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KRAJOWA IZBA ROZLICZENIOWA SPÓŁKA AKCYJNA

KIR is a technology hub and digital solutions provider for banks, businesses, the public sector, and individual customers, described as a key entity of the Polish payment system infrastructure.

Last updated September 16, 2026

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Overview

Krajowa Izba Rozliczeniowa (KIR) presents itself as a technology hub and provider of digital solutions for companies, banks, and individual customers, and as a key entity of the Polish payment system infrastructure. Its solution areas include settlements, identification and e-signature, information exchange, payments and open banking, and R&D. It serves banks, companies and corporations, the public sector, and individual customers. Its offerings include the mSzafir mobile signature, mojeID online identity confirmation, and the Elixir system.

History

KIR states 34 years of activity. In 2021 KIR received a Digital Excellence Award in the Digital Strategic Perspective category for the mSzafir, mojeID, and Trwały nośnik services. In May 2023, during the 11th edition of the Cashless Congress, KIR received an eDukat award in the category 'Best pro-ecological initiative of the cashless world' for a guide for entrepreneurs titled 'Jak cyfryzować z myślą o środowisku?' realized by the Cyberium Foundation.

Products and positioning

Technology hub and digital solutions provider; key entity of the Polish payment system infrastructure.

  • mSzafir mobile signature

    A fully mobile signature; the only qualified e-signature available in a one-time option, fully online.

  • mojeID

    Online identity confirmation from any place, on any device, without a personal visit to branches.

  • Elixir system

    A system in which KIR reports 2.24 billion transactions in 2025 with a value of PLN 9.57 trillion.

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