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For 25 years Elixir has ensured efficient interbank payments settlement in Poland.

Apart from execution of credit payments, such as transfer orders, tax payments or social insurance contributions, it allows to effect debit payment orders, i.e. direct debits. Transactions directed to the system are settled within one of three Elixir sessions held each business day and closed on the same day in SORBNET2 system of the National Bank of Poland, which guarantees interbank transfer of funds.

Except for exchange of clearing messages the system created by KIR allows the electronic transfer of information between its participants.

Exchange of messages in the Elixir system is possible 24 hours a day. Transactions may be directed to the system by the banks 24/7/365 and they are settled within one of three Elixir sessions held on any business day.

KIR guarantees high security of the Elixir system. All information processed in the system, including clearing messages, bear the Szafir digital signature. In ensures the integrity of the data sent. The system complies with the European standards regarding the handling of interbank payments ensuring payment completion within the current day.

The Elixir system employs the mechanism of multilateral netting, i.e. compensation of transfers effected between the banks. Owing to this solution, the level of funds necessary for payment settlement may be decreased even by 70%, which significantly facilitates liquidity management. It also allows to reduce the transaction costs.

To streamline the procedure of order processing KIR offers its participants a free Elixir-ok application which verifies the correctness of the messages and prepares them for sending to the central application of the system.

Elixir is continuously and regularly developed and adjusted to the banks' needs as well as the evolving payments market.

Apart from the Elixir system applied for clearing PLN payments, KIR also provides the banks with access to Euro Elixir which processes pan-European transactions in Euro and the Express Elixir system that allows to make instant interbank PLN transfers 24/7/365.

Why use Elixir?

  • clearing guarantee – the Elixir system is a standard for interbank clearings in Poland and allows to make payments between all banks,
  • trust – owing to the fact that the Elixir system was developed in co-operation with the banks, it forms an integral part of the financial sector infrastructure in Poland,
  • long-standing reliability – for 20 years the system has reliably processed all payments directed for clearing,
  • operational flexibility – it allows the flexible creation of clearing schemes, that is why it may be regularly adjusted to the banks' needs, including diversified types of payments (e.g. transfer order, tax payments, direct debit),
  • optimization of costs – the applied netting model allows to reduce the liquidity necessary to the banks for the purpose of clearing the clients' payments to the level of 70%, which significantly reduces the costs and expands options of liquidity management,
  • compliance with the European standards – the Elixir system complies with the European standards, thus, each bank participating in the system has a guarantee that it operates according to the European requirements, in particular those regarding the speed of transfer handling.

Each business day three clearing sessions are held in the Elixir system: (1) morning, (2) afternoon and (3) evening, closed with a settlement in the SORBNET2 system.

Stage Session no 1 Session no 2 Session no 3
Entry opening

4:00 p.m.

9:30 a.m.
1:30 p.m.
Entry closing 9:30 a.m. 1:30 p.m. 4:00 p.m.
Processing, clearing 9:30 a.m.-10:30 a.m.

1:30 p.m.-2:30 p.m.

4:00 p.m.-5:00 p.m.
Settlement 10:30 a.m.-11:00 a.m.

2:30 p.m.-3:00 p.m.

5:00 p.m.-5:30 p.m.
Exit from 11:00 a.m. from 3:00 p.m. from 5:30 p.m
Reports after 11:00 a.m. after 3:00 p.m. after 5:30 p.m.

Almost all types of payments are handled within particular sessions, except for direct debits made during selected sessions according to the scheme developed by the Polish Bank Association.

List of direct participants in Elixir (as of 02/01/2017) 

No Clearing no Bank name
1. 10100000 Narodowy Bank Polski
2. 10200003 Powszechna Kasa Oszczędności Bank Polski S.A.
3. 10300006 Bank Handlowy w Warszawie S.A.
4. 10500002 ING Bank Śląski S.A.
5. 10600005 Bank BPH S.A.
6. 10900004 Bank Zachodni WBK S.A.
7. 11300007 Bank Gospodarstwa Krajowego
8. 11400000 mBank S.A.
9. 11600006 Bank Millennium S.A.
10. 12400001 Bank Polska Kasa Opieki S.A.
11. 12800003 HSBC Bank Polska S.A.
12. 13200006 Bank Pocztowy S.A.
13. 14700002 Euro Bank S.A.
14. 15400004 Bank Ochrony Środowiska S.A. w Warszawie
15. 15600000 Getin Noble Bank S.A.
16. 15800006 Mercedes-Benz Bank Polska S.A.
17. 16000003 Bank BGŻ BNP Paribas S.A.
18. 16100006 SGB - Bank S.A.
19. 16700004 RBS Bank (Polska) S.A.
20. 16800007 Plus Bank S.A.
21. 17500009 Raiffeisen Bank Polska S.A. w Warszawie
22. 18400007 Societe Generale w Warszawie
23. 18700006 Nest Bank S.A.
24. 18900002 Pekao Bank Hipoteczny S.A.
25. 19100009 Deutsche Bank Polska S.A.
26. 19300005 Bank Polskiej Spółdzielczości S.A.
27. 19400008 Credit Agricole Bank Polska S.A.
28. 19500001 Idea Bank S.A.
29. 21300004 Volkswagen Bank Polska S.A.
30. 21400007 FCA-Group Bank Polska S.A.
31. 21500000 mBank Hipoteczny S.A.
32. 21600003 Toyota Bank Polska S.A.
33. 21900002 DNB Bank Polska S.A.
34. 22100009 Bank of Tokyo-Mitsubishi UFJ (Polska) S.A.
35. 22500001 Svenska Handelsbanken AB S.A. Oddział w Polsce
36. 23500002 BNP Paribas S.A. Oddział w Polsce
37. 23600005 Danske Bank A/S S.A. Oddział w Polsce
38. 23700008 Skandinaviska Enskilda Banken AB S.A. Oddział w Polsce
39. 24900005 Alior Bank S.A.
40. 85910007 Krakowski Bank Spółdzielczy
41. 94840007 Bank Spółdzielczy w Brodnicy