Frequently asked questions

You can get a currency loan if you:

• you have had an account with Conotoxia for at least 2 months;
• are 20 to 70 years old;
• are a Polish citizen with a place of residence in the Republic of Poland;
• must also have a Polish ID number (PESEL) and a valid Polish ID card;
• have full legal capacity, and you are a consumer within the meaning of the Polish law;
• have a bank account in Poland, maintained in the currency applied for, in order not to expose yourself to currency conversion costs;
• will receive a positive credit rating;
• are able to repay the liabilities incurred as a result of taking out a loan;
• you are not in arrears with us.

Yes, you can get funds from us if you are not in arrears and are not registered on the debtors` register.

Having an account at the financial portal Conotoxia.com is free of charge.

No. You can only have one active loan, regardless of the currency in which it was granted.

All you need to do is fill in a simple application form on our website.

You will receive an acceptance or rejection notification about the currency loan by email or text message. The information will also be available as a message in your user panel.

The decision to grant a multi-currency loan is based on a range of factors. We may refuse your application if you do not meet the conditions for granting a loan, in particular, if you:

• are less than 20 years old or more than 70 years old;
• are entered in one of the debtor registers;
• do not have a source of income to repay the loan;
• have not repaid your previous loan;
• are not a citizen of the Republic of Poland.

The decision-making process usually takes place within a few minutes. Sometimes, due to high safety standards, it may take a little longer. If we have any further questions, we will contact you before making a decision.

Processing time depends on the withdrawal method you choose.

In the case of a withdrawal to a multi-currency card, you will receive the funds within minutes of your loan application being approved.

In the case of a withdrawal to a bank account, you can receive the funds in even 15 minutes after getting a positive credit assessment.

Please be aware that the transfer processing time also depends on other factors, such as whether you submitted your loan application during our business hours or whether the bank where you have your account is not having a technical break.

If you have not received your money within 3 working days after getting a positive creditworthiness assessment, please contact us.

You do not have to sign anything. The contract is concluded remotely, electronically. You accept its content when you apply for a loan. If your application is approved, we will withdraw the funds and send you the contract together with information about its conclusion via email.

You will receive funds following the payment method selected during the application - to your bank account or a Conotoxia multi-currency card. If you already have our card (physical or virtual), we will pay the funds to it. Otherwise, just apply for a loan, and we will automatically create a virtual card for you.

No. It is not necessary. Simply apply for a loan, and you will receive a new, free multi-currency card to which the loan will be paid out. If you already have Conotoxia multi-currency card, the funds will be paid to it.

A card without a physical form available on your phone, computer or watch. It has its own number and CVV code, just like a physical card. You can use it to pay online, make contactless payments in brick and mortar stores and withdraw cash from ATMs with Google Pay, Garmin Pay and Fitbit Pay. The card is available as soon as you order it, and it takes seconds to top it up - just transfer funds from your currency wallet.

Yes. You can withdraw money from ATMs with Google Pay, Garmin Pay and Fitbit Pay.