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Elixir system

Electronic interbank clearing system that handles transfers in PLN

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Clearing system

Apart from execution of credit payments, such as transfer orders, tax payments or social insurance contributions, it allows to effect debit payment orders, i.e. direct debits. Transactions directed to the system are settled within one of three Elixir sessions held each business day and closed on the same day in SORBNET2 system of the National Bank of Poland, which guarantees interbank transfer of funds. Except for exchange of clearing messages the system created by KIR allows the electronic transfer of information between its participants.

Background

Each business day three clearing sessions are held in the Elixir system: (1) morning, (2) afternoon and (3) evening, closed with a settlement in the SORBNET2 system.

Stage Session no 1 Session no 2 Session no 3
Entry opening 4:00 p.m.
(D-1)		 9:30 a.m.
(D)		 1:30 p.m.
(D)
Entry closing 9:30 a.m. 1:30 p.m. 4:00 p.m.
Processing, clearing 9:30 – 10:30 a.m. 1:30 – 2:30 p.m. 4:00 – 5:00 p.m.
Settlement 10:30 – 11:00 a.m. 2:30 – 3:00 p.m. 5:00 – 5:30 p.m.
Exit from 11:00 a.m. from 3:00 p.m. from 5:30 p.m.
Reports after 11:00 a.m. after 3:00 p.m. after 5:30 p.m.

Owing to the Elixir system the bank may securely exchange payment messages and clearing information in electronic form.

Apart from standard messages to effect payment order/cash payment the Elixir system also includes messages adjusted to clearing of social insurance contributions and taxes payable to revenue and customs offices. Additionally, the system also provides a set of messages to effect direct debit in the basic and B2B scheme. The Elixir system allows its participants to exchange information under the clearings effected as well as non-clearing information used for control or advertising purposes.

Messages which ensure secure payments and information exchange in the Elixir system include:

  • Clearing messages
    - messages for completion of transfer orders
    - messages for handling social insurance contribution payments
    - messages for tax payments
    - messages for completion of direct debits
    - messages for handling cash payments
    - messages for cashing cheques
  • Information messages
    - messages including credit information or complaint
    - messages including control and steering information
    - messages including any other content

The principles of preparation and exchange of messages within the Elixir system are specified in the Rules and Regulations of the Elixir System and in the Agreement on the System Participation including provisions defined in technical specification, particularly in the "Technical Specifications no 2 – The rules of creation and structure (formats) of messages exchanged in electronic clearing systems of KIR.

List of direct participants in Elixir (16/11/2022)

No Clearing no Bank name
1. 10100000 Narodowy Bank Polski
2. 10200003 Powszechna Kasa Oszczędności Bank Polski S.A.
3. 10300006 Bank Handlowy w Warszawie S.A.
4. 10500002 ING Bank Śląski S.A.
5. 10600005 Bank BPH S.A.
6. 10900004 Santander Bank Polska S.A.
7. 11300007 Bank Gospodarstwa Krajowego
8. 11400000 mBank S.A.
9. 11600006 Bank Millennium S.A.
10. 12400001 Bank Polska Kasa Opieki S.A.
11. 12800003 HSBC France (Spółka Akcyjna) Oddział w Polsce
12. 13200006 Bank Pocztowy S.A.
13. 15400004 Bank Ochrony Środowiska S.A. w Warszawie
14. 15600000 VeloBank S.A.
15. 15800006 Mercedes-Benz Bank Polska S.A.
16. 16000003 BNP Paribas Bank Polska S.A.
17. 16100006 SGB-Bank S.A.
18. 16800007 Plus Bank S.A.
19. 18400007 Societe Generale w Warszawie
20. 18700006 Nest Bank S.A.
21. 18800009 Deutsche Bank Polska S.A.
22. 18900002 Pekao Bank Hipoteczny S.A.
23. 19300005 Bank Polskiej Spółdzielczości S.A.
24. 19400008 Credit Agricole Bank Polska S.A.
25. 21300004 Volkswagen Bank GmbH Sp. z o.o. Oddział w Polsce
26. 21400007 FCA BANK S.p.A Spółka Akcyjna Oddział w Polsce
27. 21500000 mBank Hipoteczny S.A.
28. 21600003 Toyota Bank Polska S.A.
29. 23500002 BNP Paribas S.A. Oddział w Polsce
30. 23600005 Danske Bank A/S S.A. Oddział w Polsce
31. 23700008 Skandinaviska Enskilda Banken AB (S.A.) Oddział w Polsce
32. 24900005 Alior Bank S.A.
33. 28700003 Bank Nowy S.A.
34. 29100006 AION Bank S.A. Spółka Akcyjna Oddział w Polsce
35. 79999995 Krajowa Spółdzielcza Kasa Oszczędnościowo-Kredytowa
36. 85890006 Bank Spółdzielczy Rzemiosła w Krakowie
37. 85910007 Krakowski Bank Spółdzielczy
38. 90680003 Wielkopolski Bank Spółdzielczy
39. 94840007 Bank Spółdzielczy w Brodnicy

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