{"id":31310,"date":"2025-11-20T13:56:58","date_gmt":"2025-11-20T12:56:58","guid":{"rendered":"https:\/\/nect.com\/media\/bez-kategorii\/smurfing-co-kryje-sie-za-ta-metoda-prania-pieniedzy\/"},"modified":"2026-10-27T20:27:18","modified_gmt":"2026-10-27T19:27:18","slug":"smurfing-co-kryje-sie-za-ta-metoda-prania-pieniedzy","status":"publish","type":"post","link":"https:\/\/nect.com\/pl\/media\/blog\/smurfing-co-kryje-sie-za-ta-metoda-prania-pieniedzy\/","title":{"rendered":"Smurfing: Co kryje si\u0119 za t\u0105 metod\u0105 prania pieni\u0119dzy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31310\" class=\"elementor elementor-31310 elementor-29649\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c2fb46 e-flex e-con-boxed e-con e-parent\" data-id=\"1c2fb46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86479a7 elementor-widget elementor-widget-text-editor\" data-id=\"86479a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPranie pieni\u0119dzy to powa\u017cne przest\u0119pstwo, kt\u00f3re ma ogromny wp\u0142yw na spo\u0142ecze\u0144stwo i gospodark\u0119. Istniej\u0105 r\u00f3\u017cne metody prania pieni\u0119dzy, w tym smurfing oraz wykorzystywanie tzw. mu\u0142\u00f3w finansowych (Money Mule). W niniejszym artykule przyjrzymy si\u0119 bli\u017cej tym metodom i om\u00f3wimy \u015brodki podejmowane w celu zwalczania procederu prania pieni\u0119dzy.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7ebd0fe e-con-full e-flex e-con e-child\" data-id=\"7ebd0fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f6b399 elementor-widget elementor-widget-heading\" data-id=\"2f6b399\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Najwa\u017cniejsze w skr\u00f3cie<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06ec0d elementor-widget elementor-widget-text-editor\" data-id=\"e06ec0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>W przypadku smurfingu nielegalne fundusze s\u0105 dzielone na ma\u0142e, pozornie legalne transakcje.<\/li><li>Przest\u0119pcy cz\u0119sto wykorzystuj\u0105 s\u0142upy lub wsp\u00f3lnik\u00f3w do wyp\u0142aty got\u00f3wki lub przeprowadzania transakcji.<\/li><li>Smurfing musi by\u0107 zg\u0142aszany do jednostki analityki finansowej <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unit (FIU)<\/a>.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6da5b8 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"f6da5b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tSpis tre\u015bci\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f6da5b8\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f6da5b8\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__f6da5b8\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a34f1f e-con-full e-flex e-con e-child\" data-id=\"0a34f1f\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e07d0b elementor-widget elementor-widget-spacer\" data-id=\"6e07d0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7439503 elementor-widget elementor-widget-heading\" data-id=\"7439503\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Definicja: Czym jest smurfing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9c3a6 elementor-widget elementor-widget-text-editor\" data-id=\"5a9c3a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfing, znany r\u00f3wnie\u017c jako rozdrabnianie transakcji, to powszechnie stosowana metoda prania pieni\u0119dzy. W ramach tej nielegalnej praktyki znaczna ilo\u015b\u0107 nielegalnych funduszy jest dzielona na mniejsze, pozornie legalne transakcje. Przest\u0119pcy rozbijaj\u0105 kwoty na mniejsze cz\u0119\u015bci i wykonuj\u0105 liczne operacje, aby unikn\u0105\u0107 wzbudzenia podejrze\u0144 organ\u00f3w \u015bcigania. Termin \u201esmurfing\u201d wywodzi si\u0119 od Smerf\u00f3w \u2013 fikcyjnych niebieskich istot \u017cyj\u0105cych w du\u017cej spo\u0142eczno\u015bci sk\u0142adaj\u0105cej si\u0119 z wielu ma\u0142ych osobnik\u00f3w, co stanowi analogi\u0119 do wielu ma\u0142ych kwot tworz\u0105cych poka\u017an\u0105 sum\u0119.   \n\nPraktyka ta znajduje zastosowanie przede wszystkim przy kwotach powy\u017cej 15 000 euro, poniewa\u017c od wp\u0142at w tej wysoko\u015bci przepisy ustawowe nak\u0142adaj\u0105 obowi\u0105zek identyfikacji wp\u0142acaj\u0105cego oraz przechowywania danych o transakcji przez okres pi\u0119ciu lat. Smurfing stanowi kluczowy proces w praniu pieni\u0119dzy, szczeg\u00f3lnie w pierwszej z trzech faz tego nielegalnego procederu. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-998cd94 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"998cd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57a4d50 elementor-widget elementor-widget-heading\" data-id=\"57a4d50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tak dzia\u0142a smurfing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d8526 elementor-widget elementor-widget-text-editor\" data-id=\"e4d8526\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfing opiera si\u0119 na za\u0142o\u017ceniu, \u017ce dzielenie wi\u0119kszych sum pieni\u0119dzy na mniejsze kwoty przyci\u0105ga mniej uwagi. Przest\u0119pcy cz\u0119sto wykorzystuj\u0105 s\u0142upy lub wsp\u00f3lnik\u00f3w do wyp\u0142aty pieni\u0119dzy lub realizacji transakcji. Wsp\u00f3lnicy ci s\u0105 cz\u0119sto okre\u015blani mianem \u201esmerf\u00f3w\u201d (smurfs), poniewa\u017c przeprowadzaj\u0105 ma\u0142e, niebudz\u0105ce podejrze\u0144 transakcje w celu wyprania nielegalnych pieni\u0119dzy.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45eeda9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"45eeda9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-325af0e elementor-widget elementor-widget-image\" data-id=\"325af0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg\" class=\"attachment-large size-large wp-image-31312\" alt=\"Spotkanie dotycz\u0105ce wp\u0142ywu smurfingu z laptopem wy\u015bwietlaj\u0105cym wykres danych\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/auswirkung-von-smurfing-laptop-mit-graphen.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cbb86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"e9cbb86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1cea15 elementor-widget elementor-widget-heading\" data-id=\"c1cea15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wp\u0142yw smurfingu na gospodark\u0119<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1676906 elementor-widget elementor-widget-text-editor\" data-id=\"1676906\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tSmurfing ma negatywny wp\u0142yw na gospodark\u0119, poniewa\u017c przyczynia si\u0119 do finansowania nielegalnej dzia\u0142alno\u015bci i os\u0142abia legalny obr\u00f3t gospodarczy. Wykorzystywanie ma\u0142ych, pozornie legitymowanych transakcji do prania pieni\u0119dzy uniemo\u017cliwia wykrywanie i zwalczanie aktywno\u015bci przest\u0119pczej.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f401d05 elementor-widget elementor-widget-heading\" data-id=\"f401d05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Zniekszta\u0142cenie aktywno\u015bci gospodarczej<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08354ac elementor-widget elementor-widget-text-editor\" data-id=\"08354ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPoprzez podzia\u0142 du\u017cych sum pieni\u0119dzy na mniejsze kwoty, nielegalne pochodzenie \u015brodk\u00f3w zostaje zamaskowane, co utrudnia prze\u015bledzenie ich dok\u0142adnego \u017ar\u00f3d\u0142a. Prowadzi to do zniekszta\u0142cenia aktywno\u015bci gospodarczej i mo\u017ce skutkowa\u0107 b\u0142\u0119dn\u0105 alokacj\u0105 zasob\u00f3w. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57cc8e8 elementor-widget elementor-widget-heading\" data-id=\"57cc8e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Utrata dochod\u00f3w podatkowych<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc38b0c elementor-widget elementor-widget-text-editor\" data-id=\"dc38b0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPonadto organom podatkowym trudno jest ustali\u0107 rzeczywiste dochody i pobra\u0107 nale\u017cne podatki. Skutkuje to utrat\u0105 wp\u0142yw\u00f3w do bud\u017cetu pa\u0144stwa, co w ostatecznym rozrachunku obci\u0105\u017ca ca\u0142e spo\u0142ecze\u0144stwo. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe20bf5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"fe20bf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a87a4c0 elementor-widget elementor-widget-heading\" data-id=\"a87a4c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wzmocnienie przest\u0119pczo\u015bci zorganizowanej<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b71d9ac elementor-widget elementor-widget-text-editor\" data-id=\"b71d9ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tKolejnym aspektem, kt\u00f3ry nale\u017cy uwzgl\u0119dni\u0107 przy smurfingu, jest powi\u0105zanie z innymi nielegalnymi dzia\u0142aniami. Cz\u0119sto pieni\u0105dze prane poprzez smurfing pochodz\u0105 z nielegalnych \u017ar\u00f3de\u0142, takich jak handel narkotykami, handel lud\u017ami czy inne aktywno\u015bci przest\u0119pcze. Wspieraj\u0105c te dzia\u0142ania, smurfing przyczynia si\u0119 do wzmocnienia przest\u0119pczo\u015bci zorganizowanej i mo\u017ce prowadzi\u0107 do wzrostu przemocy oraz poczucia braku bezpiecze\u0144stwa w spo\u0142ecze\u0144stwie.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffd1738 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"ffd1738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1fbb060 e-con-full e-flex e-con e-child\" data-id=\"1fbb060\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f0135f elementor-widget elementor-widget-heading\" data-id=\"7f0135f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Jak pomaga Nect?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b49346 elementor-widget elementor-widget-text-editor\" data-id=\"5b49346\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tPrzyspiesz swoje procesy compliance bez wysi\u0142ku i w spos\u00f3b bezpieczny pod wzgl\u0119dem prawnym: Odkryj Nect, sprawdzon\u0105 platform\u0119 dla <b>prawnik\u00f3w, doradc\u00f3w podatkowych, notariuszy, bieg\u0142ych rewident\u00f3w i po\u015brednik\u00f3w nieruchomo\u015bci<\/b>. Wy\u015blij do nas zapytanie i zyskaj dost\u0119p do wydajnych, bezpiecznych i komfortowych rozwi\u0105za\u0144 dla swoich klient\u00f3w \u2013 postaw na wyb\u00f3r, kt\u00f3remu zaufa\u0142o ju\u017c wiele renomowanych kancelarii. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17e2d8b elementor-widget elementor-widget-image\" data-id=\"17e2d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"520\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg\" class=\"attachment-large size-large wp-image-31099\" alt=\"Przegl\u0105darka z ocen\u0105 ryzyka KYB KYC\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-1024x665.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-300x195.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung-768x499.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2025\/11\/browser-risikobewertung.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9bfb48 elementor-widget elementor-widget-button\" data-id=\"d9bfb48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MjgyNjcsInRvZ2dsZSI6ZmFsc2V9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Um\u00f3w prezentacj\u0119<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-859b86f elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"859b86f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6d6674 elementor-widget elementor-widget-heading\" data-id=\"a6d6674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Od kiedy wp\u0142aty got\u00f3wkowe i przelewy zaliczaj\u0105 si\u0119 do kategorii smurfingu?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f43f2 elementor-widget elementor-widget-text-editor\" data-id=\"80f43f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Smurfing mo\u017ce zosta\u0107 <b>wykryty<\/b> poprzez zwr\u00f3cenie uwagi na powtarzaj\u0105ce si\u0119, nietypowo ma\u0142e wp\u0142aty got\u00f3wkowe lub przelewy, kt\u00f3re nast\u0119puj\u0105 w kr\u00f3tkich odst\u0119pach czasu. Kolejn\u0105 poszlak\u0105 mog\u0105 by\u0107 pozornie niezwi\u0105zane ze sob\u0105 osoby, kt\u00f3re przeprowadzaj\u0105 podobne transakcje. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a0131a9 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a0131a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c042375 e-con-full e-flex e-con e-child\" data-id=\"c042375\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c10382 elementor-widget elementor-widget-heading\" data-id=\"0c10382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Co nale\u017cy zrobi\u0107 w przypadku wykrycia smurfingu?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9485a2e elementor-widget elementor-widget-text-editor\" data-id=\"9485a2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Je\u015bli zachodzi podejrzenie smurfingu, nale\u017cy natychmiast zg\u0142osi\u0107 spraw\u0119 do <a href=\"https:\/\/www.zoll.de\/DE\/FIU\/fiu_node.html\" target=\"_blank\" rel=\"noopener\">Financial Intelligence Unit (FIU)<\/a>. Przekazywanie danych odbywa si\u0119 cyfrowo za po\u015brednictwem platformy online \u201e<a href=\"https:\/\/goaml.fiu.bund.de\/Home\" target=\"_blank\" rel=\"noopener\">goAML<\/a>\u201d. Nie nale\u017cy prowadzi\u0107 dochodzenia na w\u0142asn\u0105 r\u0119k\u0119, poniewa\u017c mog\u0142oby to ostrzec osoby pior\u0105ce pieni\u0105dze i utrudni\u0107 zabezpieczenie dowod\u00f3w.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bba1fa6 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"bba1fa6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f89663 elementor-widget elementor-widget-heading\" data-id=\"1f89663\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zwalczanie prania pieni\u0119dzy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f855aa elementor-widget elementor-widget-text-editor\" data-id=\"2f855aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAby skutecznie zwalcza\u0107 smurfing, niezb\u0119dna jest \u015bcis\u0142a wsp\u00f3\u0142praca mi\u0119dzy organami \u015bcigania, instytucjami finansowymi i innymi istotnymi podmiotami, a tak\u017ce usprawniony monitoring i wykrywanie podejrzanych transakcji. Ponadto wa\u017cne jest podnoszenie \u015bwiadomo\u015bci na temat ryzyka i skutk\u00f3w smurfingu oraz edukowanie opinii publicznej o znaczeniu walki z praniem pieni\u0119dzy. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf9f7a elementor-widget elementor-widget-heading\" data-id=\"ebf9f7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u015arodki prawne przeciwko praniu pieni\u0119dzy<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1842da2 elementor-widget elementor-widget-text-editor\" data-id=\"1842da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>W Niemczech w 2017 roku ustawa o przeciwdzia\u0142aniu praniu pieni\u0119dzy zosta\u0142a dostosowana przez BaFin. Ustawa ta zapewnia, \u017ce instytucje finansowe identyfikuj\u0105 swoich klient\u00f3w, dokonuj\u0105 oceny ryzyka i zg\u0142aszaj\u0105 podejrzane transakcje \u2013 na przyk\u0142ad w formie smurfingu. Organy \u015bcigania posiadaj\u0105 r\u00f3wnie\u017c specjalne wydzia\u0142y zajmuj\u0105ce si\u0119 zwalczaniem prania pieni\u0119dzy.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e69a8 elementor-widget elementor-widget-heading\" data-id=\"24e69a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u015arodki prewencyjne dla instytucji finansowych<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84e2787 elementor-widget elementor-widget-text-editor\" data-id=\"84e2787\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Instytucje finansowe i inne podmioty zobowi\u0105zane na mocy ustawy o przeciwdzia\u0142aniu praniu pieni\u0119dzy (GwG) s\u0105 wezwane do podejmowania dzia\u0142a\u0144 prewencyjnych. Nale\u017c\u0105 do nich przeprowadzanie <a href=\"https:\/\/nect.com\/pl\/produkty\/kyc-kyb\/\" target=\"_blank\" rel=\"noopener\">weryfikacji klient\u00f3w<\/a>, monitorowanie transakcji (podejrzane przelewy, wp\u0142aty itp.), szkolenie pracownik\u00f3w w zakresie rozpoznawania podejrzanych aktywno\u015bci oraz wsp\u00f3\u0142praca z organami \u015bcigania. Instytucje finansowe musz\u0105 r\u00f3wnie\u017c wdra\u017ca\u0107 programy compliance i przeprowadza\u0107 regularne audyty, aby upewni\u0107 si\u0119, \u017ce spe\u0142niaj\u0105 wymogi prawne.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd74044 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"dd74044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bf637a elementor-widget elementor-widget-heading\" data-id=\"9bf637a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Money Mule: Inna metoda prania pieni\u0119dzy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac13db9 elementor-widget elementor-widget-text-editor\" data-id=\"ac13db9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMoney Mule (mu\u0142 finansowy) odnosi si\u0119 do os\u00f3b, kt\u00f3re udost\u0119pniaj\u0105 swoje konto bankowe w celu odbierania lub transferowania nielegalnych pieni\u0119dzy. Osoby te s\u0105 werbowane przez przest\u0119pc\u00f3w, cz\u0119sto pod fa\u0142szywymi obietnicami \u0142atwego zarobku. Mu\u0142y finansowe odgrywaj\u0105 kluczow\u0105 rol\u0119 w maskowaniu dzia\u0142a\u0144 przest\u0119pc\u00f3w zwi\u0105zanych z praniem pieni\u0119dzy.  \n\nOsoby pe\u0142ni\u0105ce rol\u0119 mu\u0142\u00f3w finansowych nara\u017caj\u0105 si\u0119 na ogromne ryzyko. W przypadku wykrycia ich dzia\u0142a\u0144 mog\u0105 zosta\u0107 poci\u0105gni\u0119te do odpowiedzialno\u015bci karnej za \u201epomocnictwo w praniu pieni\u0119dzy\u201d i narazi\u0107 si\u0119 na wieloletni\u0105 kar\u0119 pozbawienia wolno\u015bci. Co wi\u0119cej, ich przysz\u0142o\u015b\u0107 finansowa mo\u017ce zosta\u0107 powa\u017cnie naruszona, poniewa\u017c uwik\u0142anie w nielegalne procedery utrudnia otwarcie standardowego konta bankowego czy uzyskanie kredytu.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Smurfing to metoda prania pieni\u0119dzy, polegaj\u0105ca na dzieleniu du\u017cej ilo\u015bci nielegalnych \u015brodk\u00f3w na ma\u0142e, pozornie legalne transakcje.<\/p>\n","protected":false},"author":1,"featured_media":31311,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[798],"tags":[820,839,811],"class_list":["post-31310","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-regulacje","tag-security","tag-zgodnosc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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