Fintech licensing in Poland
In Poland, fintech and crypto licences are issued by the Polish Financial Supervision Authority (KNF). The Atlas covers 11 licence types there, in 7 families: bank, crypto-asset service provider (MiCA), electronic money institution, fund manager, investment firm, lending and payment institution. Because Poland is in the EU/EEA, passportable licences issued there can be extended to the other member states by notification. Crypto-asset service providers are authorised under MiCA. Each licence page lists its legal basis, fees and decision period with sources.
Financial regulators in Poland
Fintech licences available in Poland
Bank / credit institution
Crypto-asset service provider (MiCA CASP)
Electronic money institution (EMI)
Fund manager
- FM · Poland
Investment Fund Company licence (towarzystwo funduszy inwestycyjnych - TFI)
KNF
- FM · Poland
Alternative Investment Company Manager registration / licence (zarządzający alternatywną spółką inwestycyjną - ZASI)
KNF
Investment firm / broker-dealer
Lending / consumer credit
- Credit · Poland
Crowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego)
KNF
- Credit · Poland
Lending Institution registration (instytucja pożyczkowa - RIP)
KNF
Payment institution (PI)
- PI · Poland
Account Information Service Provider registration (dostawca świadczący wyłącznie usługę dostępu do informacji o rachunku - AISP)
KNF
- PI · Poland
National Payment Institution licence (krajowa instytucja płatnicza - KIP)
KNF
- PI · Poland
Small Payment Institution registration (mała instytucja płatnicza - MIP)
KNF
Path to market
Start by mapping the activities you plan to offer onto the licence types above; the activity pages show which licence permits each one. KNF offers pre-application meetings, an innovation hub and a regulatory sandbox; the regulator page explains how to use them. The application goes to KNF, together with the capital, governance and AML documentation the licence page lists. Once authorised, an EU/EEA licence can be extended to other member states by passport notification rather than a new licence.
Getting licensed in Poland
Protegra handles licensing in Poland end to end: CASP licensing in Poland.
Need this licence, or a different one?
Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.
A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.