Bank transfers in Poland · Elixir system

When will the transfer arrive?

Pick the bank you are sending from, the recipient's bank and when you place the order. We work out which Elixir session the transfer catches and when it shows up in the recipient's account.

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    How Elixir works

    Regular transfers between different Polish banks are cleared by the National Clearing House (KIR) in three sessions, on business days only. The sending bank has to submit the transfer before the session closes, and the receiving bank credits it only after the session is settled. That is why every bank has its own cut-off times.

    session I

    Closes
    9:30
    Settlement
    10:30–11:00
    To banks
    from 11:00

    session II

    Closes
    13:30
    Settlement
    14:30–15:00
    To banks
    from 15:00

    session III

    Closes
    16:00
    Settlement
    17:00–17:30
    To banks
    from 17:30

    Session times by bank

    Outgoing: the latest time to place a transfer so it makes a given session. Incoming: when the bank credits transfers from that session. Items marked with an asterisk are estimates. NBP times are approximate and match the NBP settlement windows: 10:30–11:00, 14:30–15:00 and 17:00–17:30.

    BankOutgoing (order by)Incoming (credited)
    IIIIIIIIIIII
    Alior Bank08:2012:2015:2010:3014:3016:45
    Bank Millennium08:1012:1014:3012:0015:2017:15
    Bank Pekao SA08:3012:3015:0012:0015:3018:00
    Bank Pocztowy08:0012:0014:3011:0015:0017:30
    BNP Paribas08:0011:4514:1511:00–12:0014:30–15:0018:00
    BOŚ Bank09:3013:3016:0011:0015:0017:30
    Citi Handlowy08:0012:1515:3011:3015:3017:30
    Credit Agricole08:30*12:30*14:3011:0015:0017:00
    Erste Bank Polska08:1512:1514:4511:0015:0017:30
    GBS Bank07:1510:4514:4510:30–12:0014:30–16:0016:30–17:30
    ING Bank Śląski08:1011:3014:3011:0015:0017:30
    mBank05:5509:5513:2510:3015:0018:05
    Narodowy Bank Polski (NBP)10:30*14:30*17:00*11:00*15:00*17:30*
    Nest Bank08:0012:0014:3010:3014:1517:00
    PKO Bank Polski08:0011:4514:3011:3015:1017:30
    Raiffeisen Digital Bank08:0011:4513:3011:3015:1017:30
    Santander Consumer Bank08:4512:0014:3011:3015:0017:30
    SGB-Bank08:30*12:30*15:3011:3015:3017:30
    Toyota Bank08:30*12:30*14:3010:3014:3016:30
    UniCredit08:0012:0015:3010:3014:3016:30
    VeloBank08:1512:1514:3010:0014:0017:00
    Volkswagen Bank07:5511:4514:1513:0016:0018:00

    Upcoming days without sessions

    Elixir does not run on Saturdays, Sundays or Polish public holidays. A transfer ordered on such a day leaves on the first session of the next business day. Since 2025 Christmas Eve is also a public holiday.

      Common questions

      Transfers within the same bank

      They do not go through Elixir. The money is usually in the recipient's account within seconds or minutes, weekends included.

      Can it be faster?

      Yes. Instant transfers (Express Elixir or BlueCash) and BLIK phone transfers arrive within seconds, 24/7. Banks usually charge a small fee for an instant transfer.

      The time has passed and the money is still not there

      Crediting times are typical values published by banks. A bank may credit a transfer late, and a transfer can also be held for verification. If it still has not arrived after the next session, ask the sending bank to confirm that it was sent.

      Paying ZUS or a tax office

      It works like any other Elixir transfer. For the office, what counts is the date your account is debited, so place the order on a business day before the last session.

      Session times come from schedules published by banks and KIR. Banks can change them, so treat the result as a forecast and check your bank's notice when it matters. This site is not affiliated with any bank or with the National Clearing House (KIR).
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