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SORBNET3

RTGS

Polish RTGS - launched September 8, 2025, replacing SORBNET2. ISO 20022 native messaging. Operated by NBP. Handles high-value and time-critical PLN interbank transfers.

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

ClearingPost does not assess whether SORBNET3 is running normally.

Next

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

No supported upcoming items in ClearingPost's records for SORBNET3.

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.

Changed

Material, sourced changes ClearingPost recorded; corrections to its own record are labelled as such

No substantive change recorded for SORBNET3 in ClearingPost's change records.

The full activity log for this system, including context notes, is on the Changes page.

Sources No status page recorded · 5 of 13 fields carry a source and a recorded date · latest sourced entry recorded 16 Apr 2026 · evidence details ↓

Record · SORBNET3

Country
Poland (PL)
Currency
Polish Zloty (PLN)
Operator
NBP
Type
RTGS
Operating Window
06:00–17:00 UTC · Mon–Fri
Year Established
2025
Tier?
Tier 2
ISO 20022?
Native
Region
Europe
Settlement Type?
Gross
Participants
~50 (NBP, 45 banks, system operators)
Avg Daily Transactions
~22,500 (2023, SORBNET2)
Avg Daily Value
PLN 543B/day (2023)
Notes

SORBNET3 launched September 8, 2025, replacing SORBNET2 (which operated from 2013). Uses ISO 20022 MX payment messages in XML standard. Polish Sejm passed PSD2 implementation law on January 23, 2026

NBP official website →
See all RTGS systems →See all systems in Poland →ISO 20022 migration status →Payment rails by country →
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Operations · SORBNET3

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 SORBNET3 (2)

Coverage whose headline or summary names SORBNET3, or names its operator or country together with its system type. Each item quotes that evidence and says whether the source is the SORBNET3 operator or external.

RegulationMar 24, 2026Headline names “SORBNET3”
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)
AnalysisMar 24, 2026Headline names “SORBNET3”
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.
Operator source · National Bank of Poland