Open Banking in Poland

Poland transposed PSD2 through amendments to the Ustawa o usługach płatniczych, with the Komisja Nadzoru Finansowego (KNF) overseeing compliance. Poland developed its own PolishAPI standard through the Polish Bank Association, used alongside Berlin Group NextGenPSD2.

Poland's banking sector is one of Central Europe's most advanced in digital services, with widespread adoption of mobile banking and digital payments. Major banks including PKO BP, Bank Pekao, mBank, and ING Bank Śląski have implemented open banking APIs. The BLIK mobile payment system demonstrates the market's appetite for digital financial innovation.

Poland's large population and dynamic fintech sector make it the most significant open banking market in Central and Eastern Europe. Warsaw has attracted growing fintech investment, with companies leveraging PSD2 APIs for innovative payment and financial management services.