Ibhange
Ugunyazo lokusungula ibhange kanye nogunyazo lokuqala umsebenzi (ilayisense lebhange elinezigaba ezimbili)
IsikhathiAkukho sikhathi sokuphelelwa yisikhathi esicacisiwe sePoland esitholakala kumakhasi e-KNF; CRD isiqephu 15 sidinga usinqumo ngaphakathi kwezinyanga ezingu-6 zokufaka isicelo esigcwele futhi nganoma isiphi isikhathi ngaphakathi kwezinyanga eziyi-12 IgunyaKNF (iPoland ingaphandle kwendawo ye-euro futhi SSM) Um kapitali wokuqala ongaphansi kune-PLN elingana ne-EUR 5 million (isiqephu 32(1)); i-EUR 1 million yebhange elisebenza ngokuhlanganyela elishaba
- Umthetho
- Banking Law of 29 August 1997 (consolidated text Dz.U. 2026 poz. 38), arts. 30a, 32, 36 and 37
- Ukudluliswa kwepasipoti
- Yebo. I-EU/EEA passport ngaphansi CRD.
Izidingo ezibalulekile- Izigunyazo ezimbili ezihlukene zeKNF: ukusungula ibhange, bese uqala umsebenzi
- Ibhange elihlangene lidinga okungenani abasunguli abangu-3 ngaphandle kokuthi umsunguli oyedwa ube yibhange, inhlangano yezimali, isiqinisekisi, iKhabhinethi lezwe noma inhlangano yezimali yamazwe omhlaba
- Imali yokuqala ekhokhwa ngemali engenayo nge-PLN kwibhange lasekhaya, hhayi kusuka kuma-loans noma kuma-sources angaziwayo; izinkokhelo ezinjalo zifinyelela ku-15%
- Isimo sebhizinisi esifanele, ukuqeqeshwa kochwepheshe bokulawula
- Imisebenzi kumele iqale ngonyaka owodwa noma ukugunyazwa kwenhlangano kuphelile
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
Inhlangano yemali-elektroniki
Igunya njengenhlangano yemali ephathekayo yasekhaya (krajowa instytucja pieniędzy elektronicznych, KIPE)
IsikhathiKNF decides within 3 months of a complete application (art. 62(2), esetshenziswa ku-EMIs ngomsebenzi. 132b(3)) Um kapitali wokuqala okungenani ulingana ne-PLN engu-EUR 350,000 (isiqephu 132b(1))
- Umthetho
- Payment Services Act of 19 August 2011 (consolidated text Dz.U. 2026 poz. 623), arts. 132a and 132b
- Ukudluliswa kwepasipoti
- Yebo. Ipasipoti le-EU/EEA ngaphansi kuka EMD2/PSD2.
Izidingo ezibalulekile- Umnikazi webhizinisi obhalisiwe ePoland (isiqephu 132a(2))
- Iphrojekthi yokusebenza kanye nohlelo lwezimali kufaka phakathi isilinganiso esilindelekile semali-e
- Ukuvikelwa kwezinkokhelo ezifunyenwe ngokushintshana ngemali ye-e (isiqephu 132n)
- Ukuphathwa kwengozi, ukulawulwa kwangaphakathi kanye ne AML/CFT iphrojekthi; ukuhambisana nokuphathwa okulungile
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
Umhlinzeki wezinsizakalo zokukhokha (PSP)
Ukugunyazwa njengenhlangano yezimali zasekhaya (krajowa instytucja płatnicza, KIP); ukubhaliswa njengenhlangano yezimali ezincane (mała instytucja płatnicza, MIP)
IsikhathiKNF decides within 3 months of receiving a complete application (art. 62(2)) KIP: PLN elingana ne-EUR 125,000 (izinsizakalo ezingu-1 kuya ku-5), i-EUR 50,000 (izinsizakalo ezingu-7), i-EUR 20,000 (ukuthumela imali kuphela). MIP: ukubhaliswa, akukho imvume yeKNF
- Umthetho
- Payment Services Act of 19 August 2011 (consolidated text Dz.U. 2026 poz. 623), arts. 60 to 64 (KIP) and 117f onwards (MIP)
- Izindleko
- Izindleko zokugunyazwa kwe-KIP: PLN ezilingana ne-EUR 1,250; ushintsho lokugunyazwa kwe-EUR 400; ushintsho lwesingeniso serejista ye-EUR 400 (KNF). Ubukhulu obusemthethweni be-EUR 1,500 (isiqephu 114).
- Ukudluliswa kwepasipoti
- Yebo ku-KIP ngaphansi PSD2; cha ku-MIP (ngaphakathi kuphela).
Izidingo ezibalulekile- Iphuzu lebhizinisi kanye nombono wezimali okungenani iminyaka emithathu
- Imali engenayo engakhokhwa ngezimali noma esuka kumakhomishini
- Ukuphathwa kwengozi, ukulawulwa kwangaphakathi kanye nezinhlelo ze AML/CFT; ukuvikelwa ngaphansi kwesigaba 78
- Isikweletu se-indemnity noma isiqinisekiso sochwepheshe abahlinzeki be-PIS ne-AIS
- I-MIP: ivolumu ephakathi yezimali zonyaka ezidlule iminyaka engu-12 ayikwazi ukudlula u-EUR 1.5 million (isiqephu 117f(3)); ama-balances ngamsebenzisi afinyelela ku-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
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ukugunyazwa kohlinzeki wezinsizakalo ze-crypto-asset ngaphansi MiCA (asikho ePoland)
IsikhathiAkukho kushicilelwe IgunyaAkukho okunikezwayo. I-KNF ivela ohlwini lwe ESMA lwabaphathi abagunyaziwe ngecala lokuthi ayikho egunyazwe ngokusemthethweni; iyigunyazi kuphela labo abashicilela amathokheni wemali ye-e. MiCA Isihluthulelo IV: i-EUR 50,000 (isigaba 1), i-EUR 125,000 (isigaba 2), i-EUR 150,000 (isigaba 3), lapho umphathi wasePoland ekwazi ukunika izigunyazo
- Umthetho
- Regulation (EU) 2023/1114 (MiCA), art. 63; no Polish implementing act in force
- Ukudluliswa kwepasipoti
- I-inbound passporting ePoland isebenza; amankampani asePoland angathola MiCA imvume ekhaya.
Izidingo ezibalulekile- Akukho nqubo yokufaka isicelo se-Polish ingaqala kuze kube yilapho umthetho ubeka umphathi ogunyaziwe (isikhundla seKNF)
- Kusuka ngo-1 kuJulayi 2026, izinkampani zasekhaya, ikakhulukazi ezikwi-Virtual Currency Register egcinwe yiRevenue Administration Chamber eKatowice, azikwazi ukuthembela kwi- MiCA transitional regime
- I-CASPs egunyazwe kwezinye izizwe ezimele ingahlinzeka ngezisebenzi zasePoland ngaphesheya komgwaqo ngaphansi kwe- MiCA art. 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
Inkampani yokutshala imali
Ugunyazo lokuphatha imisebenzi ye-brokerage njengekhaya le-brokerage (dom maklerski)
IsikhathiMiFID II isiq. 7(3): isigqibo ngaphakathi kwezinyanga ezingu-6 zokufaka isicelo esigcwele; akukho isikhathi sokuphelelwa yisikhathi esisodwa sePoland esiqinisekisiwe I-PLN elingana ne-EUR 150,000; i-EUR 75,000 uma ayikho inkontileka yempahla yomsebenzisi noma imisebenzi ye-akhawunti yakhe ngaphansi kwesigaba 69(2)(8) noma (4)(1); i-EUR 750,000 yezimisebenzi ngaphansi kwesigaba 69(2)(3), (7) noma (9) (isiqephu 98)
- Umthetho
- Act on Trading in Financial Instruments of 29 July 2005 (consolidated text Dz.U. 2024 poz. 722), arts. 69 and 98
- Ukudluliswa kwepasipoti
- Yebo. MiFID II ipasipoti; amabhange e-EU afika ePoland ngogunyazo lwasekhaya (isiqephu 117).
Izidingo ezibalulekile- Imisebenzi ye-brokerage idinga isitifiketi seKNF (isiqephu 69)
- Imali yokuqala ihlukaniswe ngokuhambisana ne IFR isigaba 9 (isigaba 97)
- Iphuzu lokubuyisa lithunyelwe ngaphakathi kwezinyanga ezingu-6 zokuqala umsebenzi (isiqephu 110zk)
- Ukulawula okulungile nokunethezeka kanye nabagibeli
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
Umhlinzeki wemidlalo ye-inthanethi
Izivumelwano zokuphatha ukubheja okufanayo, kufaka phakathi oku-inthanethi
IsikhathiAkukho kushicilelwe IgunyaUmphathiswa Wezezimali Um kapitali wengxenye okungenani PLN 2,000,000 yenkampani yokugembula (isiqephu 10(1)(2))
- Umthetho
- Gambling Act of 19 November 2009 (consolidated text Dz.U. 2025 poz. 595), arts. 5, 6(3), 7a, 10, 32(2) and 49(2)
- Ukudluliswa kwepasipoti
- Akukho. Ukugembula akulinganiswanga ehlathini le-EU.
Izidingo ezibalulekile- Imidlalo yokubheja emibili kuphela (nemiqhudelwano yokukhulisa) inganikezwa ku-inthanethi ngabaphathi bendawo; zonke ezinye izimakethe zekhasino ezitholakalayo, kufaka phakathi imidlalo ye-casino etholakalayo, yinkampani eyodwa yezwe (isiqephu 5(1b)).
- Inkampani yesitokhwe noma inkampani enesibopho esilinganiselwe ehlala ePoland, noma inkampani ye-EU/EFTA-EEA esebenza ngokuya ngemithetho esesiqephu 7a
- Ibhodi lokuhlola lidingeka; akukho izilinganiso ezithandekayo; izilinganiso ezibhalisiwe kuphela zezinkampani ezihlangene
- Isitifiketi sinikezelwe iminyaka engu-6 (isiqephu 49(2))
Sources(1)
- Sejm ELI: Gambling Act, consolidated text Dz.U. 2025 poz. 595 · checked 2026-10-07
Ama-Supervisors
Ubani olawula
- Komisja Nadzoru Finansowego (Polish Financial Supervision Authority) (KNF) · websitebanks, E-money institutions, Payment service providers, Investment firms
- Umphathiswa Wezezimali (izitifiketi zokugembula) (MF) · iwebhusayithiukugembula kwe-inthanethi
MiCA: ESMAUhlu lwe-UKNF (uhlobo lukaMeyi 2026) lurekhoda isikhathi senyanga engu-6 sokuba yinkosikazi yePoland, kodwa iPoland ayikhokhe umthetho odingekayo ukuwunciphisa noma ukubeka umphathi ogunyaziwe. Isimo se-UKNF sisho ukuthi amafemu emali engenayo yasekhaya angaqhubeka ngaphansi komthetho wesizwe kuze kube ngu-1 kuJulayi 2026 futhi walahlekelwa ngalolu hlelo ngemuva kwalokho; akukho isiPutukezi MiCA UMengameli ubeke isandla esinqumweni semakethe ye-crypto-asset ngomhla ka-12 kuFebhuwari 2026 (print 2064; Sejm ayiphumelelanga ukucima ngomhla ka-17 kweNhlangulana 2026) kanye nesinqumo sika-15 kuMeyi 2026 ngomhla ka-11 kuJuni 2026 (Sejm ayiphumelelanga ukucima ngomhla ka-4 kuSepthemba 2026). EMI izindleko zokugunyazwa, izikweletu ze-brokership kanye nezindleko zokuthola imvume yokugembula azitholakali kumakhasi asemthethweni avuliwe futhi ziyi-null. Amanani e-EUR aguqulwa abe yi-PLN ngesilinganiso esiphakathi se-NBP ngomhla wokuthatha isigqibo.
