In Polish: Cesja wierzytelności
This is the word you will see in bank documents.
Definition
An assignment (cesja, przelew wierzytelności) is an agreement in which a creditor, such as a bank, transfers the right to demand repayment to another entity. The debtor’s consent is not needed unless the law, the agreement or the nature of the obligation prevents it (Article 509 of the Polish Civil Code). The rights connected with the debt, including the claim for overdue interest, pass to the buyer.
What it means for you
An assignment does not change your loan terms: interest rate, margin, schedule or your rights. Only the party you pay changes. Until you receive notice of the assignment, an instalment paid to your existing bank is valid (Article 512). Against the new creditor you keep the defences you had against the bank when you learned of the assignment (Article 513).
Full entry in Polish, with a worked example and sources
Frequently asked questions
Can the bank sell my loan without my consent?
As a rule, yes: the debtor’s consent is not needed (Article 509 of the Civil Code). The exception is a prohibition in the agreement or in the law.
Will the interest rate change after an assignment?
No. The new creditor takes over the loan on the same terms. Changing them would require an annex you must agree to.
Whom do I pay after an assignment?
Until you receive notice of the assignment, pay as before. After notice, pay the new creditor to the account given in the notice, after confirming it with your bank.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Details
Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Repayment, overpayment and changes”