FAQ

AFORTI.BIZ is a financial platform for businesses that helps entrepreneurs manage currency settlements and access selected financing solutions.

The platform offers currency exchange, Term, factoring, leasing, a business loan for any purpose and the AFORTI.BIZ Loyalty Program.

AFORTI.BIZ is available to entrepreneurs and companies registered in Poland, including sole proprietorships, microbusinesses, small and medium-sized enterprises, and larger companies.

The platform is designed for businesses that make payments in foreign currencies, handle international settlements or need additional business financing.

Yes. AFORTI.BIZ is available to both small businesses and sole proprietorships, as well as larger companies.

The platform offers solutions that can support currency exchange, invoice financing, vehicle and equipment leasing, and access to capital for day-to-day business needs.

At present, AFORTI.BIZ services are available to entrepreneurs and companies registered in Poland.

No. AFORTI.BIZ is available exclusively to entrepreneurs and companies carrying out business activities.

Registration on AFORTI.BIZ is free and completed online. Simply fill in the registration form, activate your account using the link sent to your email address and confirm your phone number with an SMS code.

The next step is to add your bank accounts in PLN and foreign currencies, then complete the company verification process.

No. Using AFORTI.BIZ does not require a traditional paper contract.

To start using the platform, simply create an account and accept the Terms and Conditions.

During the company verification process, we require documents confirming the identity of individuals authorised to represent the business. These include an ID card and an additional form of identification, such as a passport or driving licence.

If an employee is to be authorised to carry out currency exchange transactions, a written authorisation signed by a person authorised to represent the company will also be required. Depending on the legal form or ownership structure of the business, we may ask for additional documents.

Yes. Registration and account maintenance on AFORTI.BIZ are free of charge.

On the sign-in page, you can recover your username or reset your password.

If the issue continues, please contact our team on +48 22 647 50 30.

After signing in, select the currency pair, lock in the current exchange rate and choose the settlement date.

You then transfer the funds to the designated bank account. Once the funds are received, the exchanged amount is transferred to your selected bank account in the relevant currency. Learn more about currency exchange for businesses.

Yes. Currency exchange on AFORTI.BIZ is completed online through the platform.

We do not offer in-person or cash currency exchange.

Yes. AFORTI.BIZ uses solutions and procedures designed to support transaction security and protect user data.

For your own security, always use the official AFORTI.BIZ website, never share your password or SMS codes, and report any suspicious activity to our team.

AFORTI.BIZ supports popular currencies such as EUR, USD, GBP and CHF, as well as NOK, SEK, CZK, RON, DKK, JPY, CNY and PLN.

The availability of individual currency pairs may depend on the type of transaction.

The minimum exchange amount depends on the selected currency pair.

For the main currency pairs –  EUR/PLN, USD/PLN, GBP/PLN, CHF/PLN and EUR/USD – the minimum transaction amount is 2,000 units of the base currency. Minimum limits for other currency pairs may vary.

For exact information, please contact us on +48 22 647 50 30.

For regular or higher-value transactions, individual terms may be agreed with your account manager.

Contact us before completing a transaction to check the terms available for your business.

A currency spread is the difference between the buying and selling rate of a currency.

When comparing currency exchange offers, it is worth looking not only at the exchange rate itself, but also at the spread, fees and settlement terms.

No. AFORTI.BIZ does not charge fees for transfers related to completing currency exchange transactions.

Yes. Once a transaction has been completed, clients receive receipts documenting the currency exchange.

Three settlement options are available: same-day settlement (D+0), next-business-day settlement (D+1) or settlement after two business days (D+2).

Choosing D+1 or D+2 allows you to lock in an exchange rate for a later settlement date.

Currency exchange transactions can be entered into 24/7, including weekends and public holidays.

Transactions entered on non-business days are settled on the next business day.

Yes. On AFORTI.BIZ, you can set a rate alert for a selected currency.

When the exchange rate reaches your chosen level, you will receive a notification to help you decide whether to exchange currency.

Yes. The Term service allows businesses to lock in an exchange rate for a future settlement date in commercial transactions, up to 12 months in advance.

It is a solution for companies that want to plan costs, revenues and margins more effectively when making payments for goods or services in foreign currencies.

Factoring helps companies access funds from issued invoices with deferred payment terms more quickly.

It can improve cash flow, reduce the impact of delayed payments from customers and support day-to-day business needs.

To use factoring, submit an enquiry through the AFORTI.BIZ platform. In the form, you provide your monthly invoice volume, number of customers and average payment term.

Your contact details are automatically pulled from your AFORTI.BIZ account, so you do not need to enter them again. We then pass your enquiry on to our partner, who assesses your company’s needs and prepares a financing offer.

Once the offer is ready, you will receive a proposal tailored to your business.

To use leasing, submit an enquiry through the AFORTI.BIZ platform. In the form, you indicate whether you have already selected the asset to be financed, then provide the type of asset, year of manufacture, net value, initial lease payment and preferred leasing period.

Your contact details are automatically pulled from your AFORTI.BIZ account, so you do not need to enter them again. We then pass your enquiry on to our leasing partner, who assesses your company’s needs and prepares a financing offer.

Once the offer is ready, you will receive a proposal tailored to the selected asset and your business needs.

Yes. A business loan for any purpose is available to companies that need additional capital for growth, inventory, investments, improved cash flow or day-to-day business needs.

You can submit an online financing application once you have registered on the AFORTI.BIZ platform.

The funds can be used for any purpose related to your business activity.

A business loan can help finance growth, investments, inventory purchases, day-to-day operating costs or improved cash flow.

A business loan through AFORTI.BIZ can be up to PLN 1,000,000, with a repayment period of up to 24 months.

You may receive a decision within as little as 24 hours. The application process is completed online, while final financing terms are determined individually.

Yes. The AFORTI.BIZ Loyalty Program allows clients to collect points for currency exchange transactions and redeem them for prizes available in the catalogue after signing in to the platform.

For every currency exchange worth EUR 1,000, you receive 1 point. To use the Program, simply register on the platform and join it.

The Welcome Bonus is available to new clients who join the AFORTI.BIZ Loyalty Program.

After joining the Program and completing an activation transaction worth at least PLN 10,000, you receive 1.5× more points for every currency exchange transaction for the first six months. The bonus is applied automatically.