Introduction
Proof of no tax or social security debts is required in various situations: when applying for a residence card, getting a loan, participating in a tender, or arranging installment payments. In Poland, these are two separate documents — one issued by the Tax Office (Krajowa Administracja Skarbowa) and the other by the Social Insurance Institution (ZUS).
Tax Office Certificate (Urząd Skarbowy)
What is this document
At the Tax Office, the certificate is called Zaświadczenie o niezaleganiu lub stwierdzające stan zaległości w podatkach (ZAS-W). It confirms the status of your tax obligations at the time of issuance: either no debts or specifying the amount owed and the period.
More details on the official website: podatki.gov.pl — Zaświadczenie o niezaleganiu
How to apply
- Online via e-Urząd Skarbowy using a Trusted Profile (Profil Zaufany) or qualified electronic signature. Go to portal
- In person at the local Urząd Skarbowy — fill out the form and attach the required documents.
Fees and processing time
Paper submission — stamp duty (21 zł). Online applications are usually free. Processing time — up to 7 working days.
Templates and forms
ZUS Certificate (Zakład Ubezpieczeń Społecznych)
What is this document
The ZUS certificate is called Zaświadczenie o niezaleganiu w opłacaniu składek. It confirms the absence of debts for social, insurance, and medical contributions.
Official page: zus.pl — Zaświadczenie o niezaleganiu
How to obtain
- Through PUE ZUS — log in to your account and submit an electronic request.
- In person — at a ZUS branch using form RWN.
Differences from the tax certificate
If you have outstanding debts, ZUS will refuse to issue the certificate. The Tax Office can issue the document with debt details.
Cost
ZUS certificate issuance is free. Processing time — up to 7 working days.
Step-by-Step Instructions
Step 1. Determine which certificates are required
Check with the recipient (consulate, bank, migration office) whether you need the Tax Office certificate, ZUS certificate, or both.
Step 2. Prepare documents
- Passport / PESEL
- NIP/REGON (for entrepreneurs)
- Recipient information
Step 3. Online submission
For the Tax Office — via e-Urząd Skarbowy. For ZUS — via PUE ZUS.
Step 4. Receiving the certificate
Check the electronic certificate: signatures, issue date, and purpose.
Step 5. In case of refusal
ZUS may refuse if you have debts. The Tax Office will indicate the amount owed. You can appeal or pay off the debt.
How Business Start Can Help
We will prepare applications, check the data, submit requests to e-Urząd Skarbowy and PUE ZUS, and monitor the results. We help you obtain documents quickly and correctly.
Contact: infobiuro@bstgroup.pl
