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What is BIK

The Credit Information Bureau (BIK) is an institution established by the Polish Bank Association in 1991with the purpose of gathering, integrating and sharing history regarding the repayment of liabilities of customers of banks and SKOKs (credit cooperative unions). The credit history generated in this manner is an instrument that may be used to verify the credit-worthiness of a bank’s customer. The Credit Information Bureau processes both positive information submitted by individual institutions, and this negative regarding credits paid with delays.

The legal basis of operations of this institution is defined by:

* - pola wymagane







* - pola wymagane











* - required fields







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