We are an institution of the Polish banking sector infrastructure, which playing the key role in the area of interbank clearings, is responsible for their secure and proper operation as well as for a reliable electronic exchange of information.
Our mission is to provide secure and innovative services in the area of clearing procedures.
Krajowa Izba Rozliczeniowa S.A. (The National Clearing Chamber – KIR S.A.) was established in 1992 on the initiative of Związek Banków Polskich (The Polish Bank Association), 16 biggest banks and Narodowy Bank Polski (National Bank of Poland). Our priority is to provide top-quality secure clearing services as well as to support the creation of modern and innovative economy. Our clearing services are carried out by means of professional, electronic clearing systems:
In addition to providing clearing systems for banks, KIR S.A. offers services helping various financial institutions exchange information more effectively and smoothly. For this purpose we have launched the service called OGNIVO. This solution is currently used by banks, the headquarters and branches of ZUS (the Social Insurance Institution), Poczta Polska, Tax Office, Customs Offices, Municipal Offices and court enforcement officers. OGNIVO enables quick and secure exchange of information, which used to be conducted in writing. Thanks to OGNIVO it is possible to exchange queries to banks concerning the existence of accounts, the transfer of client’s accounts between banks as well as to handle the consents and revokings of direct debits.
We are an accredited partner of SWIFT in Poland. Using our own ICT infrastructure, we provide banks and such institutions as clearing houses, stock exchanges, pension funds, depositaries and brokerage houses with access to the global network SWIFTNet, which enables to handle international financial operations. As SWIFT Service Bureau we also offer technical assistance in access infrastructure of the users of SWIFT in Poland. SWIFT currently includes 10 thousand units of the financial market from over 200 countries and processes 20 million operations every day.
With a view to support e-commerce and to develop e-services in the public sector we have devised PayByNet – a system of guaranteed, direct and rapid internet payments. It is the first such a solution in Poland, allowing for making payments for e-shopping directly between a client of a bank and a recipient – an internet shop or e-office. The system is integrated with the Electronic Platform of Public Administration Services (ePUAP).
In addition to clearing services, which are our primary area of activity, we also offer the following services: