Best donation crowdfunding platforms in Poland
Which platform delivers the most of every zloty to Polish recipients — and what the tax office expects from donors and fundraisers.
On zł100 via BLIK, 4fund.com delivers zł100.00 to the recipient.
“For a Polish campaign, accepting BLIK is the single biggest lever on conversion — and a platform that passes through low local fees, rather than routing everything over card rails, delivers more of every zloty to the cause.”
Giving in Poland
Dominant payment methods, the local currency, regulators, and the tax regime — the context that decides which platform actually serves a campaign here.
Poland runs on BLIK. The mobile, code-based method now carries more than half of the country's e-commerce — ahead of cards — with bank pay-by-link (Przelewy24, PayU) close behind. BLIK users made roughly 2.9 billion transactions in 2025, and online shopping is its single biggest use case. A donation form that accepts BLIK at checkout converts far better than one that only takes cards, so the payment mix matters as much here as the platform brand.
The market is led by home-grown platforms: Zrzutka.pl built its reputation on a no-mandatory-fee model, while Siepomaga.pl and Pomagam.pl dominate charitable and personal causes; reward platforms such as Polak Potrafi and Wspieram.to sit alongside them, and international names including GoFundMe and WhyDonate also operate. In February 2025 the consumer regulator UOKiK opened proceedings into the largest sites over the way donors are nudged into tipping the platform — worth knowing when you compare costs.
Payments and e-money are supervised by the KNF (Polish Financial Supervision Authority), with the central bank NBP overseeing the payment system and UOKiK handling consumer protection. Crucially, online fundraising paid to a bank account is not a 'public collection' under the 2014 Act — that regime (filed at zbiorki.gov.pl via the interior ministry) covers cash and in-kind giving in public spaces, so most online campaigns sit outside it. Donor data is governed by RODO, the Polish implementation of the GDPR.
Top platforms for Poland
Ranked by how much of every 100 donated reaches the recipient under the local method (switch it to see the ranking move). We exclude platforms without Trustpilot reviews; the full catalogue is on the index.
| # | Platform · best for | Recipient gets · per 100 | Trustpilot | Countries | Residency |
|---|---|---|---|---|---|
| 1 |  | zł100.00 card rate* | 3.9/5 | 30 ctry | — |
| 2 |  | zł98.35 card rate* | 4.9/5 | 115 ctry | EEA |
| 3 |  | €96.85 † card rate* | 4.2/5 | 36 ctry | EEA |
| 4 |  | £92.80 † card rate* | 4.0/5 | 56 ctry | — |
| 5 |  | zł92.20 card rate* | 4.8/5 | 29 ctry | — |
| 6 |  | €87.10 † card rate* | 2.6/5 | 32 ctry | — |
Donation & taxes
The two questions readers most want answered — laid out as separate tracks so a donor and a fundraiser each find their own.
Tax is the reason many people land here. We split it cleanly: what a donor can deduct, and what a fundraiser might owe.
Researched · verified · 2026-06-03Is my gift tax-deductible?
Cash gifts to organisations carrying out public-benefit activities are deductible from your taxable income, up to 6% of income. Separately, any taxpayer can steer 1.5% of the tax they already owe to a registered public-benefit organisation (OPP).
- Up to 6% of income. Monetary gifts to organisations pursuing public-benefit goals (plus religious and blood-donation causes) are deductible from your tax base, capped at 6% of annual income — declared on the PIT/O attachment to your return.
- Pay to a bank account. A cash donation is only deductible if paid to the recipient organisation's bank account; keep the transfer confirmation as proof.
- The separate 1.5% allocation. When you file, you can direct 1.5% of your tax due to a registered OPP by quoting its KRS number. It costs you nothing extra and is independent of the 6% deduction.
- Gifts to individuals are not deductible. Money given to a private person — the typical personal crowdfunder — gives the donor no deduction.
| Gift type | Deductible | Limit |
|---|---|---|
| Cash gift to a public-benefit org | Yes — from the tax base | 6% of income |
| 1.5% allocation to an OPP | Yes — from tax due | 1.5% of tax |
| Gift to a private individual | No | — |
- Deduction for public-benefit gifts
- up to 6% of income
- Allocation of tax already due
- 1.5% to an OPP
Do I owe tax on what I collect?
It depends who you are. An individual receiving donations can face gift tax (podatek od spadkow i darowizn) once the total from a single donor exceeds the tax-free amount; registered organisations follow different rules.
- Gift tax above the tax-free amount. For an unrelated donor (Group III) the tax-free amount is PLN 5,308 per donor, counted over a rolling five-year window. Above it, rates run from 12% up to 20% on the excess.
- Many small public gifts. A genuine cause funded by many donors, each giving under PLN 5,308, is typically untaxed — but a single donor over the threshold becomes reportable.
- Online fundraising is not a 'public collection'. Because the money moves to a bank account rather than cash in a public space, online crowdfunding sits outside the MSWiA public-collection regime — but the gift-tax questions still apply to the recipient.
- If it is really income or a charity. Payment for goods, services or a business activity is income (and can trigger VAT), not a gift. A registered foundation or association receives gifts under its own, more favourable rules.
| Your situation | Likely treatment |
|---|---|
| Individual · each donor under PLN 5,308 | Usually untaxed |
| Individual · one donor over PLN 5,308 | Gift tax may apply (12–20%) |
| Registered foundation / association | Different rules — often exempt |
| Goods or services given in return | May be income / VAT |
- Tax-free amount (unrelated donor)
- PLN 5,308
- Rate on the excess
- 12% → 20%
This isn't tax advice. Crowdfunding situations vary, gift-tax thresholds are counted per donor over five years, and the rules are being amended for 2026 — verify your case with Krajowa Administracja Skarbowa before you file.
Local payment methods
How donors in Poland actually pay — and why the method matters as much as the platform.
The default Polish method: a six-digit code confirmed in the banking app, settling bank-to-bank. Over half of Polish e-commerce — essential for any campaign here.
Donor is redirected to their bank to approve the transfer. Long-established and trusted, especially for larger gifts.
Percentage fees, so larger gifts cost more in absolute terms. Used more by international and younger donors.
Growing on mobile checkout — wraps a card, so it inherits card fees.
Niche in Poland; mostly cross-border donors. Highest fee structure of the set.
Method choice drives conversion more than brand in Poland: a form offering BLIK — confirmed in seconds in the banking app — clears far more donations than a card-only checkout, and passing through BLIK's low cost keeps more of each zloty with the cause.
Frequently asked
Platform and tax questions, together — because most people arrive with one of each.
Which platforms work in Poland?
Home-grown platforms lead: Zrzutka.pl (a no-mandatory-fee model), Siepomaga.pl and Pomagam.pl for charitable and personal causes, with reward sites like Polak Potrafi and Wspieram.to, plus international names such as GoFundMe and WhyDonate. The platforms that accept BLIK at checkout and pass through low local fees deliver the most of each zloty to the cause.
Are donations tax-deductible in Poland?
Cash gifts to organisations carrying out public-benefit activities are deductible from your tax base up to 6% of income (declared on PIT/O), provided you paid to the organisation's bank account. Separately, you can direct 1.5% of the tax you already owe to a registered OPP at no cost. Gifts to private individuals are not deductible.
Will I be taxed on money I raise?
If you are an individual, gift tax can apply once any single donor's total exceeds the tax-free amount — PLN 5,308 for an unrelated donor over a rolling five years — with rates from 12% to 20% on the excess. Many small public gifts for a genuine cause are typically untaxed. Registered foundations and associations follow more favourable rules. Giving goods or services in return can make it income or VAT instead.
What's the cheapest way to receive donations here?
A platform that accepts BLIK and passes through its low cost. BLIK settles bank-to-bank for a small fee, so it both converts better than cards and leaves more of each zloty with the cause — the method matters as much as the platform brand.
Other countries
Same methodology, different jurisdiction.
Rankings are produced by a public editorial methodology — open to peer review. We disclose ownership, scoring weights, and every change.