Poland CASP Cost: Is a CASP License in Poland Expensive? A Detailed Cost and Value Analysis [UPDATED 2026]

Crypto entrepreneurs now ask: Is the Polish CASP license still affordable, or has it become expensive?

The answer depends on your perspective. While the entry costs have risen significantly compared to the old regime, Poland remains one of the most cost-effective and strategically valuable jurisdictions in the European Union for obtaining a CASP authorisation.

The Cost of Entry: Regulatory and Statutory Fees

When evaluating the “expense” of a license, the first layer is the direct fee paid to the national regulator — in this case, the Polish Financial Supervision Authority (KNF). 

Under the new regulatory regime, there is a transition from the previous VASP license system to the CASP license, reflecting updated requirements for crypto-asset service providers in Poland.

The Application Fee

Under the MiCA-aligned framework, the application fee for a CASP license in Poland is set at approximately 4,500 EUR.

While this is a notable increase from the former VASP registration fee (which was roughly 130 EUR), it remains highly competitive within the EU. In larger financial hubs like France or Ireland, comparable licensing fees can be significantly higher. 

This fee covers the KNF’s extensive review process, which includes the “Fit and Proper” assessment of management and the technical audit of IT systems. 

A detailed business plan is also a mandatory part of the application documentation, demonstrating financial robustness, operational structure, and compliance strategies to regulators.

Related reading: Is It Possible to Establish a Poland CASP Company Remotely?

Supervisory Fees of the Polish Financial Supervision Authority

Once authorised, companies must contribute to the costs of market oversight. In Poland, this annual supervisory fee is typically calculated as a percentage of the company’s (CASP’s or a token issuer’s) revenue — usually ranging between 0.4% and 0.5%, with a minimum floor of approximately 500 EUR. This “pay-as-you-grow” model is particularly advantageous for startups, as it ensures that the regulatory burden scales alongside the business’s success.

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Prudential Safeguards for Crypto Asset Service Providers: The Capital Requirements

The most significant “cost” of a CASP license isn’t a fee you pay away, but rather the capital you must hold. MiCA introduces strict “Prudential Requirements” (Article 67) to ensure that crypto-asset service providers have enough liquidity to weather operational risks.  

The capital requirements vary depending on your business model and the range of cryptocurrency services or crypto services provided.

Custodial services and operating a crypto exchange are examples of crypto activities that require higher capital thresholds. Only a properly registered limited liability company or other legal entity can apply for a CASP license, and company registration in Poland is a prerequisite. 

Crypto service providers must specify the crypto services provided, including trading in other crypto assets, as part of the application.

Note: These funds are not a “cost” in the sense of an expense; they remain the company’s assets. However, they represent a significant initial capital commitment that must be locked in the business.

The “Substance” Expense: Operational Presence

MiCA explicitly forbids “letterbox” companies. According to Article 59 of MiCA, a CASP must have its “place of effective management” in the Member State where it is authorised. For a non-resident entrepreneur, this introduces operational costs that were largely absent under the old VASP regime.

To meet regulatory standards, companies must establish robust internal processes and risk management procedures as part of their compliance framework. These measures are essential for identifying, assessing, and mitigating money laundering risks, and for ensuring that the company’s operations adhere to legal and regulatory requirements.

Physical Infrastructure

A Polish CASP must maintain a physical office. While Poland offers competitive commercial real estate prices compared to Western Europe, this still involves:

• Monthly rent and utilities;
• Secure storage for physical records (if applicable);
• IT infrastructure capable of meeting the KNF’s security standards.

Personnel and Residency

One of the key requirements for a Polish CASP is having at least one management board member who is a resident of the EU (preferably Poland). Furthermore, you will need:

• An AML/Compliance Officer: Often a local hire who understands Polish AML/CFT reporting (GIIF requirements);
• Internal Audit and Risk Management: Depending on the scale of your operations, these functions may need dedicated staff or specialised outsourcing.

While Poland’s labour market is more affordable than that of Switzerland or Luxembourg, hiring qualified FinTech and compliance professionals is a significant ongoing operational expense.

Also read: Is the New Poland CASP License Perfect for Crypto Startups?

Comparing the “Price” of Compliance

To determine if Poland is “expensive,” one must compare it to the alternatives.

• Poland vs. Western Europe: For businesses in the digital asset sector and the broader crypto industry, Poland’s operational costs (salaries, rent, legal fees) are generally 30% to 50% lower than in EU countries like Germany or the Netherlands;
• Poland vs. Offshore: Offshore jurisdictions may be “cheaper” in terms of taxes and capital, but they lack the EU Passporting right. A Polish CASP license allows you to legally target customers in all 27 EU member states without needing additional licenses. Obtaining the proper legal status and adhering to EU standards are essential for operating in the EU market;
• The Cost of Non-Compliance: Under MiCA, the penalties for operating without a license or violating market abuse rules are astronomical — up to 5,000,000 EUR or 10% of annual turnover. In this context, the cost of a Polish license is an investment in risk mitigation. MiCA compliance is also a key factor in determining the overall cost and value of a Polish license.

Navigating MiCA: More than Just Numbers

The “expense” of a license is also measured in the complexity of the application. MiCA (specifically Articles 62 and 63) requires a massive volume of documentation, including:

• A 3-year business plan;
• Detailed descriptions of IT systems and security arrangements;
• Proof of “good repute” (criminal record checks) for all shareholders;
• Procedures for the segregation of client assets and funds.

Demonstrating robust internal processes is a key part of the application documentation, as authorities require clear evidence of compliance workflows and operational procedures. 

A crypto company must also provide evidence of compliance with crypto asset market oversight requirements, including details on how it will meet annual fee obligations and ongoing regulatory standards.

The time and expertise required to draft these documents can be expensive if not managed correctly. This is where professional guidance becomes essential to avoid the “hidden cost” of application rejections and delays.

How LegalBison Can Help You Optimise Costs

At LegalBison, we specialise in making the complex process of MiCA Regulation registration predictable and efficient. We understand that for an entrepreneur, “expensive” is often synonymous with “uncertain.” LegalBison assists clients in meeting all requirements to obtain a crypto license and legally provide such services in Poland.

We help you navigate the Polish CASP authorisation by providing:

• Turnkey Company Formation: We handle the legal incorporation of your Polish Sp. z o.o., ensuring it is structured correctly for a financial license from day one;
• Drafting Compliance Manuals: We provide tailored AML, KYC, and Risk Management policies that meet both MiCA standards and Polish national requirements, saving you hundreds of hours of legal drafting;
• Substance Solutions: We assist in sourcing local directors, compliance officers, and office space to satisfy the KNF’s residency and substance requirements;
• Communication with the KNF: We act as your liaison with the Polish regulator, handling requests for information (RFIs) and ensuring the application process stays on track.

By leveraging our expertise, you avoid the trial-and-error costs that often plague DIY applications. We provide a clear roadmap that allows you to budget effectively without fear of hidden regulatory surprises.

The Verdict: Is it Expensive?

Is the CASP license in Poland expensive?

• Compared to the old Polish VASP? Yes. The barriers to entry have been raised to ensure a safer, more professional market;
• Compared to other EU MiCA licenses? No. Poland remains one of the most accessible and cost-efficient gateways into the European crypto market;
• Compared to the value it provides? Absolutely not. The ability to operate across the entire EU with a single, respected license is a massive competitive advantage. Holding a Polish CASP license also enables companies to conduct and report crypto transactions in compliance with EU regulations.

Poland offers a unique “middle ground”: the prestige and security of a full EU financial license combined with the operational cost-efficiencies of Eastern Europe.

Final Word

Navigating the shift to a MiCA-compliant authorisation in Poland takes a solid strategy for long-term adherence to the new standards. At LegalBison, we don’t treat licensing as just another administrative hurdle, but as the bedrock of your company’s future. 

As FinTech legal specialists, we’re here to handle the heavy lifting — from incorporation to crafting policies that actually fit MiCA Regulation. We help you tackle the “substance” requirements by finding the right local talent and infrastructure, ensuring you’re ready for KNF scrutiny. Contact us today for a personalised plan and a cost-effective licensing solution.