Net Credit
Net Credit (Fincard sp. z o.o.) is a Polish KNF-licensed fintech offering a digital-first Mastercard credit card with limits up to 20,000 PLN to Polish consumers via a fully online application process and mobile app.
- Company typePrivate
- Founded2009
- HeadquartersWarszawa, Poland
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Net Credit does
Net Credit operates a digital-first consumer credit card product under the Netcredit brand, issued by Fincard spółka z ograniczoną odpowiedzialnością (Fincard sp. z o.o.), a KNF-licensed Krajowa Instytucja Płatnicza (National Payment Institution) registered in Warsaw, Poland under number IP62/2024. The company has operated since 2009 with 51-100 employees and serves Polish consumers seeking accessible revolving credit through a fully online application process available 24/7 at netcredit.pl, with no physical branch requirements. The core product is the Karta Kredytowa Netcredit, a Mastercard-branded revolving credit card offering limits up to 20,000 PLN with a 360-day contract period and automatic renewal, available in both virtual and physical formats.
The technology platform supports end-to-end digital onboarding, iOS and Android mobile applications, Apple Pay and Google Pay digital wallet integration, and a Fast Cash feature enabling instant partial limit withdrawal at contract signing. Underwriting is supported by Biuro Informacji Kredytowa (BIK) credit bureau checks and Kontomatik bank account verification. The company markets through SEO-optimized blog content targeting consumer credit keywords, promotional offers (first 30 days free for new customers, 60 days for returning customers), and direct digital acquisition.
Net Credit generates revenue through three subscription-style streams: a recurring 1.64% monthly commission on the granted credit limit, variable annual interest of 14.5% on utilized balances (representative APR 38.97% on a 1,000 PLN limit), and tiered annual card maintenance fees ranging from 50 PLN (Start) to 600 PLN (Maxi). The company is a member of multiple Polish industry associations (ZPF, PONIP, PZIP) and operates under ZPF Good Practices for ethical lending. No funding rounds, M&A activity, or institutional investors are disclosed; ownership rests with a single shareholder per regulatory filings.
Net Credit firmographics
Firmographics- Name
- Net Credit
- Legal name
- Fincard spółka z ograniczoną odpowiedzialnością
- Website
- https://netcredit.pl
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Net Credit (Fincard sp. z o.o.) is a Polish KNF-licensed fintech offering a digital-first Mastercard credit card with limits up to 20,000 PLN to Polish consumers via a fully online application process and mobile app.
- Ownership category
- akta.pro rank
Net Credit industry classification
Industry- Product category
- Consumer Lending (Revolving Credit Cards)
- NAICS
- Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- General Purpose Credit Cards (FSAKABAA)
- akta.pro secondary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where Net Credit is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Net Credit business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Credit Card Commission Fees: Recurring commission fee of 1.64% charged on the granted credit limit per billing period (30-day cycle) for active use of the credit limit
- Interest Income: Interest charged on utilized credit balance at 14.5% annual variable rate (APR 38.97% representative example for 1,000 PLN limit)
- Card Service Fees: Tiered annual card maintenance fees ranging from 50 PLN (Start) to 600 PLN (Maxi) depending on the selected service package
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Credit limit up to 20,000 PLN with commission-based pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Net Credit product offering
Product offeringCore offering
Net Credit provides a Mastercard-branded revolving consumer credit card with a credit limit up to 20,000 PLN, operated through a fully digital 100% online application process available 24/7. The product is a 360-day auto-renewing credit line with monthly billing cycles, tiered card service packages, and optional instant fund disbursement (Fast Cash). The platform is run by Fincard sp. z o.o., a KNF-licensed Polish National Payment Institution (Krajowa Instytucja Płatnicza, IP62/2024).
Product overview
Net Credit is a consumer lending platform operated by Fincard Sp. z o.o. (a Krajowa Instytucja Płatnicza registered with KNF under number IP62/2024). The core product is the Karta Kredytowa Netcredit (Netcredit Credit Card), a Mastercard-branded credit card offering credit limits up to 20,000 PLN with a 360-day contract period. The product portfolio consists of the main credit card (available as virtual or plastic), supplemented by a mobile application for iOS and Android providing account management, and the Fast Cash feature for rapid fund access. The company targets consumers seeking additional financial flexibility with promotional terms (first 30-60 days free for new customers).
Differentiator
Problem solved
Functional benefit
Products and services
- Karta Kredytowa Netcredit (Netcredit Credit Card) A Mastercard-branded revolving consumer credit card offering a credit limit of up to 20,000 PLN with a 360-day contract period (auto-renewable). The card is available in virtual and plastic formats and provides access to additional funds for purchases, cash withdrawals, and online payments. It is targeted at Polish consumers seeking flexible revolving credit, with monthly billing cycles, a minimum payment option (rather than full balance repayment), and tiered service packages (Start through Maxi).
Quantifiable outcome
- RRSO (APR) of 38.97% for representative 1,000 PLN limit example
- +2 more outcomes
Companies that use Net Credit
Customer profileSegments1 record
Ideal customer profiles1 record
Net Credit technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature4 records
Net Credit partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- MastercardcoreStrategic partnership enabling Netcredit branded credit cards on the Mastercard network, providing global payment acceptance and digital wallet compatibility (Apple Pay, Google Pay). This partnership is fundamental to the product offering.
- Biuro Informacji Kredytowej (BIK)coreCredit bureau integration used for creditworthiness checks during the application process, checking customer's historical repayment behavior in Polish banking system
- Komisja Nadzoru Finansowego (KNF)corePolish Financial Supervision Authority - regulatory oversight body that licensed Fincard as Krajowa Instytucja Płatnicza under registration number IP62/2024
- Związek Przedsiębiorstw Finansowych (ZPF)minorPolish Financial Enterprises Association - Netcredit is a member and follows ZPF Good Practices principles for ethical lending
- Polska Organizacja Niebankowych Instytucji Płatności (PONIP)minorPolish Organization of Non-Banking Payment Institutions - industry membership organization for payment service providers
- Polski Związek Instytucji Płatniczych (PZIP)minorPolish Union of Payment Institutions - industry association representing non-bank payment service providers in Poland
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
Net Credit competitors and assessment
Company assessmentEmerging players
- Klarna: European BNPL and revolving credit provider expanding across CEE, including Poland. Comparable on consumer revolving credit structure and digital-only distribution, though focused on checkout financing rather than standalone credit cards.
- Revolut: European fintech super-app with a large Polish user base, expanding into consumer credit, revolving lines, and card products in Poland and CEE. Comparable as a digital-first challenger competing for the same digitally-engaged Polish consumer segment; overlapping more as Revolut expands its credit offerings.
Direct peers
- Vivus.pl: One of the largest online consumer lenders in Poland (part of the 4finance group), offering short-term and installment loans to Polish consumers via a digital channel. Comparable on Polish consumer credit focus, digital distribution, and non-bank lending positioning.
- Twisto: Polish-origin fintech offering revolving 'pay later' credit lines and short-term consumer credit via a mobile app, with Polish KNF-licensed operations. Direct comparable on product (revolving credit line), digital-first UX, and Polish consumer target market.
- Provident Polska: Major Polish consumer finance provider (part of International Personal Finance) offering home-collected and online personal loans. Comparable on Polish consumer credit target market and unsecured personal lending to non-prime borrowers, though historically more branch-based.
- Smartney: Polish digital consumer lending fintech offering revolving credit lines and personal loans to Polish consumers via fully online processes. Most directly comparable peer to Netcredit given overlapping product structure (revolving credit), customer base (Polish non-bank borrowers), and digital-only distribution.
Broad incumbents
- Alior Bank: Polish universal bank with a strong consumer credit franchise including credit cards and personal loans, historically positioned toward non-prime segments. Comparable on Polish consumer credit focus and Mastercard card issuance, with a broader banking product suite and deposit funding.
- PKO Bank Polski: Largest Polish bank by assets, issuing a wide range of credit cards (including Mastercard-branded products) to Polish consumers and SMEs. Comparable on credit card product, Mastercard rails, and Polish consumer target, but operates as a full-service deposit-taking bank with far lower funding costs.
- mBank: One of Poland's largest banks and a digital-banking pioneer, offering credit cards, revolving credit, and personal loans to Polish consumers via a mobile-first platform. Comparable on credit card product and digital-first UX, but with deposit-funded balance sheet and broader product suite.
- Bank Pekao: Major Polish commercial bank (part of PZU Group) issuing Mastercard credit cards and offering consumer credit products. Comparable on credit card issuance, Mastercard network, and Polish consumer market, with deeper balance sheet and broader product portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Net Credit social profiles
Digital presenceNet Credit compliance and trust
Trust signalCompliance2 records
Net Credit financial estimates
Financial estimateRevenue estimate
Valuation estimate
Net Credit leadership team
Management profileNumber of profiles
Net Credit funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Net Credit M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Net Credit
What does Net Credit do?
Net Credit provides a Mastercard-branded revolving consumer credit card with a credit limit up to 20,000 PLN, operated through a fully digital 100% online application process available 24/7. The product is a 360-day auto-renewing credit line with monthly billing cycles, tiered card service packages, and optional instant fund disbursement (Fast Cash). The platform is run by Fincard sp. z o.o., a KNF-licensed Polish National Payment Institution (Krajowa Instytucja Płatnicza, IP62/2024).
Is Net Credit a public or private company?
Net Credit is a private company. It is classified as unknown and is currently operating.
When was Net Credit founded?
Net Credit was founded in 2009. It employs 11 to 50 people.
Where is Net Credit based?
Net Credit is headquartered in Warszawa, Poland, in the Europe region.
How does Net Credit make money?
Three revenue lines are on record. Credit Card Commission Fees are the primary driver. The others are interest Income and card Service Fees.
Who are Net Credit's main competitors?
Emerging players on record are Klarna and Revolut. Direct peers are Vivus.pl, Twisto, Provident Polska and Smartney. Broad incumbents are Alior Bank, PKO Bank Polski, mBank and Bank Pekao.
Does Net Credit have an API?
No public API is recorded for Net Credit.
What industry is Net Credit in?
Net Credit's product category is Consumer Lending (Revolving Credit Cards). Its primary akta.pro industry code is FSAKABAA, General Purpose Credit Cards, with a secondary code of FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment). Its NAICS code is 52221 and its SIC code is 6141.