License Features
1. Year of Licensing: 2022
2. Expiration Date: No expiry if maintained in good standing
3. Activity Status: No operations, clean history with no transactions
4. Bank Account Status: No existing bank account
5. Number of Director(s): 1
6. Number of Shareholder(s): 1
7. Regulatory Compliance: Fully compliant, no outstanding liabilities
8. Opportunity for Growth: Ideal for launching payment services in Poland with potential to scale across the EU through license passporting (subject to API upgrade)
90,000 EUR
A Small Payment Institution (SPI) allows businesses to offer payment services within Poland under simplified regulatory requirements, without the need for significant capital commitments. This ready-made SPI is clean, with no business history, and provides an efficient opportunity for entrepreneurs looking to establish a foothold in Poland’s growing financial services sector.
- Keeping and operating payment accounts (e.g., storing client funds, cash withdrawals)
- Wire transfers and payment transfers (including payment cards, BLIK, mobile apps)
- Direct debit execution
- Issuance of payment instruments (cards, apps, BLIK)
- Acquiring services (merchant acceptance of payments)
- Money remittance (domestic and cross-border)
- Good for Startups and Small Businesses: Easy entry into the Polish market with fewer regulatory requirements.
- Low Initial Cost: No minimum capital requirement for most SPI registrations, making it affordable for new businesses to enter the payment services sector.
- EU Recognition: Poland’s regulatory reputation adds credibility for future EU expansion.
- No Local Staff Required Post-Sale: Flexible structuring options for director and compliance roles.
- Scalability: Easy upgrade to API status when expanding services across the EU.
- Polish Registered Office: Required for license maintenance
- Personnel: Director with a clean criminal record; AML Officer mandatory
- Internal Policies: AML, KYC, risk management, operational procedures in place
- Business Model Disclosure: Any changes to services post-acquisition must be reported to KNF
- Reporting: Ongoing compliance obligations to KNF, including transaction reporting and audits
Step 1: Data Collection
Step 2: Submit Deposit
Step 3: Receive Company Documents for Due Diligence
Step 4: Submit Remaining Payment
Step 5: Changing of Company Name
Step 6: Changing of Directors & UBO
1. Documentation & Process Management
End-to-end handling of transfer documentation and filings.
2. Local Representation & Compliance Setup
Provision of registered address, AML Officer, and director (if needed).
3. Bank Account Assistance
Guidance on opening corporate bank accounts, including crypto-friendly options if applicable.
4. Post-Sale Maintenance
Support for regulatory reporting, license upkeep, and compliance reviews to ensure long-term business continuity.
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