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Security

For 14 years, we have been consistently building the credibility of our website.

A stable company

  • InternetowyKantor.pl has been operating continuously since April 2010. The website operator is Currency One joint-stock company with a share capital of PLN 3,450,000.

  • The company is licensed by the Polish Financial Supervision Authority to provide payment services. This means that the company is in good financial condition, and the funds for payment transactions are protected because they are in separate accounts and are excluded from the bankruptcy estate. More about the licence»

  • Our customers exchange over PLN 4 billion annually.

  • We employ specialists who ensure proper functioning of the website, its development and security.

  • Our security features have been appreciated by the bankier.pl portal, which awarded us the main prize in the category of “Security – best Fintech practices” in the Złoty Bankier ranking.

Transaction security

  • InternetowyKantor.pl is secured with an Extended Validation SSL certificate. All data sent between our website and customers are encrypted. Data transmission security is certified by GeoTrust.

  • Comfort and security of transaction execution are the cornerstone of our operations, which is why we place great emphasis on the development of transaction security measures within our service. All operations are constantly monitored for proper execution by our transaction security monitoring team.

  • We provide Users with SMS authentication  and mobile authorization, which significantly increases data and transaction security.

  • We run security tests at regular intervals and also through the entire software development process.

By the letter of the law

  • We care about the good name of our Company and the entire online currency exchange industry, which is why we comply with the procedures imposed on the financial sector by Polish and international law, in particular the provisions of the Act of March 1, 2018 on Counteracting Money Laundering and Terrorist Financing.

  • Under the Act, we are obliged to collect and submit certain information to the General Inspector of Financial Information (GIIF). GIIF is a government administration body responsible for obtaining, collecting, processing and analysing information in the manner specified in the Act on Counteracting Money Laundering and Terrorist Financing, preventing the introduction of assets from illegal or undisclosed sources into financial circulation and counteracting terrorist financing.

  • Resulting from the above obligations are three key requirements: customer identification and verification, ongoing monitoring of customers and transactions (in terms of money laundering risk) and suspicious occurrences reporting.

  • We are required to collect personal information and identity document features from all our customers. In addition, in the case of institutional customers, we also collect company registration data. We check the compliance of these data with the information identifying bank transfers. In justified cases, we may need to ask you for additional documents or explanations.

  • We constantly monitor transactions. We report transfers above the equivalent of EUR 15,000 and all those transactions for which there is a reasonable suspicion of money laundering or terrorist financing.

Frequently asked questions

What identity documents are accepted and what features are collected?

Relevant identity documents are: ID card, passport or residence card (in the case of foreigners residing in Poland). We require information about an identity document, the so-called “document features”, which include: document type, its number. issue date and expiration date.

How is my personal data protected?

InternetowyKantor.pl complies with all procedures contained in Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/ EC (referred to as “GDPR”). As part of their implementation, it follows good practices and recommendations of the Office for Personal Data Protection ( UODO). Unauthorised persons do not have access to the databases and we do not make them available outside our organisation.

I would like to sign an agreement in addition to accepting the terms and conditions. Is it possible?

Yes – at a user’s request, we conclude a currency exchange agreement. InternetowyKantor.pl undertakes to exchange the funds sent to its bank account. This agreement is sent at the user’s request to their email address, so that suggestions can be made, and then approved or rejected with the consent of both parties.

What happens to my money when I transfer it from my bank to the InternetowyKantor.pl account?

The sender’s bank processes the transfer order and forwards it to the recipient’s bank or to a correspondent bank (the so-called intermediary bank), which also processes the order to finally post the transfer to the recipient’s account. After the crediting of the account is noted, the InternetowyKantor.pl system processes the transfer in order to post the payment in the User’s profile. First transfers from a given account undergo manual verification by one of our consultants; subsequent transfers are booked automatically.

What happens to my money from the moment it is credited to the InternetowyKantor.pl account?

Throughout the transaction your money is safe in a bank account. No one but us has access to it. The funds are not used for the financial activities of the company, as we have separate accounts for this purpose. The paid amount is always at your disposal, you can pay it out at any time. If the transaction is cancelled, the funds are automatically sent back to the source bank account.

We have additional security measures in place that disable adding new bank accounts once you have deposited funds to be exchanged. Hence, even if the password to the Customer Panel is stolen, it is not possible to convert funds to an external bank account (other than the one previously defined by you). Adding each account in the profile requires authentication with an SMS code sent to the telephone number provided in the panel. Additionally, adding an account is confirmed via email.

Why are exchanges via InternetowyKantor.pl safer than cash exchanges in a traditional exchange office?

One of the greatest benefits offered by the Internet is the complete elimination of the risk associated with cash transactions. Thanks to online transactions, you will avoid many precarious situations like:

  • the risk of receiving counterfeit notes that are worthless and can cause trouble with your bank and the police,
  • the risk connected with the personal transport of banknotes, which wastes your time and exposes you to theft,
  • the risk of losing the transported amount due to haste or stress associated with the amount,
  • the risk of incorrect conversion of the exchanged amount by the currency teller.

How to create a secure password?

  • the password must consist of at least 8 characters,
  • the password should contain both uppercase and lowercase letters, numbers and punctuation marks,
  • avoid using the same password for other online accounts,
  • avoid using your name, date of birth and other personal information.
  • the password should be changed periodically.

How to safely log in to the InternetowyKantor.pl system?

  • Before logging in, check if you see the prefix “https” in the address of our website. Also, check if there is a closed padlock icon in the web browser window, which means that the website is secured with a security certificate and the connection is encrypted.
  • Protect your password. Do not use the same password that you use to log in to InternetowyKantor.pl on other websites. Never share your password with third parties. Remember that our consultants never ask for your password during a telephone conversation or in email correspondence.
  • Remember to regularly update your operating system (including mobile), web browser and anti-virus software. Up-to-date fixes are published on the websites of program producers and provide effective protection against threats on the web.

If something raises your suspicion, please contact our Customer Service immediately.

What does camera document verification involve when creating an account via a browser on a mobile device?

  • Camera-based document verification involves automatically reading the details from your identity document, eliminating the need to manually enter them on the site. You can carry out this verification when creating an account via a browser on mobile devices.
  • The process involves taking a photo of your identity document. In order to use InternetowyKantor.pl, you will need to provide the necessary information, such as your PESEL number and details from your identity document (e.g. ID card, passport or residence card number). If necessary, we may ask you to send us a copy of your document to confirm the data you have provided.

Why do I need a photo of my identity card?

  • In order to use InternetowyKantor.pl we ask you to complete the required data, including your PESEL number and data from your identity document (identity card, passport or residence card), so we may ask you to send us a copy of your identity document to confirm the indicated information.
  • We guarantee that our customers’ personal data is stored securely in accordance with the applicable procedures and legal requirements imposed by the General Inspector of Financial Information, The Inspector General for the Protection of Personal Data and The Polish Financial Supervision Authority. We do not use this data for any purpose other than the operational functioning of the service and meeting the requirements of regulators.

SMS authentication

What are the benefits of SMS authentication?

Double authentication allows you to increase the security of your data and transactions at InternetowyKantor.pl. SMS authentication minimises the risk of important data being changed by unauthorised persons, because each important action in the Customer Panel must be confirmed with a code sent to the telephone number you provided.

Why do I not receive text messages?

If you do not receive text messages, make sure that your phone is within network range. You can also try to turn it off and on or make a test call to any number to confirm that the phone has been registered by the network. Then repeat the action during which the problem with text messages occurred.

Usually the reason for problems with receiving text messages is the use of a foreign phone number or a foreign telephone network. InternetowyKantor.pl uses several SMS operators, therefore your number can be switched to be serviced by an alternative provider. To do this, please contact our Customer Service.

How can I change the phone number to which I receive authentication texts?

It is possible in the Customer Panel in the Settings > Security tab.

To change your phone number, you need access to both the old number and the new one. If you have lost access to your old number, please contact our Customer Service for instructions.

Mobile Authorization

What is Mobile Authorization?

Mobile Authorization enables you to confirm transfers and make changes to your Customer Profile via the InternetowyKantor.pl mobile application, eliminating the need for SMS codes.

When you make a transfer or make changes to your Customer Profile, you receive a push notification on your phone. You then confirm the operation in our app, using a PIN code or through biometrics such as your fingerprint.

How is the operation confirmed on the mobile app?

When you order a transfer or make changes to your Customer Profile, you will receive a push in the InternetowyKantor.pl app. After clicking on the notification or launching the application, you will be able to check the details of the operation and authorise it conveniently using a PIN or biometrics (fingerprint or faceID), without having to rewrite SMS codes.

After successful authorization, you will receive a confirmation of the operation. If you encounter problems with Mobile Authorization, check how to resolve common issues.

I have enabled Mobile Authorization, but I am not receiving confirmations. What should I do?

If, despite activating Mobile Authorization, you are not receiving notifications, check the following:

  • Make sure your authorization device has internet access.
  • Check that you have the latest version of the InternetowyKantor.pl app and update if necessary. The minimum version is 2.0.382.
  • Verify that the display of notifications has not been blocked in your phone settings. Sometimes they may be blocked in general or only for the InternetowyKantor.pl application. Verify that you see pending notifications when you log into the app.
  • Check that you are using the correct device. If you are using the app on more than one device, log in to the app, go to “Settings > Security tab”, and then go to “Operation authorization method”, to see which device is selected to authorise operations.

If, despite approaching the above points, the problem persists, please contact our Customer Service.

On how many devices can I run Mobile Authorization?

Activation of Mobile Authorization is only possible on one of your devices on which the InternetowyKantor.pl application is installed in version at least 2.0.382. If you have more than one device with the InternetowyKantor.pl application installed, when you change the authorization method, the system will ask you to select the device to authorise the operation.

I have enabled Mobile Authorization, but still want to go back to SMS codes.Is this possible?

In order to restore authorization via SMS codes, it is necessary to have access to the device on which you are authorising operations.

Go to tab “Settings” > “Security” and find the “Operation authorization method” section. Click on the “SMS code” option and save it as your preferred authorization method. Then confirm the changes you have made in the application.

How do I enable Mobile Authorization?

In order to activate Mobile Authorization, it is necessary to have the InternetowyKantor.pl mobile application installed in version at least 2.0.382 and a PIN set on your phone. If you have not yet used our app, download it from the relevant shop – Google Play for Android phones or AppStore for Apple iOS phones. After installing the app, log in with your username and password, set your PIN and allow the app to receive notifications.

In tab „Settings” > „Security” select „Mobile authorization” in section „Operation authorization method” and click “Save”. If you have the application on more than one device you will be asked to indicate the one to which you want to receive notifications of operations for approval.

Done! Now you should get notifications in the app regarding new operations that require your approval.

If you have a current InternetowyKantor.pl application in version min. 2.0.382, but the option “Mobile authorization” in the settings is blocked try the following steps:

  • ZLog in to the application with your login and password,
  • Set PIN (can be the same as before),
  • Once logged in, allow the app to receive notifications,
  • In tab „Settings” > „Security” check if the option “Mobile authorization” s already active and enable Mobile authorization.

If you have any problems, please contact our Customer Service.

Completed! A notification of a new operation will appear on your mobile device, which you need to approve.

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