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How to Get an SPI License in Poland: Fast-Track Your Payment Services Business
Why SPI Licensing? – SPI in Numbers
$165.3 Billion Payments Market
Poland’s card and payments market reached $165.3 billion in 2023, making it a hub for financial services innovation.
3-Month Licensing Process
Fast-track your business entry with an SPI license, achievable in just three months.
Zero Capital Requirements
Poland has no mandatory capital requirements for SPI licensing, lowering financial barriers for new entrants.
100% AML Compliance Support
Mandatory AML/CFT compliance officer recruitment ensures adherence to Polish regulatory standards.
EU-Wide Market Potential
An SPI license opens doors to the broader EU market, enabling scalable growth across member states.
Full-Service Solution – We Handle Every Step
Effortless Entry into the EU Market
Secure an SPI license in Poland to access the EU financial market seamlessly, offering your services across the region.
Quick and Remote Licensing Process
Our team ensures the entire process is handled remotely, from LLC registration to compliance. No travel is required.
Compliance Support
We provide end-to-end AML/CFT services, including compliance officer recruitment and onboarding, tailored to meet Polish and EU regulations.
Flexible Solutions for Growing Businesses
Scale your operations with our fully customizable services, designed to align with your company’s goals and growth strategy.
Trusted by Emerging and Established Businesses
We’ve helped fintech startups and financial leaders establish a compliant presence in Poland’s thriving payments ecosystem.
What You Get (Why Choose Us?)
We simplify the SPI licensing process by managing all requirements from start to finish. Our services make sure that your journey to compliance is hassle-free.
Our services (in a nutshell):
Business Setup
Register your LLC seamlessly and structure your share capital in compliance with Polish laws.
Document Preparation
Detailed business and financial plans, AML/CFT policies, and operational frameworks tailored to your project.
Application Submission
Professional submission and management of your SPI application to the Polish Financial Supervision Authority (KNF).
Compliance Officer Integration
Recruitment and onboarding of a dedicated AML/CFT Compliance Officer.
Post-Licensing Support
Continued compliance monitoring, regular updates to policies, and reporting assistance so that your business maintains regulatory standing.
Your Journey to Regulation (Step-by-Step)
Step 1: Free Initial Consultation
Overview:
Begin with a complimentary consultation to understand your business needs and goals for SPI licensing.
Purpose:
We’ll assess your eligibility, explain the process, and outline the necessary steps to secure your SPI license in Poland.
Step 2: Company Incorporation
Process:
We handle the creation of your limited liability company (LLC) in Poland, ensuring compliance with the Polish Commercial Companies Code.
Details:
- Business Name Verification
- Registration with the National Court Register (KRS)
- Declaration of Share Capital (minimum PLN 5,000)
Why It’s Important:
Proper incorporation is essential for SPI application approval and future operations.
Step 3: Document Preparation
What’s Included:
We prepare all required documentation, including:
- Business and Financial Plans
- AML/CFT Compliance Policies
- Risk Management Frameworks
- Security Incident Handling Procedures
Goal:
To present a comprehensive, regulator-ready application that demonstrates your commitment to compliance.
Step 4: SPI Application Submission
Process:
We compile and submit your SPI application to the Polish Financial Supervision Authority (KNF).
What to Expect:
- Coordination with regulatory authorities for a seamless submission process.
- Responses to any additional queries or requirements during the review phase.
Step 5: Compliance Officer Recruitment
Service:
We recruit a qualified AML/CFT Compliance Officer tailored to your business needs.
Why It’s Essential:
A dedicated Compliance Officer ensures adherence to AML regulations and acts as a liaison with KNF.
Step 6: Virtual Office Setup
Service:
We provide a registered virtual address in Poland for official correspondence and regulatory compliance.
Why It Matters:
Establishing a local presence enhances your credibility and ensures compliance with Polish regulations.
Step 7: Post-Licensing Support
What’s Included:
- Ongoing compliance monitoring and reporting.
- Regular updates to AML/CFT policies in line with evolving regulations.
- Access to accounting and financial management services.
Why It’s Important:
Staying compliant ensures your license remains valid and supports smooth business operations.
Frequently Asked Questions (FAQ)
What is an SPI license?
An SPI license allows businesses to offer payment services like remittances, card management, and transaction processing in Poland.
What are the capital requirements for an SPI license in Poland?
Poland has no mandatory capital requirements for SPI licensing, making it accessible to startups.
How long does it take to obtain an SPI license?
The SPI licensing process in Poland typically takes up to three months.
What services can I provide with an SPI license?
You can offer money remittance, card issuance, direct debits, payment transactions, and more.
Do I need a local office or staff in Poland?
A compliance officer is mandatory, but a physical office is not required. Virtual address services are available.
Can foreign companies apply for an SPI license in Poland?
Yes, foreign companies can apply, provided they meet the Polish regulatory requirements.
Why choose Poland for SPI licensing?
Poland offers fast processing, no capital requirements, and access to a booming financial services market.
What is the role of the KNF in SPI licensing?
The KNF is Poland’s Financial Supervision Authority, overseeing the registration and regulation of SPI licenses.
Is AML compliance mandatory for SPI licensing?
Yes, every SPI must appoint an AML compliance officer and adhere to strict AML/CFT regulations.
