Poland and Cryptocurrencies: MiCA vs. National Regulations

Content update: October 12, 2026. The original publication date remains unchanged.

The fact that work on the Polish law has not been completed does not mean that the cryptocurrency market remains outside the law. MiCA is a European Union regulation, not a Polish law. Other regulations are also in effect, including those concerning anti-money laundering and taxation.

What does MiCA entail?

Regulation (EU) 2023/1114 regulates, among other things, issuers of certain crypto-assets and providers of crypto-asset services. The provisions concerning asset-backed tokens and tokens that constitute e-money apply as of June 30, 2024, while the bulk of the remaining provisions apply as of December 30, 2024.

Transition periods for existing suppliers varied by Member State and ended no later than July 1, 2026. A previous entry in the national registry cannot be treated as an indefinite authorization to operate throughout the EU.

Why is the Polish law significant?

National regulations specify, among other things, the organization of the supervisory authority and its powers. The draft bill adopted by the government on May 8, 2026, was submitted to the Sejm. The official record of parliamentary proceedings indicates that the Act of May 15, 2026, was not reenacted following the President’s veto at the session on September 4, 2026. This is a specific stage in the legislative process, not evidence that EU regulations are not in force.

What should you check before making a transaction?

• The identity of the actual service provider and its authorizations, including those listed in the relevant regulatory authorities' registries.
• Current device availability, carrier terms, commission, and identification requirements.
• Your own tax obligations and the risks associated with cryptoassets. Regulation does not guarantee the value of your investment or the return of your funds.

Bitcoin ATM.com is an aggregator of location-based information. The mere fact that a facility is shown on the map does not constitute confirmation of its operator’s authorization or an investment recommendation.

Sources

• ESMA: MiCA Regulation
• ESMA: Transition Periods
• Office of the Prime Minister: bill adopted on May 8, 2026
• Sejm: Progress on the Bill

Archival material

The video provides commentary on an earlier stage of the debate. Its assessments and time references do not replace the current sources listed above.