s preferable with Najem Okazjonalny and when a foreign tenant will use the lease for official procedures (e.g., residence matters).

FAQ

Conclusion

Paying rent in cash in Poland is possible and legal if it’s stipulated in the contract. To protect yourself, always ask for a receipt or use a bank transfer. The most reliable method is a non-cash transfer—especially with a Najem Okazjonalny agreement.