TotalMoney.pl Sp. z o.o.

Name

TotalMoney.pl Sp. z o.o.

Legal name

Totalmoney.pl Sp. z o.o.

Website

https://www.totalmoney.pl/

Company type

Private

Founded year

2007

Operating status

Operating

Ownership category

akta.pro rank

Product category

Loan Comparison Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

akta.pro secondary industries

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• Financial product comparison
• Loan comparison platform
• Mortgage comparison service
• Consumer credit intermediation
• Financial aggregator platform

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Lead Generation / Commission from Financial Institutions: Revenue is generated when TotalMoney successfully connects a user with a financial institution. When a user submits a contact form and subsequently signs a loan or credit agreement with a bank, the bank pays TotalMoney a commission. Users pay nothing for the service.
2. Cashback Promotional Program: TotalMoney organizes promotional cashback campaigns where users who apply through the platform and meet conditions receive monetary rewards from TotalMoney. This is funded by agreements with partner financial institutions.
3. Consumer Credit Intermediation Services: As a consumer credit intermediary under Polish law, TotalMoney performs factual and legal activities related to preparation, offering, or concluding credit agreements, earning fees from partner lenders.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

TotalMoney.pl operates an online financial comparison platform that helps Polish consumers and small businesses compare bank offers across personal loans, mortgages, credit cards, bank accounts, savings products, and business financing. The platform aggregates 199 offers from over 90 banks and financial institutions across 20 product categories, allowing users to filter, sort, and apply for the most suitable product. The service is free for end users; revenue is generated from commissions paid by partner banks when financial product agreements are completed.

Product overview

TotalMoney.pl is a financial comparison platform and loan aggregator operating as a unified website with multiple integrated product categories and tools. The core offering consists of loan comparison services (personal loans, consolidation loans, mortgages, car loans), deposit and savings products (savings accounts, term deposits), current accounts (personal and business), credit cards, and online loans/payday loans. Supporting these are 20+ financial calculators covering loan installments, creditworthiness, deposits, currency conversion, leasing, retirement savings (IKE/IKZE), mortgage overpayment and refinancing, and transfer timing. The platform also features government housing program information (First Home, Safe Credit 2%, Home to Start), a cashback promotional program, downloadable e-books on financial education, expert articles and guides, and a video series. The platform connects users with approximately 90 banks and financial institutions, charging commissions only when users successfully complete loan agreements with partner institutions.

Differentiator

Problem solved

Functional benefit

Brands

• Dwie Strony Monety: Expert article series exploring financial topics from both consumer and institutional perspectives
• FinansowySupermarket.pl
• Money2Money.com.pl
• 17bankow.com.pl
• direct.money.pl
• Medikredyt.pl

Products and services

• Personal Loan Comparison Service

Quantifiable outcome

• PLN 3.3 billion in loans facilitated to users through the platform (2019-2025)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

17 partnerships are on record, tiered core, strategic and supporting.

• Wirtualna Polska Holding S.A.coreOthersTotalMoney.pl is a subsidiary of Wirtualna Polska Holding S.A., Poland's major internet group. This parent relationship provides strategic backing, brand strength, and cross-platform distribution opportunities. TotalMoney is part of WP Holding's portfolio alongside brands including money2money.com.pl, 17bankow.com.pl, finansowysupermarket.pl, medikredyt.pl, and direct.money.pl.
• Fintech PolandstrategicOthersTotalMoney is an active member of Fintech Poland, the largest think-tank organization for digital finance in Poland. Membership supports participation in workshops, reports, and international collaboration that accelerates the development of online financial services.
• Fundacja LendtechstrategicOthersPartnership with Fundacja Lendtech, an organization supporting the lendtech sector (digital lending, BNPL, e-commerce). Together they co-create standards for digital lending in Poland and promote best practices in online financing.
• Alior BankcoreChannel Partner/ Reseller/ DistributorAlior Bank is one of the key banking partners whose products (personal loans, consolidation loans, credit cards) are featured in TotalMoney's comparison rankings and can be applied for through the platform's multi-form system.
• PKO Bank PolskicoreChannel Partner/ Reseller/ DistributorPKO BP, Poland's largest bank, is featured in TotalMoney's comparison platform with personal loans, consolidation loans, and other financial products available through the platform.
• Bank Pekao S.A.coreChannel Partner/ Reseller/ DistributorBank Pekao S.A. products are featured in TotalMoney's comparison rankings, including express loans and other credit products accessible through the platform.
• BNP Paribas Bank PolskacoreChannel Partner/ Reseller/ DistributorBNP Paribas Bank Polska is featured with personal loans, consolidation loans, and business accounts in TotalMoney's financial comparison rankings.
• ING Bank ŚląskicoreChannel Partner/ Reseller/ DistributorING Bank Śląski is a key partner with current account, savings, and loan products featured in TotalMoney's comparison rankings.
• mBankcoreChannel Partner/ Reseller/ DistributormBank is a prominent partner with personal loans, savings accounts, and other financial products featured on TotalMoney.
• VeloBankcoreChannel Partner/ Reseller/ DistributorVeloBank products including consolidation loans and other credit offerings are featured in TotalMoney's comparison rankings.
• Santander Consumer BankcoreChannel Partner/ Reseller/ DistributorSantander Consumer Bank is featured with personal loans, online loans, and financing products in TotalMoney's comparison platform.
• Bank MillenniumcoreChannel Partner/ Reseller/ DistributorBank Millennium products including credit cards, loans, and current accounts are featured in TotalMoney's rankings.
• Erste Bank PolskacoreChannel Partner/ Reseller/ DistributorErste Bank Polska products are verified and featured in TotalMoney's financial product comparison rankings.
• 90 Banks and Financial InstitutionscoreChannel Partner/ Reseller/ DistributorTotalMoney's network comprises 90 banks and financial institutions providing 199 active financial product offers across 20 categories including personal loans, mortgage loans, consolidation loans, credit cards, current accounts, savings accounts, deposits, business accounts, and leasing.
• Google LLC (Data & Analytics)supportingTechnology or IntegrationGoogle LLC provides analytics, advertising technology, and user tracking services to TotalMoney through Google Analytics, Google Ads, and related products. These tools enable traffic analysis, ad targeting, and user behavior measurement on the platform.
• Facebook / Meta (Social & Advertising)supportingTechnology or IntegrationFacebook/Meta provides social login, advertising, and audience analytics capabilities used by TotalMoney for marketing, retargeting, and social engagement activities.
• Microsoft ClaritysupportingTechnology or IntegrationMicrosoft Clarity provides user behavior analytics including heatmaps, session recordings, conversion paths, and survey functionality to help TotalMoney improve website usability and user experience.

Scale indicators8 records

Expansion highlights6 records

Direct peers

• Notus Finanse: Notus Finanse is a Polish loan broker and financial intermediary. It is a comparable peer operating in the consumer credit intermediation space, working with multiple bank partners.
• Open Finance: Open Finance is a Polish financial intermediary offering advisory and comparison services across loans, mortgages, and investments. It overlaps with TotalMoney in the consumer credit intermediation category.
• Comperia.pl: Comperia.pl is a leading Polish financial product comparison platform offering similar comparison services for loans, mortgages, credit cards, and bank accounts. It is the most direct domestic competitor to TotalMoney in product category, customer base, and revenue model.
• Bankier.pl: Bankier.pl is one of Poland's largest financial portals, offering comparison tools for loans, mortgages, and bank accounts alongside financial news. It overlaps directly with TotalMoney in financial product comparison and lead generation for Polish banks.
• Expander: Expander is a Polish financial advisory firm that historically offered loan brokerage and comparison services. It is a comparable peer given its intermediary role connecting Polish consumers with lenders.
• FinansowySupermarket.pl: FinansowySupermarket.pl is actually a wholly-owned sub-brand of TotalMoney, but operates as a separately branded comparison portal for the same category. Included for completeness given its direct product overlap.
• Money2Money.com.pl: Money2Money.com.pl is another TotalMoney sub-brand offering financial comparison services. Listed for completeness; it operates the same business model under a different brand within the parent's portfolio.

Broad incumbents

• mBank: mBank is one of Poland's largest digital banks and a TotalMoney partner. While not a comparison platform itself, its growing direct digital offering makes it a broad incumbent competing for the same consumer financial product decision.
• Bank Millennium: Bank Millennium is a major Polish retail bank and TotalMoney partner. As an incumbent bank with growing direct digital channels, it represents the kind of broad incumbent that could disintermediate comparison platforms.

Regional players

• Lendo: Lendo is a loan comparison platform operating across multiple European markets including Poland. While operating in Poland, its broader Nordic/European footprint differentiates it from TotalMoney's purely domestic focus.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtiktok.com/@totalmoney.pl
• YouTubem.youtube.com/@Totalmoney_pl
• Facebookfacebook.com/totalmoneypl
• LinkedInlinkedin.com/company/totalmoney.pl-sp.-z-o.o.
• Instagraminstagram.com/totalmoney.pl

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TotalMoney.pl Sp. z o.o.