“Can a Polish online accounting service become the embedded financial OS for sole traders by wrapping a BaaS bank account around its bookkeeping product?”
Founded 2008 as web-invoicing SaaS for Polish sole traders, inFakt evolved into a full accounting service pairing bookkeeping software with a dedicated accountant. Visma took majority control in 2020, giving it Nordic SaaS backing. The 2026 launch of embedded business banking with UniCredit — opening accounts, cards and payments inside the accounting app — marks its push to become the operating financial OS for Polish sole traders rather than just their accounting tool.
inFakt discloses UniCredit S.A. Oddział w Polsce as its banking provider, according to the Embedded Finance Index 2026.
inFakt does not disclose a bank charter of its own; its banking services are provided through UniCredit S.A. Oddział w Polsce.
inFakt's cards are issued through UniCredit S.A. Oddział w Polsce on the Mastercard network.
inFakt connects to bank accounts through Banqware.
The Embedded Finance Index 2026 maps 5 layers in inFakt's stack: Banking / BaaS (UniCredit S.A. Oddział w Polsce); Card issuing (UniCredit S.A. Oddział w Polsce); Card network (Mastercard); Open banking (Banqware); Sponsor bank (UniCredit S.A. Oddział w Polsce).
inFakt was founded by Wiktor Sarota and Sebastian Bobrowski and is founded in 2008, headquartered in Kraków, Poland.
Get a read on where your own stack stands against inFakt and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.