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Poland · Transaction safety

9 Signs That a Property Listing Is a Scam in Poland

Price below market, rushing for a deposit, refusing to meet in person. An analysis of fraudulent schemes on the Polish rental and property sales market that are active right now.

Anna Kowalska · updated February 2026 · reading ≈ 7 min

Fraudulent listings rarely look obviously suspicious. They come from normal accounts, with good photographs and professional text. The danger is always in the details. These nine signs appear in almost all schemes — if even two match, move on.

§ 01

Price and photos

  1. 01
    Price 20–40% below market

    The main lure. A uniquely low price on 'a great apartment in the centre' is not luck — it's work: you're supposed to rush so you don't 'miss out'. Real good deals go for normal money.

  2. 02
    Photos from the internet

    Run the photos through reverse image search (Google Lens). If the same images appear on sites in other cities or countries, the listing is fake.

  3. 03
    Perfect 'studio' photos

    Glossy images that look like a furniture catalogue — often renders or stolen developer promotional material. Ask for live shots from additional angles.

§ 02

The 'seller's' behaviour

  1. 01
    Urgently needs a deposit

    'I already have four interested buyers, reserve it with a prepayment.' A real owner waits for a viewing. A scammer rushes — because the scheme only works before the first check.

  2. 02
    Cannot meet in person

    'I'm on a business trip / abroad / receiving treatment.' Any excuse not to show the apartment and not to meet is a critical red flag. No transfers without a personal meeting.

  3. 03
    Documents only 'after the deposit'

    A scan of the land register extract and the seller's passport is a normal buyer's requirement at the negotiation stage. Refusal to provide it is legitimate grounds for you to refuse the deal.

§ 03

Deal structure

  1. 01
    Transfer to a personal bank card

    Especially — if it's a card from a bank in another country. A real transaction goes through a notary or escrow account. Card transfer = money gone forever.

  2. 02
    Multiple 'owners' from different numbers

    One listing, but you're communicating with 'the wife', then 'the brother', then 'the manager'. A classic scheme for distributing liability — if something goes wrong, there's no one to hold accountable.

  3. 03
    Address discrepancy in documents

    If the documents sent show 'Warsaw, ul. Marszałkowska 145', but at the viewing they show an apartment on a different street — don't even try to 'clarify'. These are different apartments, and the second one probably doesn't belong to the seller.

⚠ This material is for informational purposes only and does not replace legal advice. For major transactions always work with a qualified specialist in your country.

FAQ

FAQ

What to do if you've already transferred a deposit to a scammer in Poland?

Immediately contact your bank with a request to dispute the transfer and go to the police (Policja). The faster you act, the higher the chance of blocking the funds. Save all correspondence, screenshots of the listing, and the account details.

Can a real apartment genuinely be notably cheaper than the market?

Occasionally — yes: an urgent move, inheritance, sale 'as is'. But then the owner calmly shows the apartment and documents and doesn't rush for a prepayment. Discount + haste + prepayment — that's already a scheme.

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