{"id":12649,"date":"2026-07-23T18:32:49","date_gmt":"2026-07-23T15:32:49","guid":{"rendered":"https:\/\/napolshu.com\/mip_poland\/"},"modified":"2026-08-05T22:47:47","modified_gmt":"2026-08-05T19:47:47","slug":"mip_poland","status":"publish","type":"page","link":"https:\/\/napolshu.com\/en\/mip_poland\/","title":{"rendered":"SPI Licence in Poland"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12649\" class=\"elementor elementor-12649 elementor-12594\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-025e365 e-con-full e-flex e-con e-parent\" data-id=\"025e365\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d82e33 elementor-widget elementor-widget-html\" data-id=\"3d82e33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div 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48px;width:48px;height:48px;border-radius:10px;background:#2aabee;\n  display:flex;align-items:center;justify-content:center;color:#fff;text-decoration:none}\n#mip-sticky .h-tgr svg{width:21px;height:21px;fill:currentColor}\nbody.mip-sticky-on{padding-bottom:72px}\n\n@media (min-width:768px){\n  #mip-hero{padding:56px 28px 64px}\n  #mip-hero .h-pane{padding:22px 24px 0}\n  #mip-hero .h-acts{padding:0 24px 24px}\n}\n@media (min-width:992px){\n  #mip-hero{padding:70px 32px 78px}\n  #mip-hero .h-grid{grid-template-columns:minmax(0,1.08fr) minmax(410px,450px);gap:52px;align-items:center}\n  #mip-hero .h-pane h2{font-size:22px}\n  #mip-hero .h-val{font-size:44px}\n}\n@media (max-width:767px){\n  #mip-sticky{display:flex}\n  #mip-hero .h-grid{gap:22px}\n  #mip-hero .h-tab{font-size:12px;padding:11px 5px 10px}\n}\n@media (prefers-reduced-motion:reduce){#mip-hero *,#mip-sticky{transition:none!important}}\n#mip-hero :focus-visible,#mip-sticky :focus-visible{outline:3px solid #f5a623;outline-offset:2px}\n<\/style>\n\n<section id=\"mip-hero\">\n  <div class=\"h-grid\">\n\n    <div>\n      <p class=\"h-kicker\">FinTech and payment institutions<\/p>\n      <h1 class=\"h-h1\">SPI licence <span class=\"h-acc\">in Poland<\/span><\/h1>\n      <p class=\"h-lede\">\n        We enter your company in the KNF register of small payment institutions: we draft the business model description, the risk management system, AML procedures and the financial plan. Or we source a company that already holds the status.\n      <\/p>\n      <ul class=\"h-usp\">\n        <li>A complete document pack built to the regulator's requirements<\/li>\n        <li>Preparation 2\u20134 weeks, KNF review up to 3 months<\/li>\n        <li>We answer KNF queries at every stage of the review<\/li>\n        <li>We help you move up to KIP when the business outgrows the limit<\/li>\n      <\/ul>\n      <ul class=\"h-trust\">\n        <li>Fintech and crypto experience<\/li>\n        <li>Warsaw office<\/li>\n        <li>Reply in 15 minutes<\/li>\n        <li>Fully remote<\/li>\n      <\/ul>\n    <\/div>\n\n    <aside class=\"h-card\" id=\"mip-card\">\n      <div class=\"h-tabs\" role=\"tablist\" aria-label=\"Ways to obtain the status\">\n        <button class=\"h-tab on\" type=\"button\" role=\"tab\" aria-selected=\"true\"  data-t=\"new\">Obtaining SPI<\/button>\n        <button class=\"h-tab\"    type=\"button\" role=\"tab\" aria-selected=\"false\" data-t=\"ready\">Shelf company<\/button>\n      <\/div>\n\n      <div class=\"h-pane on\" data-p=\"new\" role=\"tabpanel\">\n        <h2>Get SPI license in Poland<\/h2>\n        <p class=\"h-psub\">For projects with a clear, transparent business model<\/p>\n        <ul class=\"h-meta\"><li>preparation 2\u20134 weeks<\/li><li>KNF up to 3 months<\/li><\/ul>\n        <div class=\"h-price\">\n          <span class=\"h-lb\">Support from:<\/span>\n          <!-- TODO-PRICE -->\n          <span class=\"h-val\">2 500 EUR<\/span>\n          <span class=\"h-vat\">the PLN 616 state fee is paid separately<\/span>\n          <ul class=\"h-notes\">\n            <li>KNF supervisory fee \u2014 annual, up to 0.025 % of transaction volume<\/li>\n            <li>Registering the company, if you do not have one, is a separate service<\/li>\n            <li>The price is fixed in the agreement before we start<\/li>\n          <\/ul>\n        <\/div>\n        <details class=\"h-incl\">\n          <summary>What the price covers<\/summary>\n          <ul>\n            <li>Description of the payment services and the business process diagram<\/li>\n            <li>Risk management system and turnover calculation methodology<\/li>\n            <li>Business programme and a 12-month financial plan<\/li>\n            <li>Programme for safeguarding user funds<\/li>\n            <li>AML\/CFT policies tailored to your business model<\/li>\n            <li>Filing with KNF and responding to regulator queries<\/li>\n          <\/ul>\n        <\/details>\n      <\/div>\n\n      <div class=\"h-pane\" data-p=\"ready\" role=\"tabpanel\">\n        <h2>Shelf company with SPI license<\/h2>\n        <p class=\"h-psub\">When you need the status now, without waiting for KNF<\/p>\n        <ul class=\"h-meta\"><li>deal in 1\u20132 weeks<\/li><li>status already in the register<\/li><\/ul>\n        <div class=\"h-price\">\n          <span class=\"h-lb\">Price:<\/span>\n          <span class=\"h-val h-val--q\">Price on request<\/span>\n          <span class=\"h-vat\">depends on the company age and whether an account is open<\/span>\n          <ul class=\"h-notes\">\n            <li>Availability of suitable companies is checked on request<\/li>\n            <li>State fees for the deal are included<\/li>\n            <li>We check the company history before the deal<\/li>\n          <\/ul>\n        <\/div>\n        <details class=\"h-incl\">\n          <summary>What the price covers<\/summary>\n          <ul>\n            <li>A ready Sp. z o.o. legal entity<\/li>\n            <li>Registered address in Warsaw<\/li>\n            <li>Bank account with a Polish bank<\/li>\n            <li>Confirmation of entry in the KNF register<\/li>\n            <li>Notarial or online transfer of shareholders and management<\/li>\n            <li>State fees paid and an AML certificate<\/li>\n          <\/ul>\n        <\/details>\n      <\/div>\n\n      <div class=\"h-acts\">\n        <button type=\"button\" class=\"h-btn m-quiz\">Find your status in 2 minutes \u2192<\/button>\n        <p class=\"h-reassure\">\n          Four questions about your business model, turnover and geography \u2014 and you will see which status fits, how long it takes and what it costs.\n        <\/p>\n        <div class=\"h-div\">or message us<\/div>\n        <div class=\"h-msgr\">\n          <!-- TODO-PHONE -->\n          <a class=\"h-tg\" href=\"https:\/\/t.me\/Izibizzz\" target=\"_blank\" rel=\"noopener\" data-m=\"telegram\">\n            <svg viewBox=\"0 0 24 24\"><path d=\"M9.8 15.6l-.4 4.2c.5 0 .8-.2 1.1-.5l2.6-2.5 5.4 4c1 .5 1.7.3 2-.9l3.5-16.4c.3-1.4-.5-2-1.5-1.7L1.2 9.6C-.2 10.1-.1 10.9 1 11.2l5.5 1.7L19.3 5c.6-.4 1.2-.2.7.2z\"\/><\/svg>\n            Telegram\n          <\/a>\n          <a class=\"h-wa\" href=\"https:\/\/wa.me\/48720740429\" target=\"_blank\" rel=\"noopener\" data-m=\"whatsapp\">\n            <svg viewBox=\"0 0 24 24\"><path d=\"M12 2a10 10 0 00-8.6 15L2 22l5.2-1.4A10 10 0 1012 2zm5.6 14.2c-.2.7-1.3 1.3-1.9 1.3-.5 0-1.1.2-3.6-.8-3-1.3-5-4.4-5.1-4.6-.2-.2-1.2-1.6-1.2-3.1s.8-2.2 1.1-2.5c.3-.3.6-.4.8-.4h.6c.2 0 .4 0 .7.5l1 2.3c.1.2.1.4 0 .6l-.4.6-.3.3c-.1.2-.3.3-.1.6.2.3.8 1.4 1.8 2.2 1.2 1.1 2.2 1.4 2.5 1.6.3.1.5.1.6-.1l.9-1c.2-.3.4-.2.6-.1l2.1 1c.3.1.5.2.5.4.1.1.1.7-.1 1.4z\"\/><\/svg>\n            WhatsApp\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/aside>\n\n  <\/div>\n<\/section>\n\n<div id=\"mip-sticky\">\n  <button type=\"button\" class=\"h-btn m-quiz\">Find your status in 2 minutes<\/button>\n  <!-- TODO-PHONE -->\n  <a class=\"h-tgr\" href=\"https:\/\/t.me\/Izibizzz\" target=\"_blank\" rel=\"noopener\"\n     data-m=\"telegram\" aria-label=\"Message us on Telegram\">\n    <svg viewBox=\"0 0 24 24\"><path d=\"M9.8 15.6l-.4 4.2c.5 0 .8-.2 1.1-.5l2.6-2.5 5.4 4c1 .5 1.7.3 2-.9l3.5-16.4c.3-1.4-.5-2-1.5-1.7L1.2 9.6C-.2 10.1-.1 10.9 1 11.2l5.5 1.7L19.3 5c.6-.4 1.2-.2.7.2z\"\/><\/svg>\n  <\/a>\n<\/div>\n\n\n<div id=\"nmip\">\n\n  <!-- ================= \u041d\u0410\u0412\u0418\u0413\u0410\u0426\u0418\u042f ================= -->\n  <div class=\"m-toc\">\n    <div class=\"m-wrap\">\n      <ul>\n        <li><a href=\"#mip-prices\">Pricing<\/a><\/li>\n        <li><a href=\"#mip-what\">What MIP is<\/a><\/li>\n        <li><a href=\"#mip-who\">Who it suits<\/a><\/li>\n        <li><a href=\"#mip-vs\">MIP or KIP<\/a><\/li>\n        <li><a href=\"#mip-limits\">Limits<\/a><\/li>\n        <li><a href=\"#mip-docs\">Documents and process<\/a><\/li>\n        <li><a href=\"#mip-refusal\">Why applications fail<\/a><\/li>\n        <li><a href=\"#mip-faq\">FAQ<\/a><\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n\n  <!-- ================= \u0426\u0415\u041d\u042b ================= -->\n  <section class=\"m-sec\" id=\"mip-prices\">\n    <div class=\"m-wrap\">\n      <p class=\"m-kicker\">Pricing<\/p>\n      <h2>Two routes to payment institution status<\/h2>\n      <p class=\"m-lead m-narrow\">\n        We prepare the full document pack for KNF \u2014 the business model description, the risk management system, AML procedures and the financial plan \u2014 and see the project through to entry in the register. Or we source a company that already holds the status.\n      <\/p>\n\n      <!-- TODO-PRICE -->\n      <div class=\"m-plans\">\n        <div class=\"m-plan m-plan--best\">\n          <span class=\"m-badge\">Main route<\/span>\n          <h3>Support in obtaining SPI license<\/h3>\n          <p class=\"m-who\">For projects with a clear, transparent business model<\/p>\n          <div class=\"m-amt\"><b>from EUR 2,500<\/b><\/div>\n          <p class=\"m-vat\">the PLN 616 state fee is paid separately<\/p>\n          <ul class=\"m-chips\"><li>preparation 2\u20134 weeks<\/li><li>KNF review up to 3 months<\/li><\/ul>\n          <ul class=\"m-inc\">\n            <li>Preparation of the full document pack for KNF<\/li>\n            <li>Description of the payment services and the business process<\/li>\n            <li>Financial plan for the first 12 months<\/li>\n            <li>AML\/CFT policies tailored to your business model<\/li>\n            <li>Risk management system and turnover calculation methodology<\/li>\n            <li>Support through to entry in the register, including replies to KNF queries<\/li>\n          <\/ul>\n          <button type=\"button\" class=\"m-btn m-btn--pri m-quiz\">Find your status in 2 minutes \u2192<\/button>\n        <\/div>\n\n        <div class=\"m-plan\">\n          <h3>Shelf company with SPI license<\/h3>\n          <p class=\"m-who\">When you need the status now, without waiting for KNF<\/p>\n          <div class=\"m-amt\"><span class=\"m-q\">Price on request<\/span><\/div>\n          <p class=\"m-vat\">depends on the company age and whether an account is open<\/p>\n          <ul class=\"m-chips\"><li>deal in 1\u20132 weeks<\/li><li>status already in the register<\/li><\/ul>\n          <ul class=\"m-inc\">\n            <li>A ready Sp. z o.o. legal entity<\/li>\n            <li>Registered address in Warsaw<\/li>\n            <li>Bank account with a Polish bank<\/li>\n            <li>Confirmation of entry in the KNF register<\/li>\n            <li>Notarial or online transfer of shareholders and management<\/li>\n            <li>State fees paid and an AML certificate<\/li>\n          <\/ul>\n          <button type=\"button\" class=\"m-btn m-btn--gh m-quiz\">Check availability and price \u2192<\/button>\n        <\/div>\n      <\/div>\n\n      <div class=\"m-call m-call--warn\" style=\"margin-top:24px\">\n        <span class=\"m-ct\">What is billed separately<\/span>\n        <p><strong>PLN 616<\/strong> \u2014 the state fee for filing the application for entry in the register.\n        <strong>The KNF supervisory fee<\/strong> \u2014 an annual payment that depends on the transaction volume for the year; the maximum rate is 0.025 % of the total. Registering the company itself, if you do not have one, is a separate service.<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u0427\u0422\u041e \u0422\u0410\u041a\u041e\u0415 MIP ================= -->\n  <section class=\"m-sec m-sec--alt\" id=\"mip-what\">\n    <div class=\"m-wrap m-narrow\">\n      <p class=\"m-kicker\">The basics<\/p>\n      <h2>What MIP is, in plain terms<\/h2>\n      <p><strong>MIP (Ma\u0142a Instytucja P\u0142atnicza)<\/strong>, known in English as a Small Payment Institution, is a status that lets a Polish company provide payment services on a limited scale within Poland after being entered in the register of small payment institutions maintained by the Polish Financial Supervision Authority <strong>KNF<\/strong>.<\/p>\n      <p>The legal basis is the Polish Payment Services Act, which implements the European PSD2 directive.<\/p>\n\n      <div class=\"m-call\">\n        <span class=\"m-ct\">The key difference from KIP<\/span>\n        <p>MIP does not require a KNF authorisation, only <strong>entry in the register<\/strong> provided the formal conditions are met. Entering the market is far faster and cheaper than classic licensing, but it caps your scale and geography.<\/p>\n      <\/div>\n\n      <p>The procedure is simpler \u2014 and that is exactly what misleads people. The requirements for the documents, the business model description and the AML procedures are serious, and treating the document pack as a formality is a common and expensive mistake.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u041a\u041e\u041c\u0423 \u041f\u041e\u0414\u0425\u041e\u0414\u0418\u0422 ================= -->\n  <section class=\"m-sec\" id=\"mip-who\">\n    <div class=\"m-wrap m-narrow\">\n      <p class=\"m-kicker\">When the status is needed<\/p>\n      <h2>Who needs MIP<\/h2>\n      <p>Under Polish law, MIP status is required by anyone who receives funds in order to transfer them to another person and holds those funds on their own account \u2014 even for the briefest moment.<\/p>\n      <p>Run a payment gateway \u2014 you need MIP. Run a marketplace where buyers' money passes through your account before you pay the seller \u2014 you need MIP.<\/p>\n\n      <h3>Typical scenarios<\/h3>\n      <ul class=\"m-ul m-ul--dot\">\n        <li>Fintech projects focused on the Polish market that do not need to passport services across the EEA<\/li>\n        <li>Payment card issuers and local-scale e-wallet operators<\/li>\n        <li>Money remittance projects with limited turnover<\/li>\n        <li>Banking-as-a-Service platforms at launch, when transaction volumes do not yet justify the cost of a KIP licence<\/li>\n        <li>Crypto and fintech companies that need payment functionality alongside VASP\/CASP registration \u2014 accepting fiat payments and paying out to clients<\/li>\n        <li>Marketplaces and trading platforms<\/li>\n      <\/ul>\n\n      <div class=\"m-call m-call--warn\">\n        <span class=\"m-ct\">MIP is not a crypto licence<\/span>\n        <p>On its own it does not permit services involving crypto assets. But crypto projects often use it as a complementary regulatory layer alongside registration as a crypto asset service provider.<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u041f\u0420\u0418\u0417\u042b\u0412 ================= -->\n  <div class=\"m-wrap\">\n    <div class=\"m-strip\">\n      <div>\n        <h3>Not sure MIP is the right status for your project?<\/h3>\n        <p>Four questions about your business model, turnover and geography \u2014 and you will see which status fits: MIP, KIP or the separate e-money status.<\/p>\n      <\/div>\n      <button type=\"button\" class=\"m-btn m-btn--pri m-quiz\">Find your status in 2 minutes \u2192<\/button>\n    <\/div>\n  <\/div>\n\n  <!-- ================= MIP vs KIP ================= -->\n  <section class=\"m-sec\" id=\"mip-vs\">\n    <div class=\"m-wrap\">\n      <p class=\"m-kicker\">Comparison<\/p>\n      <h2>MIP or KIP \u2014 what is the difference<\/h2>\n      <p class=\"m-narrow\">Two different statuses with different entry procedures. The choice depends on turnover, geography and whether you need to issue electronic money.<\/p>\n\n      <div class=\"m-tw\">\n        <table>\n          <thead>\n            <tr>\n              <th>Criterion<\/th>\n              <th>MIP \u2014 small payment institution<\/th>\n              <th>KIP \u2014 national payment institution<\/th>\n            <\/tr>\n          <\/thead>\n          <tbody>\n            <tr>\n              <td>Type of procedure<\/td>\n              <td data-l=\"MIP\">Entry in the register (wpis do rejestru)<\/td>\n              <td data-l=\"KIP\">KNF authorisation (zezwolenie)<\/td>\n            <\/tr>\n            <tr>\n              <td>Minimum capital<\/td>\n              <td data-l=\"MIP\">Not set \u2014 general Commercial Companies Code rules apply, e.g. PLN 5,000 for an Sp. z o.o.<\/td>\n              <td data-l=\"KIP\">Set by law and depends on the scope of services: EUR 50,000\u2013125,000<\/td>\n            <\/tr>\n            <tr>\n              <td>Territory<\/td>\n              <td data-l=\"MIP\">Poland only<\/td>\n              <td data-l=\"KIP\">Poland and other EEA countries, with the right to passport services<\/td>\n            <\/tr>\n            <tr>\n              <td>Turnover cap<\/td>\n              <td data-l=\"MIP\">On average no more than EUR 1,500,000 of transactions per month over the previous 12 months \u2014 about EUR 18m a year<\/td>\n              <td data-l=\"KIP\">No regulatory cap<\/td>\n            <\/tr>\n            <tr>\n              <td>Issuing electronic money<\/td>\n              <td data-l=\"MIP\">Not allowed \u2014 that requires the separate MIPE status<\/td>\n              <td data-l=\"KIP\">Possible if additional requirements are met<\/td>\n            <\/tr>\n            <tr>\n              <td>Requirements for management<\/td>\n              <td data-l=\"MIP\">Only the absence of a criminal record for certain offences<\/td>\n              <td data-l=\"KIP\">Besides a clean record \u2014 proven experience and qualifications<\/td>\n            <\/tr>\n            <tr>\n              <td>KNF review time<\/td>\n              <td data-l=\"MIP\">Up to 3 months from filing the complete pack<\/td>\n              <td data-l=\"KIP\">Considerably longer, with a deeper review<\/td>\n            <\/tr>\n          <\/tbody>\n        <\/table>\n      <\/div>\n\n      <div class=\"m-call m-call--ok\">\n        <span class=\"m-ct\">A practical note<\/span>\n        <p>A platform built for MIP scales up. As it approaches the turnover cap, the company applies for a full KIP licence on the same organisational and technical base \u2014 the process does not start from scratch.<\/p>\n      <\/div>\n\n      <h3>What MIP allows and what it does not<\/h3>\n      <div class=\"m-two\">\n        <div class=\"m-card m-card--ok\">\n          <h3 style=\"margin-top:0\">Permitted services<\/h3>\n          <ul class=\"m-ul\">\n            <li>Operating payment accounts<\/li>\n            <li>Cash deposits to and withdrawals from an account<\/li>\n            <li>Executing transfers and direct debits<\/li>\n            <li>Card payments<\/li>\n            <li>Issuing payment instruments<\/li>\n            <li>Payment acquiring<\/li>\n            <li>Money remittance<\/li>\n          <\/ul>\n        <\/div>\n        <div class=\"m-card m-card--no\">\n          <h3 style=\"margin-top:0\">What MIP cannot do<\/h3>\n          <ul class=\"m-ul m-ul--no\">\n            <li>Services based on access to third-party accounts \u2014 account information (AISP) and payment initiation (PISP)<\/li>\n            <li>Issuing electronic money \u2014 that requires the separate small e-money institution status<\/li>\n            <li>Providing services outside Poland<\/li>\n            <li>Having agents or branches abroad<\/li>\n          <\/ul>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u041b\u0418\u041c\u0418\u0422\u042b ================= -->\n  <section class=\"m-sec m-sec--alt\" id=\"mip-limits\">\n    <div class=\"m-wrap\">\n      <p class=\"m-kicker\">Constraints<\/p>\n      <h2>Three limits that decide everything<\/h2>\n      <p class=\"m-narrow\">If your project does not fit inside them, MIP is not your option \u2014 and it is better to find that out before filing, not after.<\/p>\n\n      <div class=\"m-metrics\">\n        <div class=\"m-metric\">\n          <span class=\"m-mt\">Turnover<\/span>\n          <span class=\"m-mv\">EUR 1.5m<\/span>\n          <p>Per month on average over the previous 12 months \u2014 about EUR 18m a year. If exceeded, the company has 30 days either to bring its scale back within the cap or to apply for KIP.<\/p>\n        <\/div>\n        <div class=\"m-metric\">\n          <span class=\"m-mt\">Per client<\/span>\n          <span class=\"m-mv\">2 000 \u20ac<\/span>\n          <p>The maximum amount held at any moment on a single user's account. This is about the balance on the account \u2014 individual transfers may be larger.<\/p>\n        <\/div>\n        <div class=\"m-metric\">\n          <span class=\"m-mt\">Territory<\/span>\n          <span class=\"m-mv\">Poland<\/span>\n          <p>Activity within Poland only. No agents or branches abroad. If you need to reach other EEA countries, that means KIP with service passporting.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u0414\u041e\u041a\u0423\u041c\u0415\u041d\u0422\u042b \u0418 \u041f\u0420\u041e\u0426\u0415\u0414\u0423\u0420\u0410 ================= -->\n  <section class=\"m-sec\" id=\"mip-docs\">\n    <div class=\"m-wrap m-narrow\">\n      <p class=\"m-kicker\">Preparation<\/p>\n      <h2>Requirements and documents<\/h2>\n\n      <h3>For the company and its management<\/h3>\n      <p>Here MIP beats KIP on ease of entry. From the people running the company the law requires <strong>only the absence of a criminal record<\/strong> for a defined list of offences. There is no formal requirement for relevant education or experience running a financial institution \u2014 unlike KIP, where such experience is mandatory.<\/p>\n      <p>That said, the organisational structure must assign responsibility for:<\/p>\n      <ul class=\"m-ul m-ul--dot\">\n        <li>internal control<\/li>\n        <li>correct operation of the IT system through which services are provided<\/li>\n        <li>security incident management<\/li>\n      <\/ul>\n\n      <h3>The document pack for KNF<\/h3>\n      <ul class=\"m-ul\">\n        <li>A description of the planned payment services, including a business process diagram<\/li>\n        <li>A description of the risk management system<\/li>\n        <li>The methodology for calculating total monthly transaction volume \u2014 the regulator wants to see how the company monitors its own approach to the cap<\/li>\n        <li>A business programme and a financial plan for the first 12 months<\/li>\n        <li>A description of how user funds are safeguarded<\/li>\n        <li>A description of the AML\/CFT procedures, including the person appointed to oversee compliance<\/li>\n      <\/ul>\n\n      <div class=\"m-call m-call--warn\">\n        <span class=\"m-ct\">About an incomplete pack<\/span>\n        <p>If the application or its annexes are incomplete, KNF issues a request to remedy the deficiencies with a deadline of no less than 7 days. Failing to supply the documents on time can be grounds for refusing entry in the register.<\/p>\n      <\/div>\n\n      <h3>The procedure step by step<\/h3>\n      <ol class=\"m-num\">\n        <li><b>Preparing the company<\/b>Registering a Polish company, usually an Sp. z o.o., which will hold the status.<\/li>\n        <li><b>Preparing the document pack<\/b>Description of the services, the risk management system, the turnover calculation methodology, the business plan, the client funds safeguarding programme and the AML procedures. Usually takes 2\u20134 weeks.<\/li>\n        <li><b>Filing the application with KNF<\/b>Together with the complete set of annexes.<\/li>\n        <li><b>Review by the regulator<\/b>The statutory deadline is up to 3 months from receipt of the complete pack. In practice, with additional queries, it can stretch to 6\u20138 months.<\/li>\n        <li><b>Entry in the register<\/b>The company is entered in the register of small payment institutions and can start operating legally.<\/li>\n      <\/ol>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u041e\u0422\u041a\u0410\u0417\u042b ================= -->\n  <section class=\"m-sec m-sec--alt\" id=\"mip-refusal\">\n    <div class=\"m-wrap m-narrow\">\n      <p class=\"m-kicker\">In practice<\/p>\n      <h2>Why applications stall and get refused<\/h2>\n      <p>From our experience with these projects, the same reasons come up again and again:<\/p>\n\n      <ul class=\"m-ul m-ul--no\">\n        <li><strong>A superficial description of the payment services<\/strong> that does not match the real business model, plus a token business process diagram<\/li>\n        <li><strong>A boilerplate risk management system<\/strong> not tailored to the specific project<\/li>\n        <li><strong>An insufficiently detailed client funds safeguarding programme<\/strong><\/li>\n        <li><strong>A criminal record among the management<\/strong> for offences on the statutory list<\/li>\n        <li><strong>An incomplete document set at the first filing<\/strong> \u2014 on its own this does not cause refusal, but it sharply extends the timeline because of additional KNF queries<\/li>\n      <\/ul>\n\n      <div class=\"m-call m-call--ok\">\n        <span class=\"m-ct\">What this means in practice<\/span>\n        <p>Formally the procedure is simpler than KIP licensing, and that is precisely what misleads applicants. The business model description, the risk management system and the AML procedures must be substantive and match what the company actually does, not copied from a template. The regulator can tell.<\/p>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= FAQ ================= -->\n  <section class=\"m-sec\" id=\"mip-faq\">\n    <div class=\"m-wrap m-narrow\">\n      <p class=\"m-kicker\">FAQ<\/p>\n      <h2>Frequently asked questions about MIP<\/h2>\n\n      <div class=\"m-faq\">\n        <details open>\n          <summary>Is MIP a payment licence in Poland?<\/summary>\n          <div class=\"m-a\"><p>Legally it is an entry (wpis do rejestru) in the register of small payment institutions maintained by KNF, not full licensing. The procedure is simpler and faster than obtaining a KIP authorisation, but the document requirements are still substantive.<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>How long does registration take?<\/summary>\n          <div class=\"m-a\"><p>About 3 months on average. Our team usually needs 2\u20134 weeks to prepare the documents. In practice KNF can enter a company in the register faster, but with additional queries the process stretches to 6\u20138 months.<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>Can an MIP issue electronic money?<\/summary>\n          <div class=\"m-a\"><p>No. Standard MIP status does not grant that right. Issuing e-money requires a separate status \u2014 a small electronic money institution (Ma\u0142a Instytucja Pieni\u0105dza Elektronicznego).<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>Can a new company with PLN 5,000 capital obtain MIP?<\/summary>\n          <div class=\"m-a\"><p>Yes. Even a newly formed company with the minimum share capital can obtain the status. There are also no restrictions on companies registered online through the S24 system.<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>Does an MIP company need a bank account?<\/summary>\n          <div class=\"m-a\"><p>Yes. An MIP must hold a separate bank account for safeguarding user funds, and it must be opened with a Polish bank \u2014 with a Polish IBAN.<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>Can you move from MIP to KIP later?<\/summary>\n          <div class=\"m-a\"><p>Yes, and it is the standard growth path for payment projects: the company starts as an MIP with a lower barrier to entry and, as it nears the turnover cap, applies for KIP using the same organisational and technical infrastructure.<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>Is MIP suitable for a crypto project?<\/summary>\n          <div class=\"m-a\"><p>MIP alone does not permit crypto asset services. But crypto companies often use it as an additional status for accepting and processing fiat payments alongside registration as a crypto asset service provider (VASP\/CASP).<\/p><\/div>\n        <\/details>\n        <details>\n          <summary>What does your fee cover?<\/summary>\n          <div class=\"m-a\"><p>Drafting the payment services description and the business process diagram for your specific project, the risk management system and turnover calculation methodology, the business and financial plan for 12 months, the client funds safeguarding programme, AML\/CFT procedures, filing with KNF and support at every stage including replies to the regulator. The state fee and the supervisory fee are paid separately.<\/p><\/div>\n        <\/details>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= \u0424\u0418\u041d\u0410\u041b ================= -->\n  <section class=\"m-final\">\n    <div class=\"m-wrap m-narrow\">\n      <h2>Why this is worth delegating<\/h2>\n      <p>We take on the payment services description and business process diagram, the risk management system and turnover methodology, the business plan for the first 12 months, the client funds safeguarding programme and AML\/CFT procedures, the KNF filing and support at every stage of the review.<\/p>\n      <p>And if the business outgrows MIP, we help you move up to KIP on the same infrastructure.<\/p>\n\n      <div class=\"m-box\">\n        <h3>Find your status in 2 minutes<\/h3>\n        <p>Four questions about your project \u2014 and you will know which status fits, how long it takes and what it costs. We ask for contact details only at the end, after the result.<\/p>\n        <button type=\"button\" class=\"m-btn m-btn--pri m-quiz\">Start \u2192<\/button>\n        <div class=\"m-msgr\">\n          <!-- TODO-PHONE -->\n          <a class=\"m-tg\" href=\"https:\/\/t.me\/Izibizzz\" target=\"_blank\" rel=\"noopener\" data-m=\"telegram\">Telegram<\/a>\n          <a class=\"m-wa\" href=\"https:\/\/wa.me\/48720740429\" target=\"_blank\" rel=\"noopener\" data-m=\"whatsapp\">WhatsApp<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n<\/div>\n\n\n<!-- ================= \u041a\u0412\u0418\u0417 ================= -->\n<div id=\"nmip-quiz\" role=\"dialog\" aria-modal=\"true\" aria-labelledby=\"mq1\">\n  <div class=\"m-box\">\n    <button class=\"m-close\" type=\"button\" id=\"mq-close\" aria-label=\"Close\">\u2715<\/button>\n    <div class=\"m-bar\"><span id=\"mq-bar\"><\/span><\/div>\n\n    <div class=\"m-step on\" data-s=\"1\">\n      <div class=\"m-num2\">Step 1 of 4<\/div>\n      <h3 class=\"m-q\" id=\"mq1\">What does your project do with client money?<\/h3>\n      <div class=\"m-opts\">\n        <button type=\"button\" class=\"m-opt\" data-q=\"svc\" data-v=\"gate\"><i class=\"m-dot\"><\/i>Payment gateway, acquiring<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"svc\" data-v=\"market\"><i class=\"m-dot\"><\/i>Marketplace \u2014 funds pass through us<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"svc\" data-v=\"remit\"><i class=\"m-dot\"><\/i>Money remittance<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"svc\" data-v=\"crypto\"><i class=\"m-dot\"><\/i>Crypto plus fiat acceptance<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"svc\" data-v=\"emoney\"><i class=\"m-dot\"><\/i>Issuing electronic money, wallets with e-money issuance<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"m-step\" data-s=\"2\">\n      <div class=\"m-num2\">Step 2 of 4<\/div>\n      <h3 class=\"m-q\">What payment turnover do you expect?<\/h3>\n      <div class=\"m-opts\">\n        <button type=\"button\" class=\"m-opt\" data-q=\"turn\" data-v=\"under\"><i class=\"m-dot\"><\/i>Up to EUR 1.5m per month<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"turn\" data-v=\"over\"><i class=\"m-dot\"><\/i>More than EUR 1.5m per month<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"turn\" data-v=\"idk\"><i class=\"m-dot\"><\/i>Hard to estimate yet<\/button>\n      <\/div>\n      <button type=\"button\" class=\"m-back\" data-back>\u2190 Back<\/button>\n    <\/div>\n\n    <div class=\"m-step\" data-s=\"3\">\n      <div class=\"m-num2\">Step 3 of 4<\/div>\n      <h3 class=\"m-q\">Where will you operate?<\/h3>\n      <div class=\"m-opts\">\n        <button type=\"button\" class=\"m-opt\" data-q=\"geo\" data-v=\"pl\"><i class=\"m-dot\"><\/i>Poland only<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"geo\" data-v=\"eu\"><i class=\"m-dot\"><\/i>Poland and other EEA countries<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"geo\" data-v=\"world\"><i class=\"m-dot\"><\/i>Outside the EU<\/button>\n      <\/div>\n      <button type=\"button\" class=\"m-back\" data-back>\u2190 Back<\/button>\n    <\/div>\n\n    <div class=\"m-step\" data-s=\"4\">\n      <div class=\"m-num2\">Step 4 of 4<\/div>\n      <h3 class=\"m-q\">Do you already have a Polish company?<\/h3>\n      <div class=\"m-opts\">\n        <button type=\"button\" class=\"m-opt\" data-q=\"co\" data-v=\"have\"><i class=\"m-dot\"><\/i>Yes, an Sp. z o.o. is registered<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"co\" data-v=\"new\"><i class=\"m-dot\"><\/i>No, it needs to be registered<\/button>\n        <button type=\"button\" class=\"m-opt\" data-q=\"co\" data-v=\"ready\"><i class=\"m-dot\"><\/i>I want to buy a shelf company that already holds the status<\/button>\n      <\/div>\n      <button type=\"button\" class=\"m-back\" data-back>\u2190 Back<\/button>\n    <\/div>\n\n    <div class=\"m-step\" data-s=\"5\">\n      <span class=\"m-rbadge\" id=\"mq-badge\">Preliminary match<\/span>\n      <h3 class=\"m-rname\" id=\"mq-name\">MIP status<\/h3>\n      <p class=\"m-rnote\" id=\"mq-note\"><\/p>\n      <ul class=\"m-rfacts\">\n        <li><b>Price:<\/b> <span id=\"mq-price\">\u2014<\/span><\/li>\n        <li><b>Timeline:<\/b> <span id=\"mq-term\">\u2014<\/span><\/li>\n        <li><b>Next step:<\/b> <span id=\"mq-next\">\u2014<\/span><\/li>\n      <\/ul>\n\n      <form id=\"mq-form\" novalidate>\n        <div class=\"m-field\" id=\"mq-f-name\">\n          <label for=\"mq-nm\">Name <span class=\"m-req\">*<\/span><\/label>\n          <input class=\"m-ctrl\" type=\"text\" id=\"mq-nm\" placeholder=\"John\" autocomplete=\"given-name\" required>\n          <div class=\"m-emsg\">Please enter your name<\/div>\n        <\/div>\n        <div class=\"m-field\" id=\"mq-f-ct\">\n          <label for=\"mq-ct\">Phone or Telegram handle <span class=\"m-req\">*<\/span><\/label>\n          <input class=\"m-ctrl\" type=\"text\" id=\"mq-ct\" placeholder=\"+48 600 000 000 or @nickname\" required>\n          <div class=\"m-emsg\">Leave a phone number or handle so we can reply<\/div>\n        <\/div>\n        <div class=\"m-hp\" aria-hidden=\"true\">\n          <label for=\"mq-hp\">Leave this field empty<\/label>\n          <input type=\"text\" id=\"mq-hp\" tabindex=\"-1\" autocomplete=\"off\">\n        <\/div>\n        <div class=\"m-consent\" id=\"mq-f-cs\">\n          <input type=\"checkbox\" id=\"mq-cs\" required>\n          <!-- TODO-POLICY -->\n          <label for=\"mq-cs\">I agree to the processing of my personal data (<a href=\"\/en\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\">privacy policy<\/a>)<\/label>\n        <\/div>\n        <button type=\"submit\" class=\"m-btn m-btn--pri\" id=\"mq-submit\">Get a review of my project<\/button>\n        <p class=\"m-reassure\">A lawyer will look at your business model and tell you which status fits and what KNF will require.<\/p>\n      <\/form>\n    <\/div>\n\n    <div class=\"m-step\" data-s=\"6\">\n      <div class=\"m-done\">\n        <div class=\"m-ico\">\u2713<\/div>\n        <h3>Request received<\/h3>\n        <p>We will get back to you within 2 business hours. Need it faster \u2014 message us:<\/p>\n        <div class=\"m-msgr\">\n          <!-- TODO-PHONE -->\n          <a class=\"m-tg\" href=\"https:\/\/t.me\/Izibizzz\" target=\"_blank\" rel=\"noopener\" data-m=\"telegram\">Telegram<\/a>\n          <a class=\"m-wa\" href=\"https:\/\/wa.me\/48720740429\" target=\"_blank\" rel=\"noopener\" data-m=\"whatsapp\">WhatsApp<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\n  'use strict';\n  if(window.__nmipReady_en) return;\n  window.__nmipReady_en = true;\n\n  function init(){\n    var root = document.getElementById('nmip');\n    var quiz = document.getElementById('nmip-quiz');\n    var hero = document.getElementById('mip-hero');\n    var sticky = document.getElementById('mip-sticky');\n    var card = document.getElementById('mip-card');\n    if(!root || !quiz) return;\n\n    \/* \u043c\u043e\u0434\u0430\u043b\u043a\u0443 \u0438 \u043f\u0430\u043d\u0435\u043b\u044c \u2014 \u0432 \u043a\u043e\u043d\u0435\u0446 body, \u0438\u043d\u0430\u0447\u0435 \u0430\u043d\u0438\u043c\u0430\u0446\u0438\u0438 Elementor \u043b\u043e\u043c\u0430\u044e\u0442 position:fixed *\/\n    document.body.appendChild(quiz);\n    if(sticky){\n      document.body.appendChild(sticky);\n      document.body.classList.add('mip-sticky-on');\n    }\n\n    var dl = function(n, d){\n      window.dataLayer = window.dataLayer || [];\n      var p = {event:n}; if(d){ for(var k in d){ p[k] = d[k]; } }\n      window.dataLayer.push(p);\n    };\n\n    var CTX = (function(){\n      var q = new URLSearchParams(location.search), o = {};\n      ['gclid','wbraid','gbraid','utm_source','utm_medium','utm_campaign',\n       'utm_content','utm_term'].forEach(function(k){ if(q.get(k)) o[k] = q.get(k); });\n      o.page = location.pathname; o.ref = document.referrer || 'direct'; o.topic = 'mip'; o.lang = 'en';\n      return o;\n    })();\n\n    if(CTX.gclid){\n      document.querySelectorAll('a[href*=\"t.me\/\"]').forEach(function(a){\n        a.href = a.href.split('?')[0] + '?text=' +\n                 encodeURIComponent('Lead #' + CTX.gclid + ' \u2014 MIP');\n      });\n    }\n\n    document.addEventListener('click', function(e){\n      var a = e.target.closest && e.target.closest('[data-m]');\n      if(a) dl('click_messenger', {channel:a.getAttribute('data-m'), value:25, currency:'EUR', topic:'mip'});\n    });\n\n    \/* \u0432\u043a\u043b\u0430\u0434\u043a\u0438 \u043f\u0435\u0440\u0432\u043e\u0433\u043e \u044d\u043a\u0440\u0430\u043d\u0430 *\/\n    if(hero){\n      var tabs = hero.querySelectorAll('.h-tab'), panes = hero.querySelectorAll('.h-pane');\n      tabs.forEach(function(t){\n        t.addEventListener('click', function(){\n          var k = t.getAttribute('data-t');\n          tabs.forEach(function(x){\n            var on = x === t;\n            x.classList.toggle('on', on);\n            x.setAttribute('aria-selected', on ? 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Or we source a company that already holds the status. A complete document pack built to the regulator&#8217;s requirements&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12649","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SPI Licence in Poland \u2014 Small Payment Institution Experts Guide<\/title>\n<meta name=\"description\" content=\"SPI Licence in Poland \u2014 Experts Guide for Small Payment Institution. SPI works in Poland, how to get it, what documents are required.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/napolshu.com\/en\/mip_poland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SPI Licence in Poland \u2014 Small Payment Institution Experts Guide\" \/>\n<meta property=\"og:description\" content=\"SPI Licence in Poland \u2014 Experts Guide for Small Payment Institution. 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