COREDO > Companies for Sale > Financial companies for sale > SPI Licence in Poland

SPI Licence in Poland

SPI Licence in Poland: Ready-Made Company with KNF License

SPI (Small Payment Institution) is a license for companies providing payment services in Poland. SPI attracts fintech startups and payment platforms due to the absence of minimum capital requirements and fast licensing timelines (~3 months).

COREDO offers a ready-made SPI company with an active license, as well as services for acquiring a new license.

Get a Consultation

Cost of the service
from EUR 60,000

Process of Purchasing a Ready-Made SPI Company in Poland

Application

the client contacts COREDO specialists with a request to purchase an SPI company.

01

Discussion of terms

the parties agree on the transaction details, review documentation, verify the completeness of the license.

02

Formalization

preparation and signing of a contract with all agreed terms, including transfer conditions.

03

Transfer

change of ownership in the KNF register, transfer of all documents, access and company management.

04

Key Parameters of SPI in Poland

Monthly turnover limit:

≤ EUR 1,500,000 (maximum average monthly payment volume)

Limit per client:

≤ EUR 2,000 (maximum funds a single client can hold)

Minimum capital:

Not required (unlike some other licenses)

Regulator:

KNF (Komisja Nadzoru Finansowego)

Directive:

PSD2 (Payment Services Directive 2; PSD3/PSR in legislative process)

Validity period:

3–5 years (subject to renewal)

Comparative Table: SPI and NPI in Poland

Parameter	SPI (Small Payment Institution)	NPI (National Payment Institution)
Monthly Turnover	≤ EUR 1,500,000	Unlimited
Limit per Client	≤ EUR 2,000	Unlimited
Range of Services	Limited scope	Full range of payment services
Minimum Capital	Not required	Not required
Complexity of Acquisition	Medium (~3 months)	High (4–6 months)
COREDO Cost	EUR 60,000	EUR 180,000+
Target Audience	Startups, fintech platforms	Large payment operators
Use Case	Starting license	Scaling, expansion

Our Experts

Pavel Kos

Head of Legal at COREDO with extensive experience in financial regulation. Pavel specializes in structuring payment licenses, supporting transactions with ready-made companies, and developing compliance documentation for KNF. Education: University of Finance and Administration, Prague.

Gregory Lutsenko

Chief specialist in anti-money laundering and development of internal procedures for the payment sector. Gregory oversees the implementation of AML/CFT policies, organizes sanctions compliance and PEP screening, and prepares regulatory documentation for acquiring and maintaining SPI status. Education: Metropolitan University Prague.

Alena Mach

Executive Director

Nikita Veremeev

Founder & NED

Case Studies

Case 01Remittance Startup in Poland.

A remittance fintech startup targeting Poland and cross-border EUR transfers required rapid SPI authorization and corridor activation. COREDO coordinated the full KNF application including business plan, compliance framework, and risk management policies, advising on AML documentation setup. SPI registered within 3 months; EUR/PLN and EUR/USD corridors activated immediately upon authorization, enabling full remittance operations.

Case 02E-Commerce Payment Service Provider in Poland.

An established European payment processor expanded to Poland for merchant acquiring and online payment services. COREDO prepared the full KNF authorization package including AML/CFT policies, transaction monitoring systems, and fraud prevention framework. SPI licence granted in 3 months; the processor launched live merchant acquiring within 2 weeks of authorization, onboarding over 30 merchants in the first month.

Case 03Cross-Border Fintech in Poland.

A multi-corridor payment platform required SPI authorization in Poland plus regulatory passportization to 5 additional EU member states (Czechia, Lithuania, Estonia, Latvia, Spain). COREDO managed the KNF application and coordinated EU passportization notifications. SPI authorized within 3 months; passportization across all 5 markets completed in a further 3 months, enabling operations in all target jurisdictions within 6 months total.

Discuss Your Acquisition

COREDO Advantages

Ready-made company with license

active SPI with a complete AML/CFT documentation package, change of ownership included in the price.

Two options

purchase a ready-made company (EUR 60,000) or acquire a new license (from EUR 60,000) depending on client needs.

Fast licensing

~3 months to acquire an SPI license with full compliance with KNF requirements.

Full range of services

from company registration and documentation preparation to ongoing AML compliance and periodic audits.

Experience since 2016

extensive experience with financial licenses in 27 EU jurisdictions, including Polish regulatory specifics.

Team of experts

Pavel Kos (Head of Legal) and Grigorii Lutcenko (Head of Compliance) are ready to support you at all stages.

Contact us

Frequently Asked Questions

What types of payment services are permitted for SPI in Poland?

SPI license allows money remittance, cryptocurrency operations, currency exchange (forex dealing), payment services, and acceptance of payments from merchants. Each expansion of services requires coordination with KNF.

Can an SPI company operate in other EU countries through passporting?

Yes. An SPI registered with KNF in Poland can notify regulators in other EU member states through the EU passporting procedure under PSD2. This enables cross-border payment services without obtaining a separate licence in each country. COREDO supports the full passportization notification process for all target jurisdictions.

Can a non-resident be a director of an SPI company in Poland?

Yes. A non-resident of Poland can be a director of an SPI company, provided that their identity and financial status are fully verified (UBO register). This simplifies market entry for international entrepreneurs and investment companies.

What ongoing AML/CFT obligations must an SPI holder comply with?

An SPI registered with KNF must maintain an up-to-date AML/CFT policy, conduct periodic risk assessments, apply transaction monitoring, report suspicious transactions to GIIF (Poland’s financial intelligence unit), and train staff. COREDO offers annual documentation updates and periodic AML audits to keep SPI holders fully compliant.

What should be done if payment volumes exceed the EUR 1,500,000/month limit?

When the limit is exceeded, SPI must transition to NPI (National Payment Institution) with higher requirements and expenses. COREDO supports the process of scaling from SPI to NPI.

How long does a change of ownership of a ready-made company take?

The change of ownership process typically takes 2–4 weeks, depending on the speed of KNF coordination and completion of formalities. COREDO accelerates the process thanks to its experience working with the Polish regulator.

Contact COREDO

Interested in a ready-made SPI company in Poland or need help acquiring a license? Our financial licensing experts are ready to help you enter the Polish payment services market.

Phone: +420 228 886 867 · Email: info@coredo.eu K Cervenemu dvoru 3269/25a, Prague, 130 00, Czech Republic

Jurisdictions: Financial Licenses in Other Countries

COREDO offers similar services for licensing payment and financial companies in other European jurisdictions:

Czech Republic — EMI and PSP licenses, registration of financial companies

Lithuania — CASP licenses (crypto-assets), PSP licenses

Canada — MSB (Money Services Business) license, registration of payment companies

Estonia — EMI and PSP licenses, CASP registration

Portugal — Financial services, PSP licensing

All services are available with ready-made companies or full licensing from scratch.

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