About us
Welcome to onlinekantorkurs.pl
• a service offering online payment services and currency exchange.
We specialize in serving small and medium-sized businesses, as well as individual clients. For corporate clients, we provide 24/7 support from a dedicated Client Advisor, personalized currency exchange rates, and continuous support from Settlement and Transaction Specialists. We offer the most competitive rates on the currency exchange market, customer service in three languages, regular promotions and discounts for our loyal clients, and the option to negotiate currency rates. With a convenient, secure, and intuitive interface, our website is the perfect place for payment services and fast, secure online currency exchange.
Throughout the year, at any time of the day, you can order payment services or exchange currency online.
At your convenience, from any location, you can make a transfer or exchange currency. The continuous availability of the onlinekantorkurs.pl service for clients is our priority.
We have extensive experience in the currency exchange and FinTech sectors, gained through years of work in the banking sector, online currency exchanges, and financial institutions. Therefore, we understand our clients' needs perfectly and know how to deliver the highest quality service and products.
During the working hours of the service, we provide full support and assistance. We will answer any of your questions, guide you through the registration process, and resolve potential issues.
We are happy to receive calls from clients and encourage you to contact us.
The owner of the onlinekantorkurs.pl service is
KURS SP. Z O.O., based in Katowice, ul. Andrzeja Mielęckiego 10, office 402, 40-013 Katowice, registered in the District Court Katowice-East in Katowice, VIII Commercial Division of the National Court Register under KRS number 0001025251, NIP: 8971919684, REGON: 524751491.
Share capital: PLN 1,780,000.00 (fully paid).
KURS SP. Z O.O. is registered as a Small Payment Institution in the Register of Payment Services by the Polish Financial Supervision Authority under number RUP: MIP236/2024.
KURS SP. Z O.O. is under the constant supervision of the Polish Financial Supervision Authority (KNF) as a Small Payment Institution.
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What is a Small Payment Institution?
A Small Payment Institution (SPI) is one of the forms of conducting business in the field of payment services.
Starting operations as an SPI requires registration in the register of payment service providers and electronic money issuers maintained by the Polish Financial Supervision Authority (KNF). This is because activities in the field of payment services are regulated under the provisions of the Entrepreneurs’ Law Act of March 6, 2018.
A Small Payment Institution, according to the Payment Services Act, can be a natural person, legal entity, or organizational unit without legal personality, granted legal capacity by law, registered in the register of payment service providers and electronic money issuers, and conducting activities within the scope of any payment service other than the initiation of payment transactions or account information services.
The operation of Small Payment Institutions is regulated under the Entrepreneurs’ Law Act, which means it can only be conducted after meeting the prerequisites specified in the act and obtaining registration in the relevant register.
The introduction of Small Payment Institutions into the Polish legal system is an implementation of the so-called PSD2 directive.
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Requirements for a Small Payment Institution
According to Article 117h of the Payment Services Act, a Small Payment Institution must have organizational solutions allowing for the calculation of the total monthly amount of payment transactions. Moreover, it must implement procedures provided for in the Act on Counteracting Money Laundering and Financing of Terrorism.
The person managing a Small Payment Institution cannot be legally convicted of offenses against justice, economic turnover, money and securities circulation, offenses specified in Article 165a of the Penal Code, crimes committed for financial or personal gain, or tax offenses.
In addition, a Small Payment Institution must have an operational program and financial plan for the first 12 months of activity, taking into account the maximum average total amount of payment transactions from the previous 12 months performed by the institution.
The Small Payment Institution must also implement a current risk management procedure for risks it may face. A Small Payment Institution offering services such as receiving cash deposits, making cash withdrawals from payment accounts, and performing other activities necessary for account management may hold users' funds in payment accounts.
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Permissions of a Small Payment Institution
A Small Payment Institution can, among other things, provide payment services in the following areas:
• Accepting cash deposits and making cash withdrawals from a payment account, as well as all actions necessary for account management;
• Performing payment transactions, including transferring funds to a payment account at the user's provider or another provider;
• Carrying out payment transactions referred to in point 2, charged to funds made available to the user under a credit agreement;
• Issuing payment instruments;
• Enabling the acceptance of payment instruments and performing payment transactions initiated by the payer’s payment instrument through the payee or its intermediary;
• Providing money transfer services;
• Providing additional services closely related to payment services, such as currency exchange services, secure storage of funds for payment transactions, and data storage and processing services.
The lowest EUR and USD rates in Poland!