Frequently Asked Questions

An account at can be set up at any time, quickly and free of charge. The process is fully automated and you can do it online.

The platform is aimed at business customers.

In order to start the account creation process, click the Create an account button Enter:
-E-mail address, which will also be a login to the website;
-Password – for security reasons, you should not share your password
with third parties.

If you are interested in receiving our commercial information, please select the box I want to receive newsletter and information about promotions. An account activation message will be sent to the e-mail address you provided. The activation link is valid for 24 hours from the moment of receiving the message.

After confirming the e-mail address, you will be redirected to the registration form – completing the data in the questionnaire completely and in accordance with the facts enables access to the functionality of the platform.

Currency exchange on the platform is carried out in a few simple steps:
-Setting up a free account,
-Payment of funds to the account on the website,
-Making a currency exchange,
-Withdrawal of converted funds.

Setting up an account on the website and its maintenance is completely free.

Yes, if you are the holder of a PESEL number.

We do not carry out transactions with anonymous users, we are obliged to do
so by law. In order to fully use the website, it is necessary to complete the PESEL NUMBER field.

If you do not have a PESEL number, when completing your data, please indicate your citizenship and enter your date of birth.

Bank accounts: Alior Bank (T-Mobile Uslugi Bankowe and former BPH SA), PEKAO SA, Santander Bank Polska SA (former BZ WBK), PKO BP (former Nordea Bank and Inteligo), BNP Paribas (Raiffeisen Polbank), Millenium The bank and ING Bank Śląski are integrated, which enables quick and free deposits and withdrawals.

In most banks, setting up a foreign currency account is free. Withdrawals in foreign currency can be made to a private account. It is important that the bill corresponds to the currency being paid. Otherwise, there may be a currency conversion on the part of the bank, on the exchange rate of which we have no influence.

There is no exchange limit at, you can exchange any amount. Payholding International sp. z o.o sp. komandytowa reports all transactions exceeding the equivalent of EUR 15,000 (converted at the average exchange rate of the National Bank of Poland) pursuant to the Act on Counteracting Money Laundering and Financing of Terrorism. We ensure that personal data is protected in accordance with legal procedures and requirements, is used only for the purpose of carrying out transactions and related to activities required by applicable law.

For integrated banks transfers of all currencies supported by the service take up to 30 minutes on working days.
Transfers made within banks other than partner banks (integrated):
-For PLN – they are carried out within 5-6 hours,
-For EUR – up to one business day,
-For other currencies – USD, GBP, CHF, CZK, NOK, CNY, SEK, DKK, JPY, up to three business days.

Withdrawals of USD, GBP, CHF, CZK, NOK, CNY, SEK, DKK and JPY to another bank are made by transfer with the D+2 funds transfer deadline. It is the cheapest transfer under which funds ordered to be sent on a given business day by e.g. on Monday, they should reach the recipient’s account by the end of the second day after sending, i.e. referring to the example – on Wednesday. Withdrawal of EUR currency to another bank is made by transfer with the D+1 funds transfer date, which means that the transfer made on a given business day should be booked on the next day.

The given posting times apply to transfers made on business days between 8 am and 5 pm.

Detailed information on fees can be found in the Regulations of the website –  Table of Fees and Commissions 

Detailed information on fees can be found in the Regulations of the website –  Table of Fees and Commissions 

Incorrect user login or password appears, check the correctness of the entered data, e.g. check if the Caps Lock on the keyboard is turned on. If you have forgotten your password, just select the Create a new password option , enter your e-mail address, and then click Send. You will receive an e-mail with the option to reset your password. Click on the link and then enter a new, secure password. You will be able to log in with your new password immediately after changing it. In case of further problems, please contact Customer Service

To close your account, please write a message to from the e-mail that is your login to the website, with a request to close your account. The account will be closed within 3 working days, which you will be informed about by e-mail.

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