Poland Country Summary

FATF Status

Poland is not on the FATF List of Countries that have been identified as having strategic AML deficiencies

Compliance with FATF Recommendations

The last Follow-up Mutual Evaluation Report relating to the implementation of anti-money laundering and counter-terrorist financing standards in Poland was undertaken in 2025. According to that Evaluation, Poland was deemed Compliant for 3 and Largely Compliant for 24 of the FATF 40 Recommendations. It remains Highly Effective for 0 and Substantially Effective for 3 of the Effectiveness ratings.

Poland has established a framework of laws and regulations aimed at combating corruption, including protections for whistleblowers and oversight by the Central Anti-Corruption Bureau. However, challenges remain, particularly in the enforcement of anti-corruption measures and addressing issues of judicial independence, which can undermine public trust in political institutions and the effectiveness of law enforcement.

The country faces significant challenges from organized crime, including human trafficking, drug markets, and financial crimes, with criminal networks often operating across borders. While the Polish government expresses a commitment to fighting organized crime, it struggles with political interference and a growing grey economy, which complicates efforts to protect legitimate businesses and maintain public safety.

Poland's economy demonstrated steady growth of 2.9% in 2024, outperforming the OECD average due to a favorable business climate, innovation, and a skilled workforce that attract foreign investment. While private investment faced challenges from high interest rates and geopolitical uncertainties, military modernization spending bolstered GDP growth, and government initiatives aimed at simplifying the tax system and enhancing investment predictability are expected to further improve the investment climate. Despite concerns regarding regulatory unpredictability and high energy costs, Poland remains an attractive destination for foreign investors, particularly in sectors such as defense, technology, and energy, supported by EU funding and a commitment to infrastructure development.