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Banking

Poland — Banking: International Transfers

Polish transfers run on NBP-overseen rails: SORBNET3 for large PLN payments, TARGET-NBP for EUR, Elixir for retail PLN, Euro Elixir for EUR and Express Elixir for instant transfers.

VerifiedGovernment / official sourceNBP – List of payment systems and schemes under the oversight of the Governor of NBPLast reviewed: 2026-10-26

Why this matters

International transfers can be a significant part of a relocating person's financial planning, and understanding the process in Poland can help them make informed decisions.

Key facts

  • SORBNET3, operated by NBP, is the large-value payment system for PLN; TARGET-NBP is the large-value system for EUR and a component of TARGET.
  • Elixir, operated by Krajowa Izba Rozliczeniowa (KIR), is the systematically important retail payment system for PLN.
  • Euro Elixir (KIR) is the retail payment system for EUR, classed as prominently important.
  • Express Elixir (KIR) is an instant payment system; BlueCash (Autopay) is another instant system.
  • BLIK, run by Polski Standard Płatności, is the mobile payment system and scheme; Visa, Mastercard and American Express are the overseen card schemes.

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