An increasing number of lost and stolen identity documents are being reported to Poland’s Restricted Documents System, while banks continue to prevent dozens of attempts every day to obtain loans using other people’s personal data.
In the second quarter of 2026, banks prevented 9,362 attempted loan frauds with a combined value of PLN 303.1 million, according to the 66th edition of the infoDOK report published by the Polish Bank Association.
The report, based on data from the Polish Bank Association, the Credit Information Bureau and the Police, indicates that both the number of restricted documents and the scale of identity-related financial crime remain high.
Restricted document database approaches 3 million entries
At the end of June 2026, the Central Database of the Restricted Documents System contained 2,996,514 identity documents.
A total of 139,342 documents were added during the second quarter alone. This means that more than 1,500 documents were restricted every day, with a new entry added to the database approximately every 56 seconds.
Over the latest 12-month period, 313,552 new documents were reported to the system. The database is now approaching the symbolic threshold of 3 million entries.
Its continued growth suggests that more people are reacting quickly after losing an identity card, passport, driving licence or another document that could be used by criminals.
More than 100 attempted loan frauds every day
Between April and June 2026, banks stopped an average of 104 attempted loan frauds per day. Their combined daily value exceeded PLN 3.3 million.
Statistically, an attempted fraud was detected approximately every 14 minutes.
Over the latest 12 months, financial institutions recorded 21,920 attempted loan frauds with a combined value of PLN 674.9 million.
The report presents an average attempted amount of PLN 18,600 for the second quarter and PLN 17,400 for the latest 12-month period. In its average-value calculations, the report excludes the most extreme cases involving amounts of PLN 500,000 or more, as these could significantly distort the results.
Largest attempted fraud reached PLN 3 million
The largest individual fraud attempt recorded in the second quarter involved PLN 3 million and took place in the Kujawsko-Pomorskie region.
It was the highest single attempted loan fraud since the third quarter of 2023, when criminals attempted to obtain PLN 3.434 million in the Śląskie region.
Other major cases recorded during the quarter included attempted frauds worth PLN 1.9 million, PLN 1.86 million and PLN 1.75 million. All three were reported in the Mazowieckie region.
The figures show that although many identity-related loan frauds involve relatively modest sums, a small number of cases may expose financial institutions and victims to losses running into millions of złoty.
Mazowieckie leads the regional ranking
Mazowieckie recorded the highest number of attempted loan frauds in the second quarter, with 1,383 cases.
It was followed by Śląskie, with 1,141 attempts, and Dolnośląskie, with 867.
Mazowieckie also ranked first in terms of the combined value of attempted frauds, at PLN 73.4 million. Pomorskie followed with PLN 26 million, while attempted frauds in Śląskie were worth PLN 22.7 million.
The highest average attempted amounts were recorded in Zachodniopomorskie, at PLN 22,800, Podlaskie, at PLN 22,770, and Podkarpackie, at PLN 22,360.
The database has expanded steadily
The Central Database of the Restricted Documents System has continued to grow over successive quarters.
It contained 2,626,823 documents at the end of 2024 and 2,744,642 at the end of 2025. By the end of the first quarter of 2026, the number had risen to approximately 2.86 million.
The total reached 2,996,514 by 30 June 2026, leaving the system only a few thousand entries below the 3 million mark.
The system is used by all banks operating in Poland as well as other participating institutions. Once a document has been restricted, it should no longer be treated as valid when someone attempts to obtain a loan, open an account, sign a contract or purchase a service requiring identity verification.
What to do after losing an identity document
A lost or stolen document should be restricted as quickly as possible. This can be done personally at a bank branch and, where the bank provides such a service, by telephone.
An identity card or passport can also be restricted through the mObywatel application. People who created a Credit Information Bureau account before losing their document may also use the BIK online service.
When a document has been stolen, the incident should also be reported to the Police. The owner should then notify the relevant municipal authority or Polish consular office and apply for a replacement document.
Criminals rely on pressure and trusted identities
The infoDOK report also describes real fraud cases reported by the Police.
In May 2026, a woman from the Karkonosze district lost more than PLN 308,000 after a supposed financial consultant persuaded her to invest in cryptocurrencies and precious metals through a fraudulent platform.
In June, a 61-year-old woman from Gdańsk lost approximately PLN 750,000 in a scam involving criminals impersonating a bank or Credit Information Bureau employee and an officer from the Central Cybercrime Bureau.
In both cases, the perpetrators created time pressure and presented themselves as representatives of trusted institutions. These methods are intended to prevent victims from verifying the information or consulting relatives, banks or the Police before transferring money.
The Polish Bank Association stresses that a lost document should be restricted immediately, regardless of whether it was misplaced or stolen. Rapid action can reduce the risk of personal data being used to obtain credit or enter into contracts without the owner’s knowledge.
Source: Polish Bank Association, 66th infoDOK Report / CEO.com.pl
