Fintech licensing in Poland
The Polish Financial Supervision Authority (KNF) issues fintech and crypto licences in Poland. The Atlas covers 11 licence types here. They sit in 7 families: bank, crypto-asset service provider (MiCA), electronic money institution, fund manager, investment firm, lending and payment institution. Poland is in the EU/EEA, so a passportable licence can be extended to other member states by notification. Crypto-asset service providers are authorised under MiCA. Each licence page sets out the legal basis and fees, plus the 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
KNF
- FM · Poland
Alternative Investment Company Manager registration / licence
KNF
Investment firm / broker-dealer
Lending / consumer credit
- Credit · Poland
Crowdfunding Service Provider authorization
Crowdfunding Service Provider authorization under ECSPRKNF
- Credit · Poland
Lending Institution registration
KNF
Payment institution (PI)
Path to market
Match your activities to the licence types above; the activity pages show which licence permits each one. KNF holds pre-application meetings and runs an innovation hub and a regulatory sandbox, and the regulator page explains how to use them. The application goes to KNF. It must include the capital and governance information and the AML file that the licence page requires. Once authorised, an EU/EEA licence can be extended to other member states by passport notification, without a new licence.
Getting licensed in Poland
Protegra handles licensing in Poland end to end: CASP license 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.