Moving formalities: where should you report a change of address?

1. Tax office and CEIDG

This is a priority, especially if you run a business.

• Private individuals: If you don't run a business, it's simple. You just give your new address in your annual PIT tax return. However, if you want correspondence to reach you sooner, submit a ZAP-3 form via the e-Tax Office online service.
• Business owners: By law, you have 7 days to update your details in CEIDG, the Polish business register. You can do this entirely online. The system will automatically pass the information on to the tax office, ZUS/KRUS (the social insurance institutions) and the REGON register.

2. Banks and financial institutions

The security of your money and data comes first.

• Mobile app: With most banks, you can change your correspondence address in your profile settings. This is essential so that new payment cards or statements don't end up in the wrong hands.
• Loans: If you have a mortgage, check your agreement – sometimes a change of residential address requires formal notification to the bank, either in writing or through online banking.

3. Utility providers (electricity, gas, water)

This is where mistakes that cost real money are most likely to happen.

• Handover report: On the day you hand over the keys, be sure to write down the meter readings and take photos of the meters with your phone. That's your insurance policy in case the new occupant doesn't transfer the contract into their name.
• E-BOK: Most providers (PGE, Tauron, PGNiG) let you transfer the contract remotely (known as a change of customer) through their online customer service portals.

4. Internet, TV and phone

Telecoms services involve the longest waiting times.

• Assignment or transfer: Check whether services are available at your new address at least 2 weeks in advance. If your current provider doesn't cover that area, you'll have to terminate your contract or assign it to the new tenant of your old flat.
• Returning equipment: Don't forget to pack your router and TV decoder in a separate, labelled box – you'll need them from day one in your new home!

5. Insurer (motor and property insurance)

Where you live is one of the main factors affecting the price of your policy.

• OC/AC (third-party and comprehensive motor insurance): Moving to a different city, or even just to a district with less traffic, may result in a partial refund of your premium (or, unfortunately, an extra charge). If you don't report the change, your insurer may make difficulties about paying out on a claim after a minor collision.
• Home insurance: You need to close your old policy and take out a new one for your new property.

6. Employer, ZUS and mObywatel

• HR department: Your employer needs to know your current address in order to send tax forms and ZUS filings correctly.
• GP (primary care clinic): If you're moving to another city, it's worth registering with a new GP straight away by submitting a declaration through your Online Patient Account (Internetowe Konto Pacjenta, IKP), so that you don't have to look for help in a panic when you fall ill.
• mObywatel: Remember that you can check your details in the app in no time and make sure the system has recorded the change once you've registered your residence (meldunek) at your new address.