Banking
Poland — Banking: Credit History
Polish credit history is held by BIK, a credit bureau set up by banks under the Banking Law of 29 August 1997 and used by lenders and payment-instrument issuers.
VerifiedGovernment / official sourceBIK – Biuro Informacji Kredytowej (Polish credit bureau)Last reviewed: 2026-10-26
Key facts
- BIK (Biuro Informacji Kredytowej S.A.) operates under the Banking Law of 29 August 1997 and was established by banks together with bank chambers of commerce.
- Users of BIK data are banks and other institutions legally authorised to grant credits and loans, plus issuers of electronic payment instruments.
- Under Art. 68(4) of the Act on Electronic Payment Instruments, BIK may collect and share information on holders of such instruments with issuers.
- Shareholders include PKO Bank Polski, Bank Pekao, ING Bank Śląski, mBank, Bank Millennium, BNP Paribas Bank Polska and the Polish Bank Association.
- The Act on Sharing and Disclosure of Economic Information allowed BIK to cooperate with Economic Information Bureaus and expanded the data in credit reports.