mojeID integration: Poland's bank-based eID for businesses
mojeID is Poland's bank-based login. What it is, what is and is not published about users, data and assurance, the AML act Article 37(1) and AMLR rules, how to connect, fallbacks and a checklist.
In short
mojeID is a bank-based eID (electronic identification) in Poland: the user confirms who they are with their online bank account instead of a photo of a document. According to e-prawnik.pl, it is run by KIR and connects banks to the state login node login.gov.pl.
- mojeID is not on the EU list of notified eID schemes. Poland's notified means are the trusted profile and the e-dowód ID card.[1]
- No official user count, price, attribute list or level of assurance for mojeID appears in the primary sources we checked (5 October 2026).
- Plan mojeID next to a document route with chip reading, and anchor it in Article 37(1) of the Polish AML (anti-money laundering) act.[5]
This guide is for a business that wants to accept mojeID in a sign-up: what it is, what the user sees, what you receive, the law in Poland and the EU, how to connect, and the fallback when a customer cannot use it.
Where the operator or the state publishes nothing, we say so with the date we checked. New to the topic: start with what eID verification is.
What mojeID is: Poland's bank-based eID
Poland runs one state login hub, login.gov.pl, the national electronic identification node. Its own page tells citizens to "use your online bank account to confirm identity" ("Wykorzystaj internetowe konto bankowe, by potwierdzić tożsamość"), and it gives integrators one integration interface.[2] According to e-prawnik.pl, the node went into production in 2018 and banks connect to it through commercial nodes such as KIR's mojeID, used by commercial and cooperative banks.
mojeID
Poland's bank-based electronic identification service
One name, two schemes. Czechia also has an eID called mojeID, run by CZ.NIC, and that one is EU-notified.[1] The table keeps the two apart.
| Point | Poland's mojeID | Czechia's mojeID |
|---|---|---|
| Built on | Online bank accounts[2] | A private eID means; its level High login uses a FIDO key[13][14] |
| EU notification | Not on the EU list[1] | Notified 27 September 2021, with the Mobile eGovernment Key[1] |
| Level of assurance | Not published | Low, Substantial and High in the notified scheme[1] |
| Usage figure | Not published | 8,000 activated with a FIDO key (18 February 2026); 14,969 level High logins in 2024[13][14] |
| AML rule | AML act Art. 37(1)[5] | AML act § 8a: level High in a qualified system, or a bank identity[15] |
How many people use mojeID
No mojeID user count, transaction count or share of the adult population is published in the sources we checked (5 October 2026). The figures below are for Poland's state credentials. They show the scale of Polish eID, not mojeID's reach.
State credential figures from the Minister of Digital Affairs (2025) and the Ministry of Digital Affairs (28 January 2026).[3][4]
What the user sees
mojeID's own screens are not published in the sources we checked. Only the principle is documented: login.gov.pl lets a person use an online bank account to confirm identity.[2] The strip is a hypothetical integration design: its bank chooser, bank login, consent screen and return step are unverified.
Choose how to verify
Confirm who you are with your bank.
mojeID
Use an ID document instead
1Hypothetical: the user picks mojeID.
Choose your bank
Continue
2Hypothetical: the user chooses a bank.
Log in to your bank
3Hypothetical: a bank login.
Share your data
Confirm
4Hypothetical: a consent screen.
Identity confirmed
5Hypothetical: back to your service.
Same-device and cross-device variants are not documented.
The user logs in and consents
A bank-based login through a commercial node, simplified. The node role is according to e-prawnik.pl; message names are generic.
What a business receives from mojeID
No attribute list for mojeID appears in the primary sources we checked (5 October 2026). We cannot say which fields are always returned, which are optional, or whether the PESEL number (the national population register number), an address or a portrait is included. Ask the operator before you design your form. As a benchmark:
| Attribute | mojeID | Profil mObywatel (state eID means) | Document route with chip reading |
|---|---|---|---|
| Full name | Not published | Always: first names and surname[17] | Always, read from the chip |
| Date of birth | Not published | Always[17] | Always |
| PESEL | Not published | Always[17] | Where the document carries it |
| Address | Not published | Not in the act's list[17] | Only where the document prints it |
| Portrait | Not published | Not in the act's list[17] | Chip photo, matched to a live selfie |
| Level of assurance | Not published | Two-factor login required by law[17] | Set by your checks |
Article 36 of the AML act lists the data to collect. It asks for the name, the citizenship, the PESEL number (or the date of birth and country of birth where no PESEL was assigned), the series and number of the identity document, and the address where the firm holds it.[5] A login that returns no document number leaves a gap you fill another way.
Is mojeID enough for AML checks in Poland
National law today
The Act of 1 March 2018 on counteracting money laundering and terrorist financing sets how a customer's identity is verified.[5]
Article 37(1)Act of 1 March 2018 on counteracting money laundering and terrorist financing
"Weryfikacja tożsamości klienta [...] polega na potwierdzeniu ustalonych danych identyfikacyjnych na podstawie dokumentu stwierdzającego tożsamość osoby fizycznej [...] lub innych dokumentów, danych lub informacji pochodzących z wiarygodnego i niezależnego źródła, w tym, o ile są dostępne, ze środków identyfikacji elektronicznej [...]"
Source: ISAP, consolidated text[5]
In English: verification relies on an identity document, or on other documents, data or information from a reliable and independent source, including electronic identification means where available. The act does not name mojeID, and we found no official guidance that classifies it as an electronic identification means for this article (5 October 2026). Banks should also read the Polish Financial Supervision Authority (KNF) position on video verification of 5 June 2019.[9] According to a Taylor Wessing legal alert, positions of 3 March 2022 and 29 September 2023 followed.
EU level of assurance and the AMLR from 2027
Levels of assurance under eIDAS (the EU electronic identification regulation) are low, substantial and high. Poland's notified scheme, the Public Electronic Identification System, covers the trusted profile and the e-dowód at Substantial and High, notified on 19 April 2023. mojeID is not named.[1] The European Banking Authority (EBA) remote onboarding guidelines, in force since 2 October 2023, treat notified eID at Substantial or High as meeting their criteria.[8]
From 10 July 2027 the AMLR (the EU Anti-Money Laundering Regulation, Regulation (EU) 2024/1624) applies across the EU.[6] Its Article 22(6) gives two routes to verify identity:
Article 22(6)Regulation (EU) 2024/1624
"(a) the submission of an identity document, passport or equivalent and, where relevant, the acquisition of information from reliable and independent sources [...]; (b) the use of electronic identification means which meet the requirements of Regulation (EU) No 910/2014 with regard to the assurance levels 'substantial' or 'high' and relevant qualified trust services as set out in that Regulation."
Source: EUR-Lex, Regulation (EU) 2024/1624[6]
Point (b) turns on the eIDAS level. Until mojeID's level is published and shown to meet Substantial or High, a business cannot rely on point (b) for it, and point (a) starts from an identity document. The final draft standards of AMLA (the EU Anti-Money Laundering Authority), dated 30 September 2026 and not yet law, call the Article 22(6) means "the default option" and ask firms to justify any alternative route.[7]
How a business connects to mojeID
login.gov.pl is built for public services ("usług publicznych").[2] Whether a private company can join the state node directly, and on what terms private companies reach bank identity data through mojeID, is not confirmed by a primary source we checked. Prices, certification steps, lead time and a test environment are not published either (5 October 2026).
Option 1
Direct agreement with the operator
- You contract the operator yourself
- Terms and prices not published
- You build and run the integration
Ask for level, data and test access
Option 2
Through an intermediary
- Only if the operator allows resale
- One integration for several eIDs
- Certification rules not published
Ask which contract covers you
Today
Document with chip reading
- Chip reading for supported chip-enabled passports and ID cards; document capture for other supported documents
- Liveness and face match close the loop
- Fits AML act Art. 37(1)
AMLR Art. 22(6)(a) from 2027
Ways to add mojeID to a sign-up, and the route without it.[5][6]
For other bank-based eIDs, see iDIN integration for the Netherlands and BankID Norway integration.
Use cases for mojeID in Poland
| Use case | Rule that applies | Where mojeID could fit | Route to run beside it |
|---|---|---|---|
| KYC and AML onboarding | AML act Art. 37(1); KNF positions; AMLR Art. 22(6) from 2027[5][9][6] | An independent source, once its status is confirmed | Document with chip reading, liveness, face match |
| Gambling and age checks | Digital Services Act (DSA) Art. 28 guidelines expect age verification for "access to gambling content"[12] | Date of birth, if returned | Age verification with an ID document. Estimation is only a temporary alternative while verification is not readily available, if proven comparable[12] |
| Telecom | An example area in eIDAS Art. 5f(2) for wallet acceptance[10] | Online contract sign-up | EUDI Wallet once offered |
| Signing | mObywatel offers a qualified signature since October 2025[4] | Signing via mojeID not documented | A qualified signature service |
We found no published position from Poland's gambling or telecom regulators on mojeID or bank-based eID as of 5 October 2026.
Limits, fallbacks and the EUDI Wallet
Because mojeID builds on online banking, a customer without an online account at a participating bank cannot use it. Rules for foreigners, non-residents and minors are not published in the sources we checked. For comparison, the mDowód in mObywatel is open only to Polish citizens aged 13 and over who have had an ID card.[16] We found no published mojeID outage or security incident (5 October 2026).
1Offer eID first
mojeID or another eID the customer holds.
The customer completes an eID login
Check the returned data
Collect any field the eID did not return.
Verify with a document
Chip reading, liveness, face match.
2Screen and record the route
AML screening, plus why this route was used.
eID first, document as fallback. AMLA's draft asks firms to justify the alternative route.[7]
Next comes the EUDI (European Digital Identity) Wallet. Every Member State must offer one by 24 December 2026, and wallets are provided under a scheme at level High.[10] Poland's wallet builds on mObywatel, and a sandbox for companies is open.[11] Private relying parties that are required by law or by contract to use strong user authentication for online identification must accept it at the user's request by 24 December 2027, with micro and small enterprises exempt. Banking, financial services and telecommunications are examples.[10] The portrait becomes a mandatory wallet attribute only from 11 August 2028.[18] More on the EUDI Wallet page and in eID verification in Poland.
mojeID integration checklist
- Ask the operator for the attribute list and a test environment.
- Get the level of assurance, prices and lead time in writing.
- Map each attribute to AML act Article 36.[5]
- Record mojeID as a source under Article 37(1).[5]
- Build a document route with chip reading for everyone else.
- Plan EUDI Wallet acceptance before 24 December 2027 if Article 5f(2) covers you.[10]
How Didit helps with eID verification for Polish customers
Didit adds mojeID for Poland on request. Czechia's mojeID, run by CZ.NIC, is on Didit's roadmap.
What works in Poland today is the document route: ID verification with NFC (near-field communication) chip reading ($0.15) of passports and ID cards, liveness and face match, as a full KYC (Know Your Customer) check at $0.33. Add AML screening at $0.20 against 1,300+ sanctions, PEP (politically exposed person) and watchlists, and ongoing monitoring at $0.07 per person per year. Age estimation costs $0.10 per check.
In the same workflow, Didit already runs MitID, BankID Sweden, Finnish Trust Network, Smart-ID and Mobile-ID. EUDI Wallet acceptance is coming soon. Setup and results are in the digital ID wallets docs.[19]
Didit provides
- Document checks with NFC chip reading, liveness and face match
- AML screening and ongoing monitoring
- The evidence of every check
Stays with you
- The AML risk assessment and policies
- The onboarding decision
- The choice of eID sources you accept
Bring mojeID to your Polish sign-up
Tell us where your users sign in, and start with the document route today.
Key takeaways
- Poland's mojeID is a bank-based login and is not on the EU list of notified schemes.
- Czechia's mojeID is a different, EU-notified scheme.
- Users, prices, data and level of assurance for Poland's mojeID are not published in primary sources (5 October 2026).
- The AML act's Article 37(1) accepts eID means where available; the AMLR applies from 10 July 2027.
Frequently asked questions
What is mojeID?
mojeID is a bank-based login in Poland: the user confirms their identity with their online bank account. According to e-prawnik.pl, KIR runs it as a commercial node that connects banks to the state login node login.gov.pl.[2]
How much does mojeID cost a business?
No price is published in the primary sources we checked (5 October 2026). Ask the operator for a written quote. For citizens, the state node login.gov.pl is free.[2]
What data does mojeID return?
The attribute list is not published in the primary sources we checked. By comparison, the state eID means profil mObywatel carries first names, surname, date of birth and PESEL.[17]
Is mojeID notified under eIDAS?
Poland's mojeID is not. Poland's notified scheme covers the trusted profile and the e-dowód at Substantial and High, notified on 19 April 2023.[1] Czechia's mojeID, a different scheme, was notified on 27 September 2021.[1]
What level of assurance does mojeID have?
No level is published for Poland's mojeID in the sources we checked. Under the AMLR, the eID route in Article 22(6)(b) needs means that meet the eIDAS requirements for Substantial or High.[6]
Can I use mojeID for AML customer due diligence in Poland?
Article 37(1) of the AML act lets you verify identity with reliable and independent sources, including eID means where available.[5] No official guidance classifies mojeID for that article as of 5 October 2026, so record your assessment and keep a document route.
Can minors and foreigners use mojeID?
The eligibility rules are not published in the sources we checked. mojeID needs an online account at a participating bank, so anyone without one cannot use it.
How long does a mojeID integration take?
No onboarding lead time is published (5 October 2026). Ask the operator for dates before you plan a launch.
Is there a mojeID test environment?
A test environment is not documented in the sources we checked. Ask for test access before you commit to a build.
What is the difference between Poland's and Czechia's mojeID?
They share a name only. Poland's is a bank-based login. Czechia's is an EU-notified eID run by CZ.NIC, with 8,000 means activated with a FIDO key at 18 February 2026.[13]
Sources
- Overview of pre-notified and notified eID schemes under eIDAS, European Commission, read 5 October 2026.
- login.gov.pl, national electronic identification node, gov.pl.
- Answer to interpellation no. 7605, Minister of Digital Affairs, 2025.
- 11 milionów mObywateli i rekordowy rok w aplikacji mObywatel, Ministry of Digital Affairs, 28 January 2026.
- Act of 1 March 2018 on counteracting money laundering and terrorist financing, consolidated text, ISAP.
- Regulation (EU) 2024/1624 (AMLR), EUR-Lex, Articles 22(6) and 90.
- Final Report, draft RTS under Article 28(1) AMLR, AMLA, 30 September 2026.
- Guidelines on the use of remote customer onboarding solutions (EBA/GL/2022/15), European Banking Authority.
- Position on customer identification by video verification in banks, Polish Financial Supervision Authority, 5 June 2019.
- Regulation (EU) 2024/1183 (eIDAS 2), EUR-Lex, Articles 5a and 5f.
- mObywatel information service, Ministry of Digital Affairs, EUDI Wallet sandbox news.
- Guidelines on the protection of minors under Article 28 DSA (C/2025/5519), EUR-Lex.
- 5 million citizens have used a digital identity, Digital and Information Agency (DIA), Czechia, 19 February 2026.
- Identita občana statistics 2024, NAKIT, Czechia.
- Act No. 253/2008 Coll. on anti-money laundering measures, § 8a, Czechia.
- mDowód, mObywatel information service.
- Act of 26 May 2023 on the mObywatel application, Dz.U. 2023 poz. 1234, Sejm, Articles 2 and 14.
- Commission Implementing Regulation (EU) 2026/1731, EUR-Lex, portrait in the PID from 11 August 2028.
- Digital ID wallets, Didit documentation.
Compare mojeID with every other national eID on the eID verification page, or start from what eID verification is.
One workflow for Polish customers and everyone else
Start with the document route, add the eIDs your customers already use, and keep both in the same flow.
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