◆ClearingPost

Elixir

ACH

Poland's domestic automated clearing house for PLN payments. Multiple intraday clearing sessions. Operated by KIR alongside Express Elixir (instant) and SORBNET3 (RTGS).

NowHours: computing from the published schedule…Service condition: not monitored details

ClearingPost does not assess whether Elixir is running normally.

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Dated items ClearingPost holds, each with its source and whether the date is confirmed

No supported upcoming items in ClearingPost's records for Elixir.

ClearingPost holds sourced upcoming items for 10 of 150 systems; an empty list is a statement about ClearingPost's records, not about a system's plans.

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Sources No status page recorded · 10 of 14 fields carry a source and a recorded date · latest sourced entry recorded 8 Sep 2026 · evidence details ↓

Record · Elixir

Country
Poland (PL)
Currency
Polish Zloty (PLN)
Operator
KIR (Krajowa Izba Rozliczeniowa)
Type
ACH
Operating Window
08:00–16:00 UTC · Mon–Fri
Year Established
1994
Tier?
Tier 2
ISO 20022?
Legacy
Region
Europe
Settlement Type?
Net
Participants
39 direct participants
Avg Daily Transactions
~8.3M (Jul 2026, KIR)
Avg Daily Value
~PLN 35B (early 2026)
Availability
Business days
Notes

August 2026 extended the split between Poland's batch and instant rails. Batch Elixir grew only modestly year on year, while value growth on KIR's instant rail again ran well ahead of its transaction growth, pointing to larger average instant transfers. Euro Elixir showed the same pattern in euro clearing, with value rising sharply on near-flat volume. KIR's busiest batch day of the month was 10 August. Daily averages shown here are ClearingPost derivations from KIR's monthly totals over the 21 Polish business days in August 2026; the 15 August public holiday fell on a Saturday and did not reduce the working-day count. KIR publishes monthly totals and peak days, not daily averages.

KIR (Krajowa Izba Rozliczeniowa) official website →
See all ACH systems →See all systems in Poland →ISO 20022 migration status →Payment rails by country →
Other systems in the same country or region
T2 / TARGETRTGS
Eurozone · EUR · ECB / Eurosystem
SEPA SCTACH
Eurozone · EUR · EPC / CSMs
SEPA SDDACH
Eurozone · EUR · EPC / CSMs
SEPA InstFPS
Eurozone · EUR · EPC / RT1 / TIPS
EURO1Hybrid
Eurozone · EUR · EBA Clearing
CHAPSRTGS
United Kingdom · GBP · Bank of England

Operations · Elixir

Operational monitoring: not configured. ClearingPost does not monitor operational sources for this system and does not assess its current service condition.

Operations lists the systems ClearingPost monitors and the operational events it has recorded.

Intelligence for Elixir (8)

Coverage whose headline or summary names Elixir, or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the Elixir operator or external.

NewsSep 7, 2026Headline names “Elixir”
KIR Settles 174.21 Million Elixir Transactions in August, Up 2 Percent Year on Year
Value cleared through Poland's Elixir batch system rose 4 percent year on year to PLN 798.85 billion in August 2026.
Operator source · KIR (Krajowa Izba Rozliczeniowa)
NewsJun 9, 2026Headline names “Elixir”
KIR Reports Express Elixir Hit New Monthly Record in May as Polish Batch Volumes Continue to Slide
Express Elixir first crossed 60 million monthly transactions in March 2026 at 60.02 million before dropping to 57.49 million in April. May's 60.83 million is the second month above 60 million in 2026.
Operator source · KIR
AnalysisMay 25, 2026Headline names “Elixir”
KIR 2025: Express Elixir Sustains 21 Percent Growth While Batch Volumes Plateau
Express Elixir's 21 percent growth in 2025 outpaced batch Elixir's 5 percent value gain, a divergence that mirrors STEP2 and Bankgirot volume declines across European batch clearing systems.
Operator source · KIR
AnalysisMay 14, 2026Summary names “Elixir”
KIR April 2026 Data Shows Poland's Batch Payments Holding Steady as Instant Grows
KIR's April 2026 statistics show batch Elixir volumes declining just 1% year-on-year while Express Elixir instant payments grow 10%, a contrast with the 5.5% decline in SEPA-wide STEP2 credit transfer volumes driven by instant payment migration.
Operator source · KIR (Krajowa Izba Rozliczeniowa)
AnalysisApr 22, 2026Summary names “Elixir”
STEP2 Batch SCT Volumes Fall 5.6% Year-on-Year as Instant Payments Gain Share Across Europe
Q1 2026 data from STEP2, STET, and KIR shows batch SCT volumes declining across European clearing as instant payment rails absorb traffic. STEP2 SCT fell 5.6% year-on-year in March. France reports instant transfers at 20% of SCT volume. Poland's Express Elixir grew 13% in Q1 2026.
External source · EBA Clearing
AnalysisApr 17, 2026Summary names “Elixir”
European Batch Credit Transfers Contract as Instant Alternatives Accelerate
Instant payment alternatives continued absorbing batch credit transfer volume. Poland's Express Elixir processed 60 million transactions in March 2026, the first month exceeding that threshold.
External source · Bankgirot
NewsApr 13, 2026Headline names “Elixir”
Poland's Express Elixir Crosses 60 Million Monthly Transactions for First Time
Poland's Express Elixir instant payment system set a monthly record of 60.02 million transactions in March 2026, surpassing the previous high of 58.3 million set in December 2025. Instant payment volumes now equal 29% of batch Elixir's quarterly throughput as Poland prepares for EU Instant Payments Regulation compliance deadlines in 2027.
Operator source · KIR (Krajowa Izba Rozliczeniowa)
RegulationMar 24, 2026Headline names “Elixir”
Poland Opens SORBNET3 and Elixir to Non-Bank Payment Institutions Under PSD2 Transposition
New legislation signed into law on 9 March 2026 transposes EU Payment Services Directive requirements into Poland's national framework, establishing for the first time a regulated pathway for licensed payment institutions and electronic money institutions to participate directly in the country's core clearing and settlement infrastructure rather than routing payments through banking intermediaries.
External source · Dudkowiak & Putyra (Law Firm)

Wider coverage that mentions Elixir (2)

These articles mention Elixir in their text but not in their headline or summary, so they are listed as context rather than as Elixir intelligence.

AnalysisMay 7, 2026Text mentions “Elixir”
Post-IPR Data: STEP2 Batch Credit Transfers Decline 5% While Direct Debits Grow 7%
STEP2 SCT processed 25.4 million transactions daily in Q1 2026, a 5% decline from Q1 2025. SDD Core grew 7% to 45.0 million daily from 42.2 million. The Instant Payments Regulation's pricing parity mandate is accelerating the shift from batch to instant credit transfer rails across European markets.
External source · EBA Clearing
AnalysisMar 24, 2026Text mentions “Elixir”
SORBNET3: Poland's ISO 20022 Native RTGS System and Its Opening to Non-Bank Participants
Poland's new RTGS system, launched in September 2025 as one of the few greenfield central bank settlement platforms built in Europe in recent years, combines native ISO 20022 messaging with an imminent regulatory change that will grant non-bank payment institutions direct access for the first time. The system positions Poland's payment infrastructure among the most modern in the European Union.
External source · National Bank of Poland