cardina sp. z o.o.

What cardina sp. z o.o. does

Cardina sp. z o.o. is a Polish non-bank credit institution headquartered in Warsaw at Postępu 18a (02-676), operating under KRS registration 623659 with a share capital of 1,666,500 PLN. The company's sole consumer product is the Cardina Active Mastercard, a digital credit card distributed entirely through an online application process on the Mastercard network, with credit limits of PLN 600 to PLN 5,000 (typical issuance PLN 3,000–3,500). The product targets Polish consumers who lack access to traditional bank credit, and pricing is structured around a 1.64% monthly limit fee, 14.50% nominal annual interest, a one-time PLN 350 fee, and a stated 90.51% APR.

The company's business model is a direct-to-consumer, digital small-ticket revolving credit book underwritten by a non-bank entity, monetizing via recurring interest charges, a monthly access fee on the credit limit, and an upfront issuance fee. GTM is fully online: the application is web-based, customer service is provided through Tawk live chat, payments are processed via BlueMedia, and Google Analytics / Adsense support funnel analytics and acquisition. Editorial support takes the form of an active Polish-language financial-advice blog (with posts dated into 2025–2026) used as a content/SEO channel for inbound acquisition.

Governance is concentrated: majority shareholder Thomas Neckmar also serves on the Supervisory Board, providing single-decision-maker control of strategy and risk. The company currently appears operationally active with a single product, a small balance sheet, no disclosed funding rounds, no acquisitions, no headcount data, and no public revenue figures, which constrains any quantitative read on scale or growth velocity. Competitive positioning rests on regulatory authorization to issue credit outside the banking perimeter, the Mastercard network relationship, and a low-cost digital distribution advantage versus traditional Polish retail lenders.

Name

cardina sp. z o.o.

Legal name

Cardina Sp. z o.o.

Website

https://cardina.pl

Company type

Private

Operating status

Operating

Short description

Cardina sp. z o.o. is a Warsaw-based Polish non-bank credit institution that issues the Cardina Active Mastercard, a digital small-ticket credit card for consumers without traditional bank access, distributed fully online with limits of PLN 600–5,000 and priced via a monthly limit fee plus interest.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Credit Cards

NAICS

Credit Card Issuing (522210), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Card Issuing Platforms (Issuer Processing) (FSAGABAD)

akta.pro secondary industry

Embedded Card Issuing & Card-as-a-Service (FSAGALAC)

Keywords

• Non-bank credit cards
• Consumer lending
• Revolving credit
• Online lending
• Contactless payments

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Limit Fees: Monthly fee charged on the utilized credit limit (1.64% of limit value monthly). This is the primary revenue stream.
2. Interest on Outstanding Balance: Interest charged on outstanding balances when full payment is not made during the interest-free period. Nominal interest rate of 14.50% annually.
3. One-time Card Fees: One-time fees for card issuance and limit setup, such as the 350 zł one-time fee mentioned in representative examples.
4. Transaction Fees: Fees for cash withdrawals and potentially other transaction types as specified in the card terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Cardina Sp. z o.o. offers the Cardina Active Mastercard, a non-bank (pozabankowa) credit card distributed entirely through online channels. Customers apply via cardina.pl, complete identity verification, receive a credit decision within minutes, and can access funds in their account before the physical card arrives. The card operates on the Mastercard network, supports contactless payments, and provides revolving credit limits from 600 zł to 5,000 zł with flexible repayment terms.

Product overview

Cardina Sp. z o.o. is a non-bank financial institution (instytucja pozabankowa) specializing in credit card services. The company's single product offering is the Cardina Active Mastercard, a pozabankowa karta kredytowa (non-bank credit card) that enables customers to access credit funds through an entirely online application process. The card features contactless payment functionality, credit limits ranging from 600 PLN to 3,500 PLN (or up to 5,000 PLN based on creditworthiness), and promotional programs rewarding active usage. Customers can receive funds in their account before receiving the physical card, and the company offers flexible repayment options including minimum payment amounts.

Differentiator

Problem solved

Functional benefit

Brands

• Cardina Active Mastercard: The company's primary credit card product - a non-bank credit card with contactless payment functionality, promotional offers for active users, and credit limits up to 3,500 PLN.

Products and services

• Cardina Active Mastercard A non-bank (pozabankowa) revolving credit card targeted at Polish consumers who may not qualify for traditional bank-issued cards. The card offers fully online application and identity verification with credit decisions within minutes, credit limits ranging from 600 zł to 5,000 zł based on creditworthiness, contactless Mastercard acceptance, funds accessible on the customer's account before the physical card arrives, and a promotional rewards program for active card users.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• MastercardcoreTechnology or IntegrationCardina Active Mastercard operates on the Mastercard payment network, enabling worldwide card acceptance and contactless payments.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Vivus.pl: Polish online non-bank consumer lender offering short-term credit products with fully online application, directly competing with Cardina's near-prime Polish consumer segment with similar high APR pricing structure.
• Wonga.pl: Polish online consumer credit provider serving underbanked consumers with revolving credit and installment loans, comparable to Cardina in target customer, digital onboarding, and fee-based revenue model.
• Ferratum Bank: European non-bank lender with Polish operations offering consumer credit lines and revolving products; directly comparable to Cardina in serving Polish consumers unable to access traditional bank credit via a fully digital channel.
• Zaplo.pl: Polish online non-bank lender offering revolving credit lines to consumers with thin credit histories; comparable to Cardina's target segment, product structure, and high-cost credit positioning.
• Creamfinance Poland: Polish operation of Creamfinance, an EU non-bank lender offering online consumer credit lines; directly competes with Cardina for underbanked Polish consumers using similar fully digital application and revolving credit structures.
• Kredito24 Poland: Polish online non-bank installment and revolving lender under the 4Finance group; comparable to Cardina in targeting Polish consumers with limited bank access through a digital-only acquisition channel.
• Inbank Poland: Polish operation of Inbank, an Estonian-origin specialized bank offering consumer credit and credit cards online; comparable to Cardina in offering revolving credit products via a digital channel to Polish consumers.

Emerging players

• Twisto Payments: Czech-Polish fintech offering digital credit/payment cards with BNPL-style functionality; comparable to Cardina in using card rails and Mastercard network for non-bank credit products targeting digital-native consumers in Poland.

Broad incumbents

• Revolut Bank UAB (Poland): European neobank with Polish operations offering credit products alongside broader financial services; comparable to Cardina in targeting digital-first consumers with accessible credit cards, but with vastly larger scale and broader product suite.
• Bank Millennium (pozabankowa karta): Major Polish retail bank offering credit cards and revolving credit products to Polish consumers; comparable to Cardina as a competing provider of Polish credit cards, though serving a broader customer base including prime borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CardinaPL
• LinkedInlinkedin.com/company/cardina

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 cardina sp. z o.o.