Poland · Payments & e-money
Provident Polska Spółka Akcyjna
Legal name in the LEI recordPROVIDENT POLSKA SPOLKA AKCYJNA
Provident Polska S.A. is a Polish joint-stock company based in Warsaw. The Polish Financial Supervision Authority (KNF) authorises it as a national payment institution under register number IP61/2024. The KNF also lists it in the register of lending institutions. The firm belongs to the International Personal Finance group, which BasePoint Capital acquired in August 2026. It offers unsecured consumer loans online and through home-visiting representatives, as well as the Provi Smart Mastercard credit card, which it issues itself.
Licences and registrations
Held by Provident Polska Spółka Akcyjna (LEI 2138004O7YGEG3AYWP93). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterPolish Financial Supervision Authority | Payment institutionPayment Institution | 5251571292 | Poland | Active | 2024-11-13 | — |
|
Search the register ↗ |
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
314,000
active customers · This entity · 31 Dec 2024
Employees
Not published
Ownership
Group subsidiary
100% IPF International Limited
Firm type
Lending or buy now, pay later
Trades as Provident
- Ownership
- IPF International Limited is the sole shareholder, within the International Personal Finance plc group that BasePoint Capital has owned since 4 August 2026.
- Direct parent
- IPF International Limited, United Kingdom 100%
- Ultimate owner
- BasePoint Capital LLC, United States
- Head office
- ul. Inflancka 4A, 00-189 Warszawa, Poland
- Company register
- KRS 0000009389
- Incorporated
- 22 Aug 1996
Online
- Websites & references
- provident.pl ↗
media-provident.pl ↗ press office - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 9 pages consulted
- provident.pl/
- provident.pl/provi-smart
- provident.pl/lad-korporacyjny
- provident.pl/-/media/dd4e551f5f99453d926f3b2812c7a6bf.ashx
- provident.pl/-/media/5e4d13ef83ae40df8b274c9a64308f5f.ashx
- knf.gov.pl/?articleId=91178&p_id=18
- ipfin.co.uk/news/2026/us-basepoint-capital-llc-completes-purchase-of-uk-based-global-lender-internati
- ajbell.co.uk/news/articles/ipf-agrees-ps543-million-basepoint-capital-cash-takeover
- bank.pl/provident-polska-ma-zgode-knf-na-swiadczenie-uslug-platniczych/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The KNF authorised the firm as a national payment institution in November 2024, replacing its 2022 small payment institution registration. The KNF also supervises its lending and lists it in the register of lending institutions under RIP000055.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | National payment institution (krajowa instytucja płatnicza) | IP61/2024 | In its own name | Active | — |
| Polish Financial Supervision Authority (KNF) Poland | Register of lending institutions (Rejestr Instytucji Pożyczkowych) | RIP000055 | In its own name | Active | — |
| Polish Financial Supervision Authority (KNF) Poland | Insurance agent, register of insurance intermediaries | RAU 11235060/A | In its own name | Active | — |
| Polish Financial Supervision Authority (KNF) Poland | Small payment institution (mała instytucja płatnicza) | MIP131/2022 | In its own name | Withdrawn or expired | provident.pl ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm issues credit cards against its own credit limit, and its card terms state that the card account is not a payment account.
- Payment schemes and card networks
- Mastercard Access not stated provident.pl ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It makes unsecured consumer loans of up to PLN 30,000, online or through home-visiting representatives, and issues the Provi Smart credit card with limits of up to PLN 15,000.
It serves adult Polish citizens resident in Poland, and its 2024 management report states that it operated only in Poland.
- Sells to
- Consumers · Small businesses
- Serves customers in
- Poland
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Marcin Żuchowski Prezes Zarządu (President of the Management Board)
- Chair
- Marcin Wiesław Nowacki Przewodniczący Rady Nadzorczej (Chair of the Supervisory Board)
- Chief financial officer
- Wawrzyniec Kolbusz Dyrektor Pionu Finansów (Finance Director), management board member
- Executive
- Paulina Gasińska Dyrektorka Pionu Prawnego i Ładu Korporacyjnego (Legal and Corporate Governance Director), management board member
- Executive
- Mikołaj Tatarkiewicz Dyrektor Pionu Ryzyka Kredytowego (Credit Risk Director), management board member
- Executive
- Tomasz Skiba Dyrektor Pionu Sprzedaży i Obsługi Klienta (Sales and Customer Service Director), management board member
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
BasePoint Capital completed its acquisition of the firm's ultimate parent, International Personal Finance plc.
ipfin.co.uk ↗ -
Merger / acquisition
International Personal Finance plc agreed to a cash takeover by BasePoint Capital that valued it at GBP 543 million.
ajbell.co.uk ↗ -
Licence
The KNF authorised the firm to provide payment services as a national payment institution.
knf.gov.pl ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- 5251571292
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 20be47ad7863
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- Poland · Europe & Central Asia
- First registered
- 2024-11-13
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.
Ownership and group
GLEIF relationship records
- Direct parent
- International Personal Finance PLC · United Kingdom213800II1O44IRKUZB59 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Inflancka 4A, Warszawa, 00-189, PL, Warszawa, 00-189
- Country
- Poland
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>2138004O7YGEG3AYWP93</LEI>
<Nm>Provident Polska Spółka Akcyjna</Nm>
<PstlAdr>
<PstCd>00-189</PstCd>
<TwnNm>Warszawa</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>Inflancka 4A, Warszawa, 00-189, PL</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
- CBPR+ does not accept the characters ó ł in names and addresses. Transliterate before sending.
CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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