Àwọn ààyè-iṣẹ́

Poòtì

Polandii jẹ ọja owo ti o tobi julọ ni Central ati Eastern Europe, ni ita agbegbe euro, pẹlu oludari kan (KNF) ti o gba awọn iwe-aṣẹ awọn banki, awọn ifowopamọ ati awọn ile-iṣẹ e-owo ati awọn ile-ifowopamọ. O ni awọn sisanwo orilẹ-ede nla ati aaye fintech, ṣugbọn bi Oṣu kọkanla ọdun 2026 ko si tun ṣe apejuwe ijọba orilẹ-ede to lagbara labẹ MiCA lẹhin awọn vetoes olori igbagbogbo ti ofin ọja crypto-asset.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nPLN

Àwọn ìṣàmúlò-ètòA-

Awọn idibo to n bọtòjú 2027

Kò ní pàtó nínú àtòjọ FATF àwọ̀ alawọ̀n tàbí alawọ́dáde (June 2026 plenary, 17 to 19 June 2026); gẹgẹbi orilẹ-ede ọmọ ẹgbẹ EU o ko le han lori atokọ orilẹ-ede kẹta ti o ni ibajẹ giga ti EU (Delegated Regulation (EU) 2016/1675, ti a yipada nipasẹ Delegated Regulation (EU) 2026/46) tabi lori atokọ owo-ori EU (Annex I, ti a ṣe atunyẹwo 17 February 2026). O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Republic of the Congo
Prezidanti: Karol Nawrocki · nípà Oṣù 2025
Prime Minister: Donald Tusk (Civic Coalition)
Àwọn ààyè-iṣẹ́: Civic Coalition (KO), Polish People's Party (PSL), Polandii 2050, Centrum (ipari si Polandii 2050), The Left (Lewica)
Awọn idibo to kẹhin: Igbakeji Aare (akoko keji), 1 Oṣù Kejìlá 2025
Awọn idibo to n bọ: Parliamentary (Sejm ati Senate), ti o yẹ nipasẹ 2027. Ti nireti ni igba ooru 2027.
Àwọn Ìṣàmúlò-ètò: Parliament: Sejm (460 seats) ati Senate (100 seats)
Siséèsì Ìjọba: Ajọṣepọ ofin sibẹsibẹ; awọn ipinnu ti Ile-ẹjọ Ipinle lori ofin ipinlẹ jẹ ipari.

Economics and finance

Awọn eniyan: 36.4m (2025)
Ìjánu-ìsún: $1tn (2025)
GDP fun ẹni kọọkan: USD 28,374 (2025)
Awọn owo-ìwọ̀n: Polish zloty (PLN), floating (inflation targeting)
Central Bank of Nigeria: Àwọn Ìṣàmúlò-ètò
Àwọn ìṣàmúlò-ètò: S&P A- (iduroṣinṣin) · Moody's A3 (iduroṣinṣin) · Fitch A- (awọn aṣiṣe) (bi o ti September 2026)

O jẹ orilẹ-ede ti o tobi julọ ni agbaye, pẹlu awọn ile-iṣẹ iṣelọpọ ati awọn iṣẹ ti o ni ibatan to dara si awọn nẹtiwọọki gbigbe German, pẹlu agbegbe banki nla kan ti a ṣakoso nipasẹ Authority Supervision Financial Polish (KNF).

Àwọn Irinṣẹ́

Igbàyélẹ̀ fun iṣetó banki ati igbàyélẹ̀ fun ibẹrẹ́ iṣẹ́ (laisínsì banki-akoko meji)

Awọn ohun-ini ti o kere juUSD 5.6m

AgbègbèKò sí iparí iṣẹ́ Polishì kan tí a rí nínú àwọn ojú-ìwé KNF; CRD ìṣàmúlò-ètò 15 fẹ́ ẹ̀yàn nínú oṣù 6 láti inú ohun-ìṣàfilọ́lẹ̀ tó kùnà atí nínú ohunkohun nínú oṣù 12

Awọn Iṣẹ́KNF (Poland ni inú ààyè-iṣẹ́ euro atí SSM)

Ibẹrẹ owo-ori ti ko kere ju PLN ti o tọka si awọn miliọnu 5 (awọn ofin 32(1)); Milionu 1 fun awọn banki ifowosowopo ti o ṣe alabapin si banki afiliating

Àwọn Ìṣẹ́: Banking Law of 29 August 1997 (consolidated text Dz.U. 2026 poz. 38), arts. 30a, 32, 36 and 37
Ìfihàn: Ya. EU/EEA paṣipaarọ labẹ CRD.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìyàn KNF meji tí a fi pamọ́: láti kọ́ àwọn banki, ki o si bẹrẹ iṣẹ́
Awọn banki ti o ni owo-ori papọ nilo diẹ sii ju awọn oludasile 3 lọ, ti ko ba jẹ pe oludasile kan nikan ni banki, ile-iṣẹ ifowopamọ, ile-iṣẹ inawo, ile-ifowopamọ orilẹede tabi ile-iṣẹ owo-iworo agbaye
Initial capital paid in cash in PLN into a domestic bank, not from loans or undisclosed sources; in-kind contributions capped at 15%
Awọn igbẹkẹle ati awọn owo-ori ti awọn oludasile, iṣẹ-ṣiṣe ti iṣakoso, eto iṣowo to lagbara
Ìṣàmúlò-ètò náà gbọdọ̀ bẹrẹ nínú odun kan tàbí àwọn ìṣẹ̀dá ìṣàmúlò-ètò náà ń kù

Sources(5)

KNF: Banks, Introduction (licensing) · checked 2026-10-07
KNF: Initial capital · checked 2026-10-07
KNF: Authorisation to establish a bank · checked 2026-10-07
Sejm ELI: Banking Law, consolidated text Dz.U. 2026 poz. 38 · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Articles 12 and 15 · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn Ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèKNF ṣe ipinnu laarin 3 oṣu kan ti ohun elo kikun (art. 62(2), ti a lo fun EMIs nipasẹ iṣẹ. 132b(3)

Awọn Iṣẹ́KNF

Ibẹrẹ owo-ori ni o kere ju PLN ti o tọka si EUR 350,000 (awọn ofin 132b(1))

Àwọn Ìṣẹ́: Payment Services Act of 19 August 2011 (consolidated text Dz.U. 2026 poz. 623), arts. 132a and 132b
Ìfihàn: Ya. EU/EEA paṣipaarọ labẹ EMD2/PSD2.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ọ̀rọ̀ ẹ̀yàn tí a fi pamọ́ nínú Poòlù (àtìtọ́ 132a(2))
Awọn iṣẹ́ atí àwọn ìṣàmúlò-ètò owó nínú àwọn ohun tí a ró pè
Igbàdálẹ̀ ìdíyelé̀ tí a gba nípa ìdíyelé̀ fún owo-ẹ̀yàn (ìpínrọ̀ 132n)
Ìdájọ́ àwọn ààyè-ètò, ìdájọ́ inú atí AML/CFT ìfaramọ́; ìṣàmúlò-ètò tí o tọ́

Sources(2)

Sejm ELI: Payment Services Act, consolidated text Dz.U. 2026 poz. 623 · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Article 4 · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Àwọn ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèKNF ṣe ipinnu laarin 3 oṣu lati gba ohun elo ti o pari (art. 62(2)

Awọn Iṣẹ́KNF

KIP: PLN ti o tọka si EUR 125,000 (awọn iṣẹ 1 si 5), EUR 50,000 (awọn iṣẹ 7), EUR 20,000 (ipadabọ owo nikan). MIP: iforukọsilẹ, ko si iwe-aṣẹ KNF

Àwọn Ìṣẹ́: Payment Services Act of 19 August 2011 (consolidated text Dz.U. 2026 poz. 623), arts. 60 to 64 (KIP) and 117f onwards (MIP)
Àwọn Irinṣẹ́: KIP authorisation fee: PLN equivalent of EUR 1,250; Ìyànṣé ìṣàfarawé fún EUR 400; Ìyànṣe tí a fi pamọ́ nínú réjéstrí EUR 400 (KNF). Statutory cap EUR 1,500 (art. 114).
Ìfihàn: Yà fún KIP láti ààyè-iṣẹ́ PSD2; kò fún MIP (ní inú ilè nikan).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Àwọn ààyè-iṣẹ́ àti ìṣàfihàn owo fun àwọn odun mẹ́ta nípa
Awọn ohun-ini ti a ko fi owo pamọ́ láti àwọn ilé-ifowopamọ̀ tàbí láti inú àwọn ìṣàfilọ́lẹ̀ tí a kò sọ̀rọ̀
Awọn eto iṣakoso ibajẹ, iṣakoso inu ati AML/CFT; aabo ni ibamu pẹlu nkan 78
Awọn ifowopamọ tabi awọn agbẹjọro fun awọn olupese PIS ati AIS
MIP: iwọntunwọnsi owo-ori oṣu kan lori awọn oṣu 12 ti o kẹhin le ko ju EUR 1.5 million lọ (awọn ofin. 117f(3)); awọn ipadabọ fun olumulo kọọkan ni a dapọ si EUR 2,000

Sources(7)

KNF: KIP authorisation, end of procedure (conditions and capital) · checked 2026-10-07
KNF: KIP fees and costs · checked 2026-10-07
KNF: KIP application review · checked 2026-10-07
KNF: MIP registration · checked 2026-10-07
KNF: MIP activity · checked 2026-10-07
Sejm ELI: Payment Services Act, consolidated text Dz.U. 2026 poz. 623 · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Articles 7 and 12 · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Àwọn ààyè-iṣẹ́ ìgbàjónbà iṣẹ́ ẹ̀yàn-ìpamọ́ lórí MiCA (tí kò bá wa ní Polandii)

Awọn ohun-ini ti o kere juUSD 56k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Kò ní pàtó. KNF kùnà nínú àtòjọ ESMA tí àwọn alábòójútó àìdálẹ̀ láti jẹ́ pé o kò pàtó nínú ìṣàfarawé; o ní pàtó fún àwọn onínọmbà-ọ̀rọ̀-ẹ̀yàn lọ́wọ́lọ́wọ́.

MiCA Annex IV: EUR 50,000 (klass 1), EUR 125,000 (klass 2), EUR 150,000 (klass 3), nigba ti o ba le fun awọn iwe-aṣẹ nipasẹ ijọba Polandii

Àwọn Ìṣẹ́: Regulation (EU) 2023/1114 (MiCA), art. 63; no Polish implementing act in force
Ìfihàn: Awọn iṣẹ inbound passporting lọ si Polandii; awọn ile-iṣẹ Polishi ko le gba MiCA iwe-aṣẹ ni ile.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

A kò lè bẹrẹ àwọn ìṣàmúlò-ètò ìṣẹ̀dà Polishi nígbà tí ẹ̀yàn náà bá sọ̀rọ̀ ọ̀pọ̀lù (àjọṣe KNF)
Lọgan ti 1 July 2026 awọn ile-iṣẹ orilẹ-ede, ni pataki awọn ti o wa lori iwe-aṣẹ owo gidi ti a fipamọ nipasẹ Revenue Administration Chamber ni Katowice, ko le da duro lori MiCA ilana iyipada
CASPs ti a fọwọsi ni orilẹ-ede miiran le ṣe iṣẹ si awọn alabara Polandii laarin awọn orilẹ-ede labẹ MiCA nkan. 65

Sources(5)

UKNF: Position on the lack of a designated competent authority for the crypto-asset market in Poland · checked 2026-10-07
Sejm API: legislative process, crypto-asset market act (print 2064), vetoed 12 February 2026 · checked 2026-10-07
Sejm API: legislative process, crypto-asset market act of 15 May 2026 (prints 2363/2530), vetoed 11 June 2026, veto upheld 4 September 2026 · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Articles 59, 63, 143 and Annex IV · checked 2026-10-07
ESMA: List of MiCA grandfathering periods decided by Member States under Article 143(3) (version of May 2026) · checked 2026-10-07

Firma idoko-owo

Iṣẹ́dàlẹ̀ láti ṣe iṣẹ́ ajọṣepọ̀ bi ile-iṣẹ́ ajọṣepọ̀ (dom maklerski)

Awọn ohun-ini ti o kere juUSD 168k

AgbègbèMiFID II ìwé. 7(3): ìṣẹ̀dà nínú àwọn oṣù 6 tí ẹ̀yàn náà bá jẹ́ òótọ́; kò sí ìgbà tòjú tí a fi ṣàyẹwo

Awọn Iṣẹ́KNF

PLN ti o tọka si EUR 150,000 standard; EUR 75,000 ti ko ba ni awọn ohun-ini alabara tabi iṣẹ iroyin ara ẹni labẹ nkan. 69(2)(8) tabi (4)(1); EUR 750,000 fun awọn iṣẹ labẹ nkan. 69(2)(3), (7) tabi (9) (ọrọ 98)

Àwọn Ìṣẹ́: Act on Trading in Financial Instruments of 29 July 2005 (consolidated text Dz.U. 2024 poz. 722), arts. 69 and 98
Ìfihàn: Ye. MiFID II iwe irinna; awọn ile-iṣẹ EU lọ si Polandii lori fọọmu ijẹrisi wọn (awọn ofin 117).

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn iṣẹ Brokerage nilo iwe-aṣẹ KNF (ẹya 69)
Initial capital structured in line with IFR article. 9 (art. 97)
Àwọn ààyè-iṣẹ́ ìṣàfarawe-ọ̀rọ̀ tí a fi pamọ́ nínú oṣù 6 láti ibẹrẹ iṣẹ́ (ẹ̀yàn. 110zk)
Awọn adari ti o tọ ati ti o dara ati awọn oniṣowo ti o ni ẹtọ

Sources(4)

KNF: Brokerage service providers · checked 2026-10-07
Sejm ELI: Act on Trading in Financial Instruments, consolidated text Dz.U. 2024 poz. 722 · checked 2026-10-07
EUR-Lex: Directive 2014/65/EU (MiFID II), Article 7(3) · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Article 9 · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Àwọn ààyè-iṣẹ́

Awọn ohun-ini ti o kere juUSD 511k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Minisitọ owo

Ipinle ti o kere ju PLN 2,000,000 fun ile-iṣẹ ere idaraya (awọn ofin 10(1)(2))

Àwọn Ìṣẹ́: Gambling Act of 19 November 2009 (consolidated text Dz.U. 2025 poz. 595), arts. 5, 6(3), 7a, 10, 32(2) and 49(2)
Ìfihàn: Ko si. Gambling ko ni harmonized ni ipele EU.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Oju opo wẹẹbu nikan ni o le pese awọn ere idaraya ti ara ẹni (ati awọn loterii igbega); gbogbo awọn ere idaraya ori ayelujara miiran, pẹlu awọn ere kasino ori ayelujara, jẹ monopoly ijọba (awọn nkan 5(1b)).
Awọn ile-iṣẹ ti o wa ni Polandii, tabi awọn ile-iṣẹ EU/EFTA-EEA ti n ṣiṣẹ labẹ awọn ofin ninu nkan 7a
Àjọ́ ìṣàfihàn tí a fẹ́; kò ní àwọn ààyè-iṣẹ́ ìfẹ́fẹ́; àwọn ààyè-iṣẹ́ tí a fi pamọ́ fún àwọn ile-iṣẹ́ ẹ̀yàn-ẹ̀yàn nikan
Iṣẹ́ tí a fun nìgbà 6 (àwọn àkọlé 49(2))

Sources(1)

Sejm ELI: Gambling Act, consolidated text Dz.U. 2025 poz. 595 · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Komisja Nadzoru Finansowego (Polish Financial Supervision Authority) (KNF) · websitebanks, E-money institutions, Payment service providers, Investment firms
Minisitiri owo (awọn iwe-aṣẹ ere idaraya) (MF) · webuIpele ere ori ayelujara

MiCA: Àtòjọ ESMA (Ìyàn May 2026) kọ́ àwọn àkọsílẹ̀ ìgbà 6-módun fun Pọ́làndiẹ̀, sugbon Pọ́làndiẹ̀ kò fi ẹ̀yàn tí a fẹ̀ ṣé nínú rẹ̀ lọ́wọ́lọ́wọ́ tabi láti sọ́kalẹ́ sí alábòójútó. Ìpa UKNF sọ́rọ̀ pé àwọn ile-iṣẹ́ owo-ìṣàfilọ́lẹ̀ fún ara wọn lè tẹsiwaju nínú àwọn ààyè-iṣẹ́ orilẹ-ede titi di 1 Oṣù 2026 atí pé kò lè jẹ́ bẹ́ẹ̀ nínú rẹ̀; kò lè lòyé ọ̀pọ̀lù Polishi MiCA láti gba ilé-ẹ̀yàn náà titi ti alábòójúlọ́wọ́lù tí a sọ̀kalẹ̀ sí nínú ẹ̀yàn náà. Alábòójúlọ́wọ́lù paṣipaarọ́ crypto-asset ní ọjọ́ kọ́kanlà 12 Oṣù 2026 (píríǹtì 2064; Sejm kò bá jẹ́ pé kò bá jẹ́ pé 17 Oṣù 2026) àtí ẹ̀yàlù ọjọ́ 15 Oṣù 2026 nínú ọjọ́ 11 Oṣù 2026 (Sejm kò bá jẹ́ pé kò bá jẹ́ pé 4 Satọ́deè 2026). Àwòrán licensing banki, EMI owó ilé-ẹ̀yàn, owó ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé-ilé

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Polandii

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: WarsawWarsaw
Agbègbè: 312,685 km²
Awọn ede Ofin: Polishi
Zone Time: UTC+01:00 (UTC+02:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

Àwọn ààyè-iṣẹ́
Bátirì
Awọn ọja Plasti
Awọn ọkọ ayọkẹlẹ
Àwọn ààyè-iṣẹ́
Àwọn iṣẹ́ ile-iṣẹ́

Àwọn ìṣàfihàn ààyè-iṣẹ́

Germany
Àwọn Ìṣàmúlò-ètò
Czech
French
Ìtaláànì

Sources for the country information(10)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(4)

NZ Department of Internal Affairs: FATF jurisdictions under increased monitoring, June 2026 plenary (links to fatf-gafi.org outcomes) · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2026/46 amending Delegated Regulation (EU) 2016/1675 · checked 2026-10-07
Council of the EU: ST 5821/26, draft conclusions on the revised EU list of non-cooperative jurisdictions (approved 17 February 2026) · checked 2026-10-07
ESMA: List of MiCA grandfathering periods decided by Member States under Article 143(3) (version of May 2026) · checked 2026-10-07