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KNF Komisja Nadzoru Finansowego · Polish Financial Supervision Authority

Poland's state financial regulator — supervising banks, lenders, insurers, funds and pensions.

Full definition

Komisja Nadzoru Finansowego is the Polish state regulator for financial markets, established in 2006. It supervises commercial and cooperative banks, SKOKs, licensed lenders (since 2017), investment firms, insurers, TFIs and open pension funds. It maintains official registers — checking the KNF register before signing with a non-bank lender is a critical safety step. KNF publishes recommendations (e.g. S on mortgages, T on consumer credit) and issues public warnings about unlicensed operators. It can impose fines and revoke licences. Seat: ul. Piękna 20, Warsaw. Register: knf.gov.pl/podmioty/podmioty-rynku-finansowego.

Concrete numeric example

Before borrowing from a new lender: check the KNF registry (knf.gov.pl). If the firm is not listed in the lender register, operating is illegal. Contracts may be legally unenforceable, and recovery of principal can be difficult.

Related terms

BIK

The Polish credit bureau — central register of all loans, payday loans and credit cards held by Polish residents. Banks and licensed lenders are required to query BIK before every credit decision.
kreddo.pl — loan and credit comparison in Poland

kreddo.pl is an independent financial product comparison service helping users make informed decisions about cash loans, online loans, personal accounts, savings accounts, deposits and mortgages in Poland. We compare offers from leading Polish banks — including PKO BP, Santander, mBank, ING, Alior Bank and BNP Paribas — displaying current interest rates, APR, fees and conditions.

Our loan rankings are updated in real time through bank partner integrations. Users can filter offers by amount (PLN 1,000–500,000), repayment period and instalment type. The instalment calculator helps estimate monthly repayment costs.

For those seeking quick financing, we compare payday loans, no-BIK loans, loans for indebted individuals and no-refusal loans. We also compare credit cards and insurance products.

kreddo.pl is an informational service — it is not a credit intermediary or financial institution. All offers shown come from our partners, and final product terms are determined by the financial institution. We track current NBP and WIBOR interest rates in real time.