Lending / consumer credit · Poland

Lending Institution registration (Poland)

The Lending Institution registration (instytucja pożyczkowa - RIP) is issued by Polish Financial Supervision Authority (KNF) under Act on Consumer Credit of 12 May 2011. It is a national licence: it does not give a passport to other EU/EEA states. The application fee is PLN 616. Ownership changes need the regulator's approval before completion.

Last verified 2026-09-24Regulator KNFMarkdown · Data (CC BY 4.0)

At a glance

Official name	Lending Institution registration¹
Local name	instytucja pożyczkowa - RIP
Also known as	RIP · instytucja pożyczkowa · Polish loan institution registration · Polish lending institution registration
Issued by	Polish Financial Supervision Authority
Jurisdiction	Poland
Licence family	Lending / consumer credit
Legal basis	Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers² Act on Consumer Credit of 12 May 2011³ Act on Crowdfunding for Business Ventures and Aid to Borrowers of 7 July 2022⁴ Regulation (EU) 2020/1503 on European crowdfunding service providers for business⁵
Passporting	Domestic only
Application fee	PLN 616¹

What it lets you do

Lending	Granting loans, including consumer credit, mortgage credit, factoring and financing of commercial transactions.
Consumer credit	Granting or promising credit to consumers, including buy-now-pay-later, subject to consumer protection rules on information, creditworthiness and withdrawal.

Where it is valid

Valid in Poland.

Cost

Regulatory costs from the official sources above. Professional fees, staff, office and audit come on top and depend on the business model.

Buying a company that already holds it

Prior notification with an objection period. Acquiring or increasing a qualifying holding needs prior notification to the KNF, which can object within 60 working days (extendable by up to 20 working days while it waits for information). For national payment institutions the thresholds are 20%, 30% and 50% (Payment Services Act, Art. 72a); for banks they are 10%, 20%, one third and 50% (Banking Law, Art. 25). Shares acquired in breach carry no voting rights.⁶

Credit in other countries

Country	Licence	Regulator	Min. capital	Application fee	Statutory time
Australia	Australian credit licence (ACL)	ASIC	n/a	n/a	n/a
Cyprus	European Crowdfunding Service Provider authorisation	CySEC	n/a	n/a	n/a
Czech Republic	Non-bank Consumer Credit Provider licence	CNB	n/a	CZK 50,000	n/a
Czech Republic	Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR	CNB	n/a	CZK 20,000	~3 mo
Estonia	Operating licence as a credit servicer	FI	n/a	n/a	n/a
Estonia	Operating licence as a creditor	FI	n/a	n/a	n/a
Estonia	Authorisation as a crowdfunding service providerAuthorisation as a crowdfunding service provider under ECSPR	FI	n/a	n/a	n/a
Estonia	Authorisation for operating as a financial institution	FIU	n/a	EUR 3,300	~2.8 mo
Estonia	Operating licence as a credit intermediary	FI	n/a	n/a	n/a
France	European crowdfunding service provider authorization	AMF	n/a	n/a	~3 mo
Ireland	Crowdfunding Service Provider Authorisation (ECSPR)	CBI	n/a	n/a	n/a
Italy	European crowdfunding service provider authorization (ECSPR)	CONSOB	n/a	n/a	~3 mo
Latvia	Crowdfunding service provider authorization	LB	n/a	n/a	n/a
Lithuania	Crowdfunding service provider authorization	LB	n/a	n/a	n/a
Lithuania	Peer-to-peer lending platform operator	LB	n/a	n/a	n/a
Luxembourg	Crowdfunding service provider authorisation	CSSF	n/a	EUR 30,000	n/a
Netherlands	European Crowdfunding Service Provider (ECSPR) authorisationEuropean Crowdfunding Service Provider (ECSPR) authorisation under Regulation (EU) 2020/1503	AFM	n/a	EUR 200	~4.2 mo
Poland	Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR	KNF	n/a	n/a	n/a
Poland	Lending Institution registration	KNF	n/a	PLN 616	n/a
Slovakia	Crowdfunding service provider authorisationCrowdfunding service provider authorisation under ECSPR	NBS	n/a	n/a	n/a
Spain	European crowdfunding service provider authorization	CNMV	n/a	n/a	n/a
Spain	Specialized lending credit institution authorization	BdE	n/a	n/a	n/a
United Kingdom	Consumer Credit Full Permission Authorisation (Part 4A FSMA)	FCA	n/a	n/a	n/a

Values come from each licence's page, where every figure has its source.

Laws behind it

Consumer Credit Directive (CCD2): Directive (EU) 2023/2225
European Crowdfunding Service Providers Regulation: Regulation (EU) 2020/1503

Last verified 2026-09-24Author Danil Marmysh, Founder & CEO, ProtegraReviewed by Anastasia Sidorenkova, Head of Licensing, ProtegraReport an errorReference information, not legal advice.

Sources

rpkip.knf.gov.pl · retrieved 2026-09-24
EUR-Lex: oj · retrieved 2026-09-24
dziennikustaw.gov.pl: 1028 · retrieved 2026-09-24
dziennikustaw.gov.pl: 414 · retrieved 2026-09-24
EUR-Lex: CELEX 32020R1503 · retrieved 2026-09-24
knf.gov.pl: zezwolenie rozpatrywanie wniosku · retrieved 2026-09-24

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