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Exchanges13 November 2026

Buy bitcoin in Poland: with BLIK, in zloty or via your bank

No Polish bank sells bitcoin in its app and Poland has no MiCA law. Here is how to buy with BLIK or zloty from providers with an EU licence.

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If you want to buy bitcoin in Poland, since 1 July 2026 you can only do so through providers holding a MiCA licence from another EU country. Poland has no implementing law of its own: President Nawrocki vetoed the ‘ustawa o rynku kryptoaktywów’ on 11 June 2026, and on 4 September 2026 the Sejm mustered 241 votes, short of the 266 needed to override the veto. As a result, there is no Polish supervision of crypto firms. Paying with BLIK or zloty is still possible, at providers listed in the European register.

Buying bitcoin in Poland in short

  • No Polish MiCA law. The bill (print 2529) failed on 4 September 2026; according to the KNF, no national supervisor for crypto providers has been designated.
  • Transitional period over. Since 1 July 2026 only providers with a MiCA licence may operate in Poland; according to the KNF, cross-border services under a licence from another member state remain possible.
  • BLIK officially confirmed at Kraken (only in the Kraken app, from about 10 zł), OKX (after verification, only for Polish users) and Coinbase (buying only).
  • No bitcoin in the banking app. At mBank and Pekao you buy bitcoin ETNs and ETPs through the investment account, not bitcoin itself.
  • Tax: 19% on the gain when you sell for money, declared on the PIT-38 return. Swapping crypto for crypto is not taxed.

Why Poland has no MiCA licence of its own

The European MiCA regulation has applied in every member state since 30 December 2024, but each country has to designate its own supervisor. In Poland, the ‘ustawa o rynku kryptoaktywów’ was meant to do that. The Sejm passed the government bill on 15 May 2026 by 241 votes to 200, the Senate made no amendments, and on 11 June 2026 the president vetoed it. In the new vote on 4 September 2026 the law again received 241 votes, while 266 were needed to override a veto. At the time of writing, we found no new bill in the Sejm.

In its position paper (updated 29 September 2026), the KNF writes that ‘żaden krajowy organ administracji publicznej nie został wyznaczony’: no national public authority has been designated. The KNF is only competent for issuers of e-money tokens. The transitional period for existing providers ended on 1 July 2026 and, according to the KNF, could not be extended.

For you as a buyer, this means a Polish company currently cannot obtain a MiCA licence in Poland. Anyone offering crypto in Poland does so with a licence from another member state and a European passport for Poland. The ESMA register (as of 11 November 2026) contains 191 entries with Poland in the list of countries, but not a single one with Poland as the home country. You can look up a provider in our register of MiCA licences.

Buying with zloty and BLIK

These are providers listed in the ESMA register with Poland in their list of countries, along with what they publish themselves about BLIK and zloty:

ProviderLegal entity in the registerSupervisorLicensed sinceBLIK according to its own help centre
KrakenPayward Europe Solutions LimitedCentral Bank of Ireland25 June 2025Yes, in the Kraken app; from about 10 zł; converted to euros
OKXOKX Europe LimitedMFSA (Malta)27 January 2025Yes, for Polish users after verification
CoinbaseCoinbase Luxembourg S.A.CSSF (Luxembourg)20 June 2025Yes, for buying only
BybitBybit EU GmbHFMA (Austria)28 May 2025Not checked (page unavailable)
Crypto.comForis DAX MT LimitedMFSA (Malta)27 January 2025Not found in the help centre; euros via SEPA

Kraken. According to Kraken's help centre, BLIK works for people who live in Poland and have a personal account, not for business accounts. The minimum is about 10 zł, Kraken itself charges no deposit fee for BLIK, and because Kraken does not hold zloty balances, your payment is converted to euros. The steps are only described for the Kraken app, not for Kraken Pro. What the platform costs and what its drawbacks are, you can read in our Kraken review; the current offer is listed under the Kraken app invite code.

OKX. OKX writes that buying with BLIK is available ‘exclusively’ to Polish users who have completed verification (help centre updated 13 August 2026). There is no zloty order book; here too, it goes through euros.

Coinbase. Coinbase's help centre lists BLIK as a payment method for Poland, for buying only: not for selling, depositing or withdrawing.

Watch out for the conversion to euros. If you pay in zloty and buy in euros, there is an exchange rate in between. The rate and markup a provider charges for this are not always on the same page as the BLIK explanation; before your first purchase, check how many euros you get for your zloty.

Via your bank: investment products, not bitcoin

None of the major Polish banks sells bitcoin in its own app, as far as their own websites show. Through the investment account of some banks, however, you can buy products that track the price of bitcoin:

  • mBank mentions crypto-based products in its information document (valid from 15 September 2025), ‘takie jak fundusze ETF czy CFD’ (such as ETFs or CFDs). mBank's ETF list (updated 18 March 2026) includes BETA ETF Bitcoin, Bitwise Physical Bitcoin ETC, VanEck Bitcoin ETN and WisdomTree Physical Bitcoin. This is the list to which the 0% commission does not apply: you can trade them at the standard rate.
  • Pekao lists, among others, ETC Group Physical Bitcoin, iShares Bitcoin ETP, VanEck Bitcoin ETN and WisdomTree Physical Bitcoin in its brokerage overview (August 2026).
  • PKO BP: in its brokerage's list of foreign ETFs and ETPs (valid from 2 November 2026), we found no bitcoin product.
  • Alior offers crypto only as CFDs (a contract for difference, with leverage), and there you can only close positions, not open new ones.

Since 16 September 2025, the BETA ETF Bitcoin has been listed on the Warsaw Stock Exchange. According to the GPW, this fund tracks bitcoin through futures on the Chicago Mercantile Exchange, with currency hedging via forward contracts. So the fund does not hold any bitcoin. That is the biggest difference from buying on a crypto exchange: you cannot send your bitcoin to a wallet of your own, and the fund has its own costs. On the other hand, you hold it in your regular investment account.

Bitcoin ATMs, exchange offices and Żabka

‘Buy bitcoin at Żabka’ is a frequently searched question, but zabka.pl does not mention bitcoin or crypto. Żabka does sell paysafecard credit; that is a payment card, not crypto.

Cashify, known for its exchange offices with a counter, has, according to its own website, operated only as an online exchange service since July 2026. The service is provided by WEB3 Technology B.V., which according to Cashify holds a MiCA licence from the Dutch AFM; WEB3 Technology B.V. has been in the ESMA register since 12 February 2026, with Poland in its list of countries.

With bitcoin ATMs and exchange offices, one thing matters: registration in the Polish register of virtual currency activities is not a MiCA licence. The tax office in Katowice, which keeps that register, writes that such a registration ‘nie stanowi zezwolenia na prowadzenie działalności regulowanej przez MiCA’ (does not constitute authorisation to carry out activities regulated by MiCA) and, after 1 July 2026, no longer gives the right to provide those services. So look up the operator of an ATM in the MiCA register before you put money into it.

Tax on bitcoin in Poland

According to podatki.gov.pl (updated 24 June 2026), you pay 19% tax on the gain when you sell crypto for money or pay with it. Swapping between cryptocurrencies is not taxed. A loss never arises: if your costs exceed your proceeds, the difference carries over to the following year. You file the PIT-38 return between 15 February and 30 April of the following year.

A worked example: in 2026 you buy 4,000 zł of bitcoin and later that same year sell it for 6,000 zł. Your gain is 2,000 zł, and the tax is 19% of that: 380 zł. If you had 500 zł of deductible costs that year, the gain is 1,500 zł and the tax 285 zł. How other EU countries tax crypto is shown in our overview of crypto tax in Europe.

What does this mean for you as a buyer in Poland?

You buy from a foreign provider. A licence from Ireland, Malta, Luxembourg or Austria also applies in Poland, but if you have a complaint, you deal with that foreign supervisor. Check in the register which legal entity manages your account.

BLIK is convenient, but pays in euros. At Kraken and OKX, your zloty are converted to euros. So factor in the exchange rate, not just the trading fees.

An ETN or ETF is not bitcoin. Through mBank or Pekao you buy an investment product that tracks bitcoin. That fits in an investment account, but you cannot pay with it or send it to a wallet.

A Polish register number is not a licence. If an exchange office or ATM only shows a registration in the Polish register of virtual currency activities, look up the MiCA licence in the European register.

What is not certain yet

  • Whether and when a new Polish bill designating a supervisor will be introduced. At the time of writing, we found none in the Sejm.
  • Whether Revolut and Bybit offer BLIK for crypto: their own pages were not readable for us, so we do not state it as fact.
  • Whether the BETA ETF Bitcoin can be bought through every Polish bank; we did not check this bank by bank.

This article is not investment or tax advice. Crypto can fall sharply in value and you can lose your entire investment.

Frequently asked questions

Can I buy bitcoin with BLIK?

Yes, at providers that say so themselves: Kraken (in the Kraken app, from about 10 zł), OKX (after verification) and Coinbase (buying only). At Kraken and OKX, your payment is converted to euros.

Can I buy bitcoin at PKO BP?

Not in the banking app. The PKO BP brokerage's list of foreign ETFs and ETPs (valid from 2 November 2026) contains no bitcoin product. At mBank and Pekao, bitcoin ETNs and ETPs are available through the investment account.

Is buying crypto in Poland legal without a Polish MiCA law?

Yes. MiCA is a European regulation and applies directly. According to the KNF, providers with a licence from another member state may serve Poland. What is missing is a Polish supervisor for crypto firms.

How much tax do I pay on bitcoin in Poland?

19% on the gain when you sell for money or pay with crypto, declared on the PIT-38 return between 15 February and 30 April of the following year. Swapping between cryptocurrencies is not taxed.

Can I buy bitcoin at Żabka?

No. Żabka's website does not mention bitcoin or crypto; Żabka does sell paysafecard credit.

Sources

Read on 13 November 2026.

Prices of the coins in this article

Mid-market price from CoinGecko in euros, updated at 10:40 UTC.All 20 prices