Poles remain financially exposed despite stable debt levels, study finds

Despite overall debt levels stabilizing in Poland over the past year, many households remain financially precarious, with nearly 40 percent having no savings or a financial cushion lasting less than a month.

What did the study “Poles’ Wallets at the Dawn of 2026: Savings and Concerns,” conducted by IMAS International on behalf of the National Debt Register (KRD) in December 2025, reveal?

Photo: Towfiqu barbhuiya/Unsplash.com/CC0

Low-income families, women, and middle-aged adults are particularly exposed to unexpected expenses or sudden drops in income.

Inflation is the single greatest concern, cited by 57 percent of respondents, followed by the risk of large, unexpected expenses such as medical bills or home repairs (47 percent).

Cybercrime - including phishing and increasingly sophisticated AI-driven scams - was indentified by 28 percent of those surveyed, ahead of concerns about a lack of savings or job loss and income declines.

Government data show that by early December 2025, over 222,000 cybersecurity incidents had been recorded in Poland, and the national Computer Emergency Response Team (CERT Polska) blocked more than 1.8 million suspicious SMS messages used in phishing campaigns between January and November.

The study, “Poles’ Wallets at the Dawn of 2026: Savings and Concerns”, was conducted by IMAS International on behalf of the National Debt Register (KRD) in December 2025, surveying a representative sample of 1,003 consumers, and its results were published on 30 December 2025.

(mp)

Source: KRD/PAP