5:28 20 February 2026
Inbank scales Polish expansion
Estonian lender Inbank is accelerating growth in Poland through a new partnership with Otomoto, the country’s largest automotive platform. After talks that began in summer 2025 and a contract signed in December, full API integration enabled fully digital financing for car purchases in early February. The bank expects to provide several hundred million złoty in financing this year, targeting individuals and sole proprietors.
Operating under a B2B2C embedded-finance model, Inbank connects merchants, financial institutions and consumers without requiring bank accounts. Beyond large platforms, it is building an SME financing platform for businesses such as bike shops, dental clinics and photovoltaic installers. The group also offers unsecured online loans and is piloting buy-now-pay-later services, with a broader launch planned for Q2 2026 pending regulatory clarity.
Inbank aims to operate in at least 10 EU countries by 2035, targeting 5 million customers and 50,000 partners, with Poland expected to remain a key growth engine.
