In Polish: Sprzedaż wiązana
This is the word you will see in bank documents.
Definition
Tying (sprzedaż wiązana) means offering a loan only together with another product, when the loan cannot be obtained without that product. The Polish Mortgage Credit Act (Article 9) prohibits it, with exceptions described in the Act. Bundling (sprzedaż łączona) is allowed: the loan is also available separately and the package gives better terms.
What it means for you
The bank cannot force you to open an account with your salary paid in or to buy life insurance in order to get a mortgage. It can, however, offer better terms if you choose those products. If the bank makes the loan conditional on a product the Act does not allow, you can file a complaint and turn to the Financial Ombudsman (Rzecznik Finansowy) or the competition and consumer authority (UOKiK).
Full entry in Polish, with a worked example and sources
Frequently asked questions
Is tying legal?
Not for a mortgage. The Mortgage Credit Act prohibits making the loan conditional on buying another product, except e.g. a free account for servicing the loan and insurance you may buy from any insurer.
What is the difference between tying and bundling?
With tying, the loan cannot be obtained without another product. With bundling, the loan is also available separately and the package gives better terms. Bundling is allowed.
Where can I report tying?
First file a complaint with the bank. Then you can turn to the Financial Ombudsman, and report practices affecting many customers to UOKiK.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. 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 “Loan agreement and borrower rights”