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Banks to verify if customers are alive – new PESEL data access rules

The act introduces an obligation for banks and cooperative savings and credit unions to check the PESEL register to verify if a customer is alive after a specified period of inactivity. This aims to help determine the fate of funds held in accounts of deceased persons. The changes also apply to cooperative banks and their members.
Key points
Banks must check the PESEL register to verify if a customer is alive if no account activity occurs for 5 years.
Similar obligation applies to time-limited accounts – 3 months after contract expiry without withdrawal instructions.
Cooperative banks and cooperative savings and credit unions are subject to analogous provisions.
Banks will gain access to information on date of death or finding of body without additional applications.
Changes take effect 3 months after publication of the act.
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60%
VOTING RESULTS
2025-07-25
For 260
Against 175
Abstain 1
Full voting results open_in_new
gavel
Status:
Became Law
CIVIC WILL RECORD
0% Supported 100% Opposed
1 VOTES RECORDED
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Additional Information
Rządowy projekt ustawy o zmianie ustawy - Prawo bankowe oraz niektórych innych ustaw.
Print number: PROJEKT USTAWY 1377
Process start date: 2025-06-23
Voting date: 2025-07-25
Voting no: 36
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: kimi-k2.5
Source data: api.sejm.gov.pl
AI work logs for this document launch
Summary & Status

Key Questions about Banks to verify if customers are alive – new PESEL data access rules

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is PROJEKT USTAWY 1377.

When did the legislative process begin?

The process officially started on 2025-06-23.

What are the main provisions?

Key points include:

  • Banks must check the PESEL register to verify if a customer is alive if no account activity occurs for 5 years.
  • Similar obligation applies to time-limited accounts – 3 months after contract expiry without withdrawal instructions.
  • Cooperative banks and cooperative savings and credit unions are subject to analogous provisions.
  • Banks will gain access to information on date of death or finding of body without additional applications.
  • Changes take effect 3 months after publication of the act.

What is the specific legal status?

The current status is Became Law.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Where is the official voting record?

The official roll call vote is recorded at: voting record

What is the latest detailed status?

The latest detailed status is: Uchwalono

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-09-07.

Analysis and Potential Impact of PROJEKT USTAWY 1377

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Economy Informatization