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SPI in Poland

A fast-track solution for launching a payment business in the European Union under the supervision of the Polish Financial Supervision Authority.

Key Features & Limits
  • Regulator: Polish Financial Supervision Authority (KNF)
  • Monthly Volume Limit: Up to €1.5M average per month
  • Client Account Cap: Max €2,000 balance per client
  • Scope: Local operational presence in Poland (no passporting)
  • Capital Requirements: No minimum initial capital required

Core Services & Advantages
  • Permitted Activities: Payment accounts, credit transfers, card acquiring, FX, and money remittance
  • Fast Launch: Quick registration timeline (~3 months) compared to full EMI/PI licenses
  • Scalability: Easy transition path to a full National Payment Institution (KIP) as business scales
  • Low Setup Costs: Minimal initial capital outlay and streamlined compliance requirements

Operational Setup
  • Standard Polish LLC (Sp. z o.o.) structure
  • Requires local AML/CFT policies and a designated MLRO
  • Must maintain safeguarding arrangements for client funds