An fassara wannan shafi da na'ura daga Ingilishi kuma ba a duba shi ta wani mai fassara ba. Waɗannan kalmomi na doka da dokoki za su iya zama marasa daidaito. Fassarar Ingilishi ce mafi inganci. Ka karanta wannan shafi cikin Ingilishi
Poland shine mafi girman kasuwa na kudi a Turai ta Tsakiya da Gabas, a waje da yankin euro, tare da mai kulawa guda ɗaya (KNF) wanda ke ba da izinin bankuna, biyan kuɗi da kuma cibiyoyin e-dalar Amurka da gidajen brokerage. Yana da manyan biyan kuɗi na gida da masana'antar fintech, amma tun daga Oktoba 2026 har yanzu bai sanya sunan wani hukumomin da suka dace na kasa ba a karkashin MiCA bayan sake yin watsi da shugabancin dokokin kasuwannin crypto-asset.
Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes6
Kudin kudiPLN
S&P ratingA-
Zaben gabada aka biya cikin 2027
Ba a kan FATF grey or black list (June 2026 plenary, 17 to 19 June 2026); as an EU Member State it cannot appear on the EU high-risk third-country list (Delegated Regulation (EU) 2016/1675, last amended by Delegated Regulation (EU) 2026/46) or on the EU tax list (Annex I, revised 17 February 2026). Checked 7 October 2026.
Gwamnati da siyasa
Gwamnati
Parliamentary republic
Gwamna
Karol Nawrocki · since August 2025
Prime Minister
Donald Tusk (Civic Coalition)
Jam'iyyun siyasa
Citizen Coalition (KO), Polish People's Party (PSL), Poland 2050, Centrum (breakaway from Poland 2050), The Left (Lewica)
Zabe na ƙarshe
Shugaban kasa (na biyu), 1 ga Yuni, 2025
Zaben gaba
Parliamentary (Sejm da Senato), da aka biya ta 2027. An sa ran a cikin hunturu na 2027.
Legislature
Majalisar dokoki: Sejm (460) da Senata (100)
Sistema Legal
Tsarin shari'ar al'umma; hukuncin Kotun Koli kan doka ta kundin tsarin mulki na karshe
S&P A- (stable) · Moody's A3 (stable) · Fitch A- (negative) (as of September 2026)
Mafi girman tattalin arziki na EU a waje da yankin euro, wani daban-daban masana'antu da sabis na tushe ya danganta sosai ga layin samarwa na Jamus, tare da babban bangaren banki na gida wanda aka kula da shi ta Polish Financial Supervision Authority (KNF).
Banki
Izini na kafa banki da kuma izinin fara aiki (lisensi na banki mai matakai biyu)
Minimum capitalUSD 5.6m
Layin lokaciBa a samu wani lokaci na karshe na Poland ba a shafukan KNF; CRD art. 15 yana buƙatar yanke shawara cikin watanni 6 na shigarwa kuma a kowane hali cikin watanni 12
AuthorityKNF (Poland tana waje da yankin Yuro kuma SSM)
Kashi na farko ba ya kasa da PLN miliyan 5 (rubutun 32(1)); Euro miliyan 1 ga bankuna masu hadin gwiwa suna shiga wani banki mai alaƙa
Dokar
Banking Law of 29 August 1997 (consolidated text Dz.U. 2026 poz. 38), arts. 30a, 32, 36 and 37
Passporting
Yes. EU/EEA passport under CRD.
Buƙatun Maɓalli
KNF ta ba da izini biyu daban-daban: don kafa banki, sa'an nan kuma don fara aiki
Bankuna masu hadin gwiwa suna bukatar aƙalla masu kafa 3 sai dai idan mai kafa shi ne wani banki, wata cibiyar bashi, mai inshorar lafiya ko wata cibiyar kudi ta duniya
Kashi na farko da aka biya a cikin kudi a PLN zuwa wani banki na gida, ba daga bashi ko wuraren da ba a bayyana su ba; gudummawar in-nature ta kai kashi 15%
Reputation da kudi na masu kafa, kwarewa na gudanarwa, amintaccen shirin kasuwanci
Aiki ya kamata ya fara cikin shekara daya ko kuma izinin samarwa zai ƙare
Authorisation as a domestic payment institution (krajowa instytucja płatnicza, KIP); registration as a small payment institution (mała instytucja płatnicza, MIP)
Minimum capitalUSD 140k
Layin lokaciKNF ta yanke hukunci cikin watanni 3 na karɓar aikace-aikacen cikakke (sashe na 62(2))
Na'am ga KIP a ƙasan PSD2; ba ga MIP (na gida kawai).
Buƙatun Maɓalli
Plan na kasuwanci da kuma hasashen kudi na shekaru uku aƙalla
Kashi da ba'a biya ba ta hanyar bashi ko daga wuraren da ba'a bayyana su ba
Manajan haɗari, kulawa ta cikin gida da tsarin AML/CFT; kiyayewa a karkashin sashe na 78
Inshorar indemnity ko tabbaci ga masu bayar da PIS da AIS
MIP: adadin biyan kuɗin wata a cikin watanni 12 da suka gabata ba zai iya wuce Euro miliyan 1.5 ba (art. 117f(3)); adadin kowane mai amfani ya kai EUR 2,000
Mai ba da sabis na crypto-asset ya amince a karkashin MiCA (ba'a samu ba a Poland)
Minimum capitalUSD 56k
Layin lokaciBa a wallafa ba
AuthorityBa'a lissafa ba. KNF na fitowa a cikin ESMA's list of competent authorities tare da wata gargaɗi cewa ba'a lissafa ta ba; tana da iko kawai ga masu fitarwa na e-money token.
MiCA Annex IV: EUR 50,000 (class 1), EUR 125,000 (class 2), EUR 150,000 (class 3), once a Polish authority can grant authorisations
Dokar
Regulation (EU) 2023/1114 (MiCA), art. 63; no Polish implementing act in force
Passporting
Masu shigowa da fasfo zuwa Poland suna aiki; kamfanonin Polish ba za su iya samun izinin MiCA a gida ba.
Buƙatun Maɓalli
Ba za a iya fara wani tsari na izinin Polish ba har sai doka ta tantance wata hukuma mai iko (KNF position)
Tun daga 1 ga watan Yuli na shekarar 2026, kamfanonin gida, musamman waɗanda ke cikin rajistar kudi ta zahiri da aka riƙe ta Hukumar Kula da Kudin Kasa a Katowice, ba za su iya dogara da tsarin MiCA na canji ba
CASPs da aka amince a cikin wani Tarayyar Tarayya na iya ba da sabis ga abokan cinikin Poland ta hanyar iyaka a ƙarƙashin MiCA art. 65
Izini don gudanar da ayyukan brokerage a matsayin gidan brokerage (dom maklerski)
Minimum capitalUSD 168k
Layin lokaciMiFID II art. 7(3): shawara cikin watanni 6 na shigarwa; ba a tabbatar da lokacin ƙarshe na Poland-specific ba
AuthorityKNF
PLN daidai da EUR 150,000 standard; EUR 75,000 idan babu mallakar dukiyar mai amfani ko aikin asusun kanka a ƙarƙashin art. 69(2)(8) ko (4)(1); EUR 750,000 don ayyukan a ƙarƙashin art. 69(2)(3), (7) ko (9) (art. 98)
Dokar
Act on Trading in Financial Instruments of 29 July 2005 (consolidated text Dz.U. 2024 poz. 722), arts. 69 and 98
Passporting
MiFID II passport; EU companies enter Poland on their home authorization (art. 117).
Buƙatun Maɓalli
Aiki na cinikayya yana bukatar izinin KNF (sashe na 69)
Kashi na farko da aka tsara bisa ga IFR art. 9 (art. 97)
An gabatar da shirin dawowa cikin watanni 6 na fara aikin (art. 110zk)
Daidaitacce da daidaitacce gudanarwa da kwarewa shareholders
Permission to organise mutual betting, including online
Minimum capitalUSD 511k
Layin lokaciBa a wallafa ba
AuthorityMinistan Kudi
Kashi na hannun jari aƙalla PLN 2,000,000 ga wani kamfani mai sakawa (aikace 10(1)(2))
Dokar
Gambling Act of 19 November 2009 (consolidated text Dz.U. 2025 poz. 595), arts. 5, 6(3), 7a, 10, 32(2) and 49(2)
Passporting
Bã a daidaita caca ba a matakin EU.
Buƙatun Maɓalli
A kan layi kawai za a iya ba da kyautar (da lottery na tallace-tallace) ta hanyar masu gudanarwa na musamman; duk sauran wasannin caca na yanar gizo, gami da wasannin gidan caca na yanar gizo, shine mallakar gwamnati (art. 5(1b)).
Joint-stock ko limited liability company da ke zaune a Poland, ko kuma wata EU/EFTA-EEA company da ke aiki ta hanyar dokoki a cikin art. 7a
Taron kulawa ya buƙata; babu rabon fifiko; rabon rajista kawai ga kamfanonin haɗin gwiwa
Komisja Nadzoru Finansowego (Polish Financial Supervision Authority) (KNF) · websitebanks, E-money institutions, Payment service providers, Investment firms
Ma’aikatar Kudi (hanyoyi na caca)(MF) · web siteOnline gaming
MiCA: ESMA's list (May 2026 version) records a 6 month grandfathering period for Poland, but Poland never enacted the law needed to shorten it or to designate a competent authority. The UKNF position states that domestic virtual currency firms could continue under national law until 1 July 2026 and lost that possibility afterwards; no Polish MiCA authorization can be applied for until a competent authority is designated by statute. The President vetoed the crypto-asset market act on 12 February 2026 (print 2064; Sejm failed to override on 17 April 2026) and the act of 15 May 2026 on 11 June 2026 (Sejm failed to override on 4 September 2026). Bank licensing fees, EMI authorisation fee, brokerage fees and gambling permit fees were not found on official pages opened and are null. Sums in EUR are converted to PLN at the NBP average rate on the decision date.
Bayanai na Gabaɗaya
About Poland
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
City in Poland
Area
312,685 km²
Yarukan hukuma
Polish
Yana da Lokaci
UTC+01:00 (UTC+02:00 a lokacin hunturu)
Main exports
Dabaru da kayan haɗi
Baturi na lantarki
Productan Plastica
Motoci
Sites
Business and IT services
Main export partners
Jamus
United Kingdom
Czechia
France
Italy
Sources for the country information(10)
Bayanin ƙasar da aka bincika 9 Oktoba 2026. Bayanan lasisi an sabunta su 7 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; bukatun sun canja. Labari na dokoki.
