Poland · Financial institution
Bank Handlowy W, Warszawie SA
Legal name in the LEI recordBANK HANDLOWY W WARSZAWIE SPÓŁKA AKCYJNA
Bank Handlowy w Warszawie S.A. is a Polish joint-stock company based in Warsaw. It trades under the Citi Handlowy brand. Citibank Europe plc of Dublin holds 75% of the shares, and the remaining 25% are held by shareholders below 5% each, with the shares listed on the Warsaw Stock Exchange. The bank was founded in 1870 and merged with Citibank (Poland) S.A. in 2001. On 12 June 2026 it transferred its retail banking business to VeloBank S.A. by demerger and now focuses on institutional banking.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Citigroup
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 3 of 5 · extra capital buffer 2.0% of risk-weighted assets
- On the list since
- 2011
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Bank Handlowy w Warszawie S.A.
- RIAD code
- PL00103
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Polish Financial Supervisory Authority (KNF) | 2007-11-13 | A1 A2 A3 A5 A7 B1 B3 B4 B5 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CITIPLPXXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under CITIPLPX directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SDD Core · SDD B2B
- Branch codes
- 2 branch codes
- BIC first registered
- 1993-06-07
- Last updated
- 2013-02-02
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Ticker BHW
Institution type
Commercial bank
Trades as Citi Handlowy
- Standing
- On 12 June 2026 the bank's retail banking business, including retail brokerage, passed to VeloBank S.A. by way of a demerger registered in the National Court Register. Former retail account holders are now VeloBank clients. Their accounts use VeloBank's BIC GBGCPLPK.
- Ownership
- Citibank Europe plc holds 75% of the share capital and votes, and shareholders with less than 5% each hold the remaining 25%. Citigroup Inc. is the ultimate parent.
- Direct parent
- Citibank Europe plc, Ireland 75%
- Ultimate owner
- Citigroup Inc., United States
- Stock listing
- Warsaw Stock Exchange (GPW) BHW
- Head office
- ul. Senatorska 16, 00-923 Warszawa, Poland
- Company register
- KRS 0000001538, Sąd Rejonowy dla m.st. Warszawy w Warszawie, XII Wydział Gospodarczy Krajowego Rejestru Sądowego
Business lines
Since the retail exit in June 2026, the bank has reported two segments: corporate banking, which includes transaction banking, custody and relationship banking, and financial markets, which includes interbank and client business.
Online
- Websites & references
- citibank.pl ↗
citibank.pl/en ↗ English-language site
Wikipedia ↗
Wikidata Q4034832 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 14 pages consulted
- citibank.pl/
- citibank.pl/o-banku/wladze-banku.html
- citibank.pl/poland/homepage/polish/akcjonariat.htm
- citibank.pl/poland/corporate/polish/files/lista_bankow_korespondentow.pdf
- citibank.pl/poland/homepage/polish/informacje-finansowe.htm
- citibank.pl/aktualnosci/2026-06-12-citi-handlowy-finalizuje-sprzedaz-biznesu-detalicznego.html
- citibank.pl/poland/homepage/polish/zarzad-banku.htm
- velobank.pl/centrum-informacji
- velobank.pl/centrum-informacji/pytania-i-odpowiedzi
- rejestr.io/krs/1538/bank-handlowy-w-warszawie
- bank.pl/citi-handlowy-z-zyskiem-netto-wyzszym-o-18-w-pierwszym-polroczu-26-r-r/
- bankier.pl/wiadomosc/Zysk-netto-Banku-Handlowego-w-II-kw-26-wyniosl-320-8-mln-zl-ponizej-oczekiwan-9
- wnp.pl/rynki/citi-handlowy-dzieli-bank-konta-klientow-zostana-przeniesione-do-velobanku-w-weeken
- en.wikipedia.org/wiki/Bank_Handlowy
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Elżbieta Czetwertyńska
Prezes Zarządu (President of the Management Board), Citi Country Officer Poland
- Chair
- Sławomir S. Sikora Przewodniczący Rady Nadzorczej (Chairman of the Supervisory Board)
- Executive
-
Patrycjusz Wójcik
Wiceprezes Zarządu Banku (Vice-President of the Management Board)
- Executive
-
Maciej Kropidłowski
Wiceprezes Zarządu Banku (Vice-President of the Management Board)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Poland
- Polish Financial Supervision Authority (Komisja Nadzoru Finansowego, KNF) Prudential supervisorAML supervisorConductSecurities
- Poland
- Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny) Resolution
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
The registry court registered the bank's demerger on 12 June 2026, and the retail business transferred to VeloBank S.A.
citibank.pl ↗ -
Licence
The KNF unanimously approved the demerger of the bank's retail business into VeloBank S.A.
velobank.pl ↗ -
Leadership
Sebastian Perczak was entered in the National Court Register as a member of the management board from 16 December 2025.
rejestr.io ↗ -
Merger / acquisition
The bank signed a preliminary agreement to sell its retail banking business to VeloBank S.A.
velobank.pl ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CITIPLPXXXX
- How the BIC breaks down
- CITIBank
- PLCountry · Poland
- PXLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- XLEZHWWOI4HFQDGL4793
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Numer rozliczeniowy 10300006 + 96 more
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Poland · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Citigroup list of 2025
- Trading venues (MIC)
- Operates MIC BHWA list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1870
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Citibank Europe Public Limited Company · IrelandN1FBEDJ5J41VKZLO2475 ↗
- Ultimate parent
- Citigroup Inc. · United States6SHGI4ZSSLCXXQSBB395 ↗
- FSB G-SIB list
- In a G-SIB group · Citigroup bucket 3 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Citigroup Inc. group has 143 institutions in the directory, in 90 countries: all hold a BIC.
Including Citibank N.A., Citibank N.A., Citibank N.A., Citibank Europe PLC, Citibank NA.
See the Citigroup Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- SENATORSKA 16 WARSZAWA 00-923 POLAND
- Operational address
- SENATORSKA 16 WARSZAWA 00-923 WARSZAWA POLAND
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CITIPLPXXXX</BICFI>
<LEI>XLEZHWWOI4HFQDGL4793</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CITIPLPXXXX</BICFI>
<LEI>XLEZHWWOI4HFQDGL4793</LEI>
<Nm>BANK HANDLOWY W, WARSZAWIE SA</Nm>
<PstlAdr>
<TwnNm>WARSZAWA</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>SENATORSKA 16 WARSZAWA 00-923</AdrLine>
</PstlAdr>
</FinInstnId>At least 10 national bank codes route to this BIC. The blocks add none, because the right one depends on the account.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2009-11-02 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2009-11-02 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Market identifiers
One trading venue or reporting service run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| BHWA | BANK HANDLOWY W WARSZAWIE SPOLKA AKCYJNABHW SI | Operating MIC | Systematic internaliser |
National bank codes
Numer rozliczeniowy · Poland
Showing 10 of 97 codes file of 2026-10-09 · ISO 20022 clearing system code PLKNR
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 10300006 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301032 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301058 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301074 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301087 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301104 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301120 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301133 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301146 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
| 10301175 | CITIPLPXXXX | Bank Handlowy w Warszawie Spółka Akcyjna | Warszawa |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branches and correspondent banking
All 2 branch BICs connect to the head office. They are all in Warszawa, and no function or registration year splits them further. The bank publishes 19 accounts at other banks, across 5 regions. 3 other banks publish 3 accounts held with this bank.
- Own offices
- Correspondent banks: it holds accounts there
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
19 accounts at other banks, in 19 currencies, as the bank publishes them: citibank.pl ↗
| Currency | Correspondent | BIC | Account | Directory check |
|---|---|---|---|---|
| USD | CITIBANK N.A., NEW YORK United States | CITIUS33 | — | Matches the Swift directory |
| EUR | CITIBANK EUROPE PLC DUBLIN Ireland | CITIIE2X | — | Matches the Swift directory |
| GBP | CITIBANK N.A., LONDON United Kingdom | CITIGB2L | — | Matches the Swift directory |
| CHF | CITIBANK N.A., LONDON United Kingdom | CITIGB2L | — | Matches the Swift directory |
| SEK | SWEDBANK, STOCKHOLM Sweden | SWEDSESS | — | Matches the Swift directory |
| DKK | NORDEA BANK DANMARK A/S, COPENHAGEN Denmark | NDEADKKK | — | Matches the Swift directory |
| NOK | DNB BANK ASA, OSLO Norway | DNBANOKK | — | Matches the Swift directory |
| AUD | CITIBANK NA, SYDNEY Australia | CITIAU2X | — | Matches the Swift directory |
| JPY | CITIBANK, N.A., TOKYO BRANCH, TOKYO Japan | CITIJPJT | — | Matches the Swift directory |
| CAD | CITIBANK, N.A., CANADIAN BRANCH, TORONTO Canada | CITICATTBCH | — | Matches the Swift directory |
| CZK | CITIBANK EUROPE PLC, ORGANIZACNI SLOZKA, PRAGUE Czechia | CITICZPX | — | Matches the Swift directory |
| HUF | CITIBANK EUROPE PLC, HUNGARIAN BRANCH, BUDAPEST Hungary | CITIHUHX | — | Matches the Swift directory |
| ZAR | CITIBANK N.A. SOUTH AFRICA, JOHANNESBURG South Africa | CITIZAJX | — | Matches the Swift directory |
| RON | CITIBANK EUROPE PLC, ROMANIA BRANCH, BUCHAREST Romania | CITIROBU | — | Matches the Swift directory |
| TRY | CITIBANK A.S., ISTANBUL Türkiye | CITITRIX | — | Matches the Swift directory |
| CNY | CITIBANK N.A., HONG KONG BRANCH, HONGKONG Hong Kong SAR China | CITIHKHX | — | Matches the Swift directory |
| KZT | JSC CITIBANK KAZAKHSTAN, ALMATY Kazakhstan | CITIKZKA | — | Matches the Swift directory |
| PLN | NARODOWY BANK POLSKI, WARSZAWA Poland | NBPLPLPW | — | Matches the Swift directory |
| ILS | CITIBANK N.A. ISRAEL Israel | CITIILIT | — | Matches the Swift directory |
Undated one-page PDF titled 'Wykaz banków prowadzących rachunki nostro Banku Handlowego w Warszawie S.A.'. It lists currency, correspondent BIC and correspondent name for 19 currencies, and all 19 rows are extracted. No account numbers are published. The bank recommends sending MT103 directly to CITIPLPX, with the correspondent named in field 53/54. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
Respondent banks
From the correspondent lists other banks publish
3 other banks publish 3 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| PLN | Barclays Bank Ireland PLC Ireland | CITIPLPX | 0510301508 | Free cash related to fixed income securities activity | docslib.org ↗ dated May 2020 |
| PLN | City National Bank United States | CITIPLPX | — | incoming foreign currency wires | cnb.com ↗ dated Mar 2023 |
| PLN | Clearstream Banking S.A. Luxembourg | CITIPLPXXXX | PL69 1030 1508 0000 0005 0234 3009 | — | clearstream.com ↗ dated 1 Jul 2026 |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| CITIPLPXBRO | BANK HANDLOWY W WARSZAWIE SA BROKERAGE ACTIVITY | Warszawa | SENATORSKA 16 WARSZAWA 00-923 WARSZAWA POLAND | — | 2022-04-16 |
| CITIPLPXCTI | — | Warszawa | SENATORSKA 16 WARSZAWA 00-923 WARSZAWA POLAND | — | 2025-11-01 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Poland (Source: Narodowy Bank Polski).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Citi Handlowy · Public domain · Wikimedia Commons · original; Elżbieta Czetwertyńska: citibank.pl (official website) · original; Patrycjusz Wójcik: citibank.pl (official website) · original; Maciej Kropidłowski: citibank.pl (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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