Identity verification in Poland
Document verification, biometric liveness and AML screening for businesses operating in Poland — at $0.30 per verification.
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Poland runs the largest banking system in CEE and, by almost every measure, the most sophisticated digital-payments culture outside Scandinavia. The Polish Fintech Map 2025 counts 383 active fintechs, up ~39% from two years earlier, with payments (76), financial software (58), and enterprise finance (41) as the largest sub-sectors. Roughly two-thirds of Polish fintechs are B2B, and about 30% now exceed 100 employees — evidence of a maturing scale-up pipeline rather than a seed-stage bubble. The gravitational center is BLIK, a mobile payment scheme co-owned by PKO BP, Santander Bank Polska, Alior, ING Bank Śląski, mBank, and Millennium. BLIK processed 665 million transactions in Q1 2025 alone (up 28% year-on-year), has more than 13 million active users, contributed roughly 1.2% of Polish GD
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Regulators
Komisja Nadzoru Finansowego, Poland's integrated financial supervisor, licenses and oversees banks, EMIs, PIs, investment firms, insurers, and — under the MiCA transition — crypto-asset service provid
Generalny Inspektor Informacji Finansowej, Poland's Financial Intelligence Unit, sitting inside the Ministry of Finance
Urząd Ochrony Danych Osobowych, the Polish data-protection authority, enforces GDPR (locally known as RODO
Narodowy Bank Polski, the central bank, which runs the national payment system and co-owns oversight of systemic stability
Krajowa Administracja Skarbowa, which maintained the Polish VASP register from 31 October 2021 until MiCA's application on 30 December 2024 and continues to handle tax and customs enforcement
the primary rule-making ministries, responsible respectively for the AML regime and the Profil Zaufany / mObywatel identity stack
the Council of Europe body that evaluates Poland against FATF standards
Ministry of Digital Affairs
regulated
Universal Electronic System for Registration of the Population. 11-digit PESEL number assigned to all residents. Electronic verification available to authorized entities via government gateway.
Ministry of Digital Affairs
regulated
Digital identity system for online authentication with government services. Free to use. Can be confirmed via bank identity or in person.
Ministry of Digital Affairs
regulated
Mobile app providing digital ID card, driving license, and other documents. mObywatel can be used for identity verification in some commercial contexts.
Ministry of Justice
open
National Court Register for businesses. Free online search available.
Government & regulated databases
Compliance framework
AML framework
Supervised by KNF
Poland's AML/CFT, financial supervision, and data-protection architecture is built on four pillars:
Data protection
Supervised by UODO
Poland implements the GDPR via the Act of 10 May 2018 on personal data protection and enforces through UODO. Key constraints for a KYC vendor:
Penalties for non-compliance
- KNF publishes an administrative penalty register and has imposed multi-million-PLN fines on banks and investment firms for AML governance failures, including remote-onboarding controls.
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
For banks, EMIs, payment institutions, and investment firms, the operational framework is:
Exchanges, custodians, wallets, on/off-ramps.
From 31 October 2021 until 30 December 2024, Polish crypto-asset businesses operated under the national rejestr działalności w zakresie walut wirtualnych maintained by the Krajowa Administracja Skarbowa (KAS). Registration required (among other things) AML Act compliance, including Article 34 CDD an
Sports betting, online casinos, age-gated platforms.
The Polish gambling market is governed by the Act of 19 November 2009 on gambling games (Ustawa o grach hazardowych), administered by the Minister of Finance. The structure is unusual in Europe:
Gig platforms, delivery, creator economy, e-commerce.
Allegro is the dominant Polish marketplace (sometimes described as "Poland's Amazon") and has always operated a seller-verification process. Under the EU Digital Services Act, which has been fully applicable to online platforms since 17 February 2024 and which designates Allegro as a platform subjec
Biometric liveness
Poland does not impose a specific PAD-level requirement on its own, but the KNF 2023 stanowisko explicitly calls for liveness detection proportional to the risk of the method and references the EBA Guidelines, which in turn reference ISO/IEC 30107-3 as the benchmark for presentation-attack detection testing. In practice, KNF examiners expect at minimum passive liveness, with large banks and any institution targeting high-risk segments pushing for ISO 30107-3 PAD Level 2 certified solutions. Didi
CERTIFICATIONS
Our platform meets the highest international standards for information security, data privacy, and biometric accuracy.
Full EU data protection compliance
Information security management
PAD (liveness + face match)
TRUSTED WORLDWIDE
Join thousands of companies that trust Didit for their verification needs
Didit’s NFC + active biometrics technology blocks the most advanced fraud scenarios, offering a level of security equivalent to or superior to in-person verification.
Spanish Financial Sandbox
CNMV, SEPBLAC & Spanish Treasury — Conclusions Report
Didit is an exceptionally valuable partner, delivering a stable and highly adaptable solution”.
Vuk Adžić
Head of the E-Business Department at Crnogorski Telekom
Didit offered us a robust technology with a simple implementation and adaptability to different markets”.
Fernando Pinto
CEO & CoFounder at TucanPay
Thanks to Didit we have been able to reduce manual processes and improve data extraction accuracy”.
Diana Garcia
Trust & Safety Executive at Shiply
Didit’s integration slashed verification times and costs, freeing resources for other projects”.
Guillem Medina
COO at GBTC Finance
Didit removed KYC costs, enabling faster scaling with high verification standards and less fraud.”
Paul Martin
VP Marketing & Growth at Bondex
Didit’s secure, user-friendly verification boosts customer trust and optimizes our process.”
Cristofer Montenegro
Executive assistant to the CEO at Adelantos
Didit ensures a precise, secure digital onboarding without slowing negotiations or client time.”
Ernesto Betancourth
Gerente de riesgos at CrediDemo
FAQ
Yes. Poland permits remote KYC onboarding under its national AML framework, including document verification, biometric liveness and video identification where required by regulation.
Didit verifies all major national IDs, passports and residence permits issued in Poland, plus 14,000+ document types globally for cross-border flows.
Didit charges $0.30 per verification with 500 free checks per month. No contracts, no minimums. Competitors typically charge $1.00–$2.50+ per verification.
Yes. Didit screens against 1,000+ global watchlists including PEP databases, sanctions lists (EU, UN, OFAC, OFSI), and adverse media — covering all AML obligations in Poland.
Most regulated sectors in Poland require or strongly recommend biometric liveness detection for remote onboarding. Didit provides ISO 30107-3 PAD Level 2 certified liveness.
Yes. Didit supports document verification, liveness, AML screening and ongoing monitoring aligned with Poland’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Poland’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
