Where to claim a Lotto win

From what amount do you have to go to a branch?

Wins up to PLN 2,280 are paid out at an outlet, though a single point of sale may be limited by its current cash on hand and, for a few thousand zloty, may ask you to come back the next day. Above PLN 2,280, payment is handled only by a Totalizator Sportowy branch. For wins running into hundreds of thousands of zloty, call ahead and arrange an appointment — the branch will prepare the paperwork and the visit will take a few minutes instead of a few hours.

Source: Totalizator Sportowy's number-game rules, lotto.pl. As of 12.09.2026. Thresholds are changed from time to time — check the current rules of your game before you go.

What should you bring to claim a win?

The original, undamaged ticket or a confirmation of the bet from a Lotto account, and a photo ID document — an identity card or passport. If you want the payout by transfer, bring your bank account number. A ticket is a bearer document: whoever holds it collects the win. A photo, a scan or a copy have no value at all, and a torn or washed ticket may be rejected.

How much time do you have to claim a win?

Three years from the draw date. After that the claim to payment expires, the ticket becomes invalid, and the money goes to the prize fund. The deadline is fixed and does not depend on the reason for the delay — illness, travel or a lost ticket do not extend it.

Source: Totalizator Sportowy's number-game rules. As of 12.09.2026.

How does the tax on winnings work?

Wins up to PLN 2,280 are tax-exempt. Above that amount, a flat 10% income tax is withheld — on the whole win, not just on the amount above the threshold. The tax is withheld by Totalizator Sportowy at payout, so you receive the amount already net of tax and you do not report it in your annual tax return.

Source: the Polish Personal Income Tax Act, art. 21 and art. 30(1)(2). Legal status as of 12.09.2026. Tax rules change — if in doubt, ask at the branch.

Do you have to go in person?

Yes. A win at a branch is collected in person, with an ID document. Someone else can do it on your behalf only with a power of attorney bearing a notarially certified signature — a plain signed note is not enough. Wins from bets placed through a Lotto account are credited to the player's account automatically, without a branch visit.