Small Payment Institutions vs. National Payment Institutions

SPI vs. NPI in Poland: What’s Right for Your Fintech? | Fintech Licensing Guide 2025

Thinking about launching a fintech startup in Poland or expanding across Europe? You’re in the right place. In this episode, we break down the differences between Small Payment Institutions (SPI) and National Payment Institutions (NPI) - how they work, what they cost, how long they take, and which fits your goals.

🔍 From licensing strategy to passporting rules, get the insights you need from Aleksandra Walas, Head of Fintech at Dudkowiak & Putyra - one of Poland’s top business law firms.

📌 Skip ahead using the timestamps:

0:00 - SPI vs NPI: What’s the difference?
1:15 - Is Poland’s fintech scene booming?
2:00 - Types of payment institutions in Poland
2:50 - What makes small payment institutions unique?
3:56 - Are SPIs popular among fintech founders?
4:17 - Which services can an SPI offer?
5:28 - Can SPIs add non-payment services?
6:20 - Should you check all services at registration?
7:13 - Comparing SPI and NPI side-by-side
9:16 - How long does registration take?
10:08 - What does licensing cost?
11:12 - Passporting of payment services
12:36 - Our law firm’s SPI/NPI experience
13:21 - SPI vs NPI: Pros and cons

Looking for legal support in fintech?
We’ve helped over 70 fintech companies enter the Polish and EU markets with full compliance. Learn more: www.dudkowiak.com

About Dudkowiak & Putyra
➤ 30+ years advising international clients
➤ Registered 9% of all NPIs in Poland
➤ Representing 15% of SPIs nationally

Our specialties:
➤ SPI, NPI, CASP, and VASP licensing
➤ Fintech legal & compliance
➤ Corporate law & M&A
➤ Tax planning & accounting
➤ GDPR / RODO compliance
➤ Immigration law for founders & teams

🏆 Recognized by Legal 500 & The Lawyers Global

Let’s connect:
🌐 Website: www.dudkowiak.com
📧 Email: [email protected]
📘 Facebook: Dudkowiak & Putyra Law Firm
💼 LinkedIn: Dudkowiak & Putyra Business Lawyers Poland

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