Poland · Payments & e-money
Wonga.pl spółka z ograniczoną odpowiedzialnością
Wonga.pl sp. z o.o. is a Polish limited liability company with its seat in Warsaw. The Polish Financial Supervision Authority (KNF) has entered it in the register of loan institutions under number RIP000089. The KNF also registers it as a small payment institution under number MIP97/2021. KRUK S.A. acquired 100% of the firm in 2019. It grants online short-term and instalment loans to consumers in Poland. Its Wonga Limit app combines a payment account and a revolving credit line with a Visa card issued by Planet Pay sp. z o.o.
Licences and registrations
Held by Wonga.pl spółka z ograniczoną odpowiedzialnością (LEI 2594002PFW99EMMGUT81). 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 | Exempted payment institutionPayment Institution | 1132853869 | Poland | Active | 2021-04-16 | — |
|
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
Employees
Not published
Ownership
Group subsidiary
100% KRUK Spółka Akcyjna
Firm type
Lending or buy now, pay later
Trades as Wonga
- Ownership
- KRUK S.A. owns 100% of the firm, having completed the acquisition in April 2019.
- Direct parent
- KRUK Spółka Akcyjna ↗, Poland 100%
- Major shareholder
- KRUK S.A. 100%
- Head office
- ul. Stanisława Żaryna 2B, bud. D, 02-593 Warszawa, Poland
- Company register
- KRS 0000412352
Online
- Websites & references
- wonga.pl ↗
karierawonga.pl ↗ careers site - Official social accounts
- None found
- App
- App Store ↗
Sources · 13 pages consulted
- wonga.pl
- wonga.pl/limit/oneclick
- wonga.pl/dokumenty
- wongapaypl-public-assets.s3.eu-central-1.amazonaws.com/wzor_umowy.pdf
- wongapaypl-public-assets.s3.eu-central-1.amazonaws.com/tabela_oplat_prowizji.pdf
- karierawonga.pl/nasz-zespol/
- decyzje.uokik.gov.pl/bp/dec_prez.nsf/43104c28a7a1be23c1257eac006d8dd4/94fd98a62ecf2253c1258a4c0045a4b8/$FILE/4
- cashless.pl/9588-wonga-autokonto-mip
- cashless.pl/16546-wonga-pay-wycofanie
- cashless.pl/13785-wonga-pay
- money.pl/gielda/tomasz-fedyna-zostal-powolany-na-stanowisko-prezesa-wonga-polska-6396784575162498a
- xyz.pl/wonga-chce-podwoic-biznes-i-to-mimo-coraz-trudniejszego-rynku-pozyczek/
- pl.kruk.eu/media/file/file/strategia_2025_2029_pl.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The KNF registers the firm as a small payment institution (MIP97/2021), a status limited to payment services in Poland. It grants consumer loans as a loan institution entered in the KNF register under RIP000089.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | Mała instytucja płatnicza (small payment institution) | MIP97/2021 | In its own name | Active | wongapaypl-public-assets.s3.eu-central-1.amazonaws.com ↗ |
| Polish Financial Supervision Authority (KNF) Poland | Rejestr Instytucji Pożyczkowych (register of loan institutions) | RIP000089 | In its own name | Active | — |
| Polish Financial Supervision Authority (KNF) Poland | Krajowa instytucja płatnicza (national payment institution) | — | In its own name | Applied for | xyz.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's published account contract does not describe how customer funds are safeguarded. It caps a customer's account balance at PLN 8,000 or the equivalent of EUR 2,000.
- Card issuer
- Planet Pay sp. z o.o. Poland
- Payment schemes and card networks
- Visa Through a partner wongapaypl-public-assets.s3.eu-central-1.amazonaws.com ↗
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 offers Polish consumers short-term and instalment loans online, and a revolving credit line on a PLN payment account with a Visa card through its Wonga Limit app.
It serves consumers resident in Poland and states that it does not provide cross-border payment services.
- Sells to
- Consumers
- Serves customers in
- Poland
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Tomasz Fedyna Prezes Zarządu (President of the Management Board)
- Compliance / MLRO
- Zuzanna Kopaczyńska-Grabiec Dyrektorka Departamentu Prawnego, Compliance i HR (Director of Legal, Compliance and HR)
- Chief financial officer
- Patryk Brandeburski Dyrektor Departamentu Finansów (Director of the Finance Department)
- Executive
- Agnieszka Szczepanik Członkini Zarządu (Member of the Management Board)
- Executive
- Krzysztof Koremba Członek Zarządu (Member of the Management Board)
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Other
The firm stopped granting loans that charge interest on financed commission on 17 September 2026, following a CJEU ruling of April 2026.
xyz.pl ↗ -
Licence
The CEO said the firm had applied to the KNF for authorisation as a national payment institution.
xyz.pl ↗ -
Other
The firm dropped the Wonga Pay brand but kept its app and payment card for its credit limit product.
cashless.pl ↗ -
Enforcement
UOKiK issued decision DOZIK-9/2023 over a 2016 promotion, requiring the firm to pay PLN 10 compensation to each affected customer.
decyzje.uokik.gov.pl ↗ -
Other
The firm launched Wonga Pay, a payment account with a credit limit and a Visa card issued by Planet Pay.
cashless.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
- 1132853869
- 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
- 8e45b4a4d13d
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
- Small-firm registrationRegistered under a lighter regime for small or exempt firms, e.g. a small payment institution or an account-information service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- Poland · Europe & Central Asia
- First registered
- 2021-04-16
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
- "kruk" Spółka Akcyjna · Poland259400T1FZYBIW8XUJ78 ↗
The "kruk" Spółka Akcyjna group has 2 institutions in the directory, in 2 countries: 1 holds a BIC and 1 does not.
Including Itacapital Srl.
See the "kruk" Spółka Akcyjna group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Stanisława Żaryna 2B, bud. D, Warszawa, 02-593, PL, Warszawa, 02-593
- 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 two address lines
<FinInstnId>
<LEI>2594002PFW99EMMGUT81</LEI>
<Nm>Wonga.pl spółka z ograniczoną odpowiedzialnością</Nm>
<PstlAdr>
<PstCd>02-593</PstCd>
<TwnNm>Warszawa</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>Stanisława Żaryna 2B, bud. D</AdrLine>
<AdrLine>Warszawa, 02-593, 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 ą ś Ż 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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