Finowo

Move money between
bank accounts. Same day.

Express Elixir, Sorbnet, BLIK and SEPA transfers from one dashboard.
No separate banking app, no manual reconciliation, no spreadsheet at month-end.

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Every Polish payment rail, one integration.

Express Elixir

Instant domestic transfers between Polish banks. Funds arrive in seconds, 24/7 — including weekends and holidays.

Real-time settlement

Money lands in the recipient account within seconds, not hours.

24/7 availability

Send transfers any day, any time — including weekends and bank holidays.

Batch processing

Upload a CSV with hundreds of transfers. They execute in one batch.

Status webhooks

Get notified the moment each transfer settles, fails or is queued.

Why teams switch to Finowo
for domestic transfers.

One dashboard for every rail

Express Elixir, Sorbnet, BLIK and SEPA in a single view. Filter by channel, date or counterparty — no switching between banking portals.

Confirmations in real time

Every transfer tracked from initiation to settlement. Webhooks fire when status changes, so your system always knows the current state.

Reconciliation that runs itself

Incoming payments auto-matched to invoices and orders. Outgoing transfers logged with counterparty details, reference numbers and fees — ready for your accountant.

Finowo1 login
Express Elixir
Sorbnet
BLIK
SEPA
Counterparties
Reports

Every payment rail, every tool, one integration.

Express Elixir

Instant domestic transfers that settle in seconds, 24/7.

  • Real-time settlement between Polish banks — no cutoff, no waiting
  • Available 24 hours a day, including weekends and bank holidays
  • Batch processing: upload CSV with up to 5,000 transfers per batch
  • Status webhooks fire on every state change — settled, queued, failed
  • Full counterparty details logged for reconciliation and audit
Express Elixir
PLN domestic transfer
Settled
Amount sent
PLN 1,250.00
From
Your account
To
Supplier S.A.
ReferenceINV-2024-056
Settled in3 seconds
SentProcessedSettled

Sorbnet

Same-day settlement for high-value domestic transfers.

  • Designed for transfers above standard Elixir limits
  • Cutoff countdown displayed in your dashboard — never miss a session
  • Priority queue: processed in the next clearing session
  • Confirmation receipts with NRB reference numbers
  • Ideal for B2B payments, supplier settlements and payroll
Sorbnet
High-value domestic transfer
Priority
Amount sent
PLN 150,000.00
From
Business account
To
Contractor Sp. z o.o.
Next clearing cutoff00:42:18
ReferenceSALARY-05-2024
QueuePriority lane
Settlement proof
NRB ref · 2024/7842

BLIK Payments

Accept BLIK from 16+ million Polish users through one API.

  • Accept payments initiated with 6-digit BLIK codes from the customer banking app
  • Instant confirmation — no waiting for batch settlement
  • Full and partial refunds through the same API endpoint
  • Every transaction logged with timestamp, amount and status
  • Works alongside bank transfers in the same dashboard
BLIK Payments
6-digit code payment
Instant
Generated BLIK code
1
2
3
4
5
6
Confirmed · PLN 89.50
Merchant
Café Finowo
Amount
PLN 89.50
Transaction IDBLIK-78234
Timestamp10:42:18
Refund
Receipt

SEPA Transfers

Send and receive across 36 SEPA countries.

  • Standard SEPA Credit Transfer and SEPA Instant from one endpoint
  • Automatic IBAN format validation and counterparty verification
  • Multi-currency: send EUR from PLN accounts with automatic FX
  • Cross-border tracking from origin to destination bank
  • One integration for all SEPA-participating countries
SEPA Transfers
36 countries · EUR
Confirmed
Amount sent
EUR 4,750.00
≈ PLN 20,420.00 after FX
Origin
PL61...
Destination
DE89...
IBAN checkVerified
RouteSEPA Instant
ReferenceINVOICE-DE-112
StatusCredited to beneficiary
Cross-border tracking
PL
DE
Beneficiary

Reconciliation & Reporting

Transaction data that closes itself at month-end.

  • Incoming payments auto-matched to invoices by reference number
  • Outgoing transfers logged with fees, timestamps and counterparty details
  • Export to CSV, PDF or your accounting tool in one click
  • Daily, weekly and monthly summaries generated automatically
  • Full audit trail retained for 5 years per AML Act requirements
Reconciliation
May 2024 closing
Auto-match
Matched
84
Exceptions
3
Auto-matched
Invoice #1024
Incoming SEPA
PLN 12,500
Invoice #1025
BLIK settlement
PLN 3,200
Invoice #1026
SEPA Instant
EUR 2,800
Export CSV
Close month

Compliance checks run before the money moves.

Every counterparty screened, every transaction monitored, every report filed — automatically.

KYC

Counterparty Verification

Poland · AML Act

  • Identity and business verification before first transfer
  • Sanctions list and PEP screening on every counterparty
  • Risk score assigned automatically, manual review for high-risk
GIIF

GIIF Reporting

Poland · AML Act

  • Automatic transaction reports to GIIF system
  • Threshold alerts for transactions above €15,000
  • Full audit trail retained for 5 years per regulation

Questions about transfers

  • Express Elixir, Sorbnet, BLIK and standard SEPA Credit Transfers. SEPA Instant is available in beta. All rails accessible through the same API and dashboard.

Ready to integrate payments?

Get API keys in minutes. Talk to our team about volume pricing and custom compliance rules.

Get in touch