Overview
Cardina offers the non-bank Active Mastercard credit card, with applications submitted online. It supports contactless payments, flexible repayment, and access to funds in the account before the physical card arrives.
- Monday–Friday
- 8:00–18:00
Financials
Revenue history (in m)
Filing timeliness
1 of 6 financial statements was filed late (for 2024, 6 days late). All were audited by a statutory auditor.
- 202508/07/2026
- 202421/07/2025
- 202309/07/2024
- 202214/07/2023
- 202112/07/2022
- 202028/07/2021
Data and insights are generated automatically from financial statements – they may contain errors and are neither a credit assessment nor business advice.
Statistics
How the company ranks by revenue within its industry, region and across Poland in 2025.
Results vs industry
Industry
Offer
- Credit card
- Credit limit
- Contactless payments
Website technology
- Analytics and marketing
- Google Analytics
Trademarks
Cardina holds 1 active trademark registered with the Polish Patent Office. The first mark was filed in 2018.
| Mark | Protected until | |
|---|---|---|
| cardina | Jul 5, 2028 |
Authorized Representatives
Manner of representation
Each member of the management board of the company is authorized to represent the company individually.
Supervisory board
Ownership
| Owner | Shares | Share value | Stake |
|---|---|---|---|
Sergii Budkin | 5,999 | $81,023.77 | 17.9988% |
Thomas Neckmar | 24,001 | $324,162.61 | 72.0102% |
Others | 3,330 | $44,975.69 | 9.991% |
Beneficial owners
| Person | Rights |
|---|---|
Bank accounts
Registered as a VAT taxpayer on 2018-09-11.
05 1090 1056 0000 0001 3635 7511- 16 1090 2835 0000 0001 6570 3102
- 28 1090 2835 0000 0001 6570 3080
Debt
No entries in the National Debtors Register (KRZ).
Public aid
| Grant date | Purpose | Gross amount | Granting body | |
|---|---|---|---|---|
| Jun 20, 2020 | Aid compensating for the negative economic consequences of COVID-19, granted in limited amounts | $9,056$9,056 | Prezes Zakładu Ubezpieczeń Społecznych | |
| May 30, 2020 | Aid compensating for the negative economic consequences of COVID-19, granted in limited amounts | $9,163$9,163 | Prezes Zakładu Ubezpieczeń Społecznych | |
| May 30, 2020 | Aid compensating for the negative economic consequences of COVID-19, granted in limited amounts | $8,845$8,845 | Prezes Zakładu Ubezpieczeń Społecznych |
Regulatory authorisations
| Authority | Type | Status | |
|---|---|---|---|
 KNF | Domestic payment institution | Active | |
| KNF | Lending institution | Inactive |
Competitors
| Name | Revenue | Website | ||
|---|---|---|---|---|
| Plus BankS.A. | $25,354,046.60 | plusbank.pl | ||
| Wonga.Plsp. z o.o. | $25,153,657.11 | wonga.pl | ||
| Mobilum Paysp. z o.o. | $21,368,215.01 | pay.mobilum.com | ||
| Arena Financesp. z o.o. | $13,864,905.78 | arenafinance.eu | ||
| UnicreditBranch (foreign co.) | $11,593,798.52 | unicredit.pl | ||
| Icreditsp. z o.o. | $9,561,104.12 | icredit.pl | ||
| CashbillS.A. | $7,871,346.69 | cashbill.pl | ||
| LM PayS.A. | $7,041,862.81 | mediraty.pl | ||
| Loando Directsp. z o.o. | $5,563,824.43 | direct.loando.pl | ||
| PaytreeS.A. | $5,182,593.21 | paytree.pl |
Change history
| Date | Event | |
|---|---|---|
| 2021-09-22 | Address change (Ul. Wołoska 5, 02-675, Warszawa → Ul. Postępu 18a, 02-676, Warszawa) | |
| 2021-09-22 | Share capital increase (1,500,000.00 PLN → 1,666,500.00 PLN) | |
| 2019-02-13 | Share capital increase (860,000.00 PLN → 1,500,000.00 PLN) | |
| 2018-10-04 | Address change (Ul. Wałbrzyska 11/253a, 02-739, Warszawa → Ul. Wołoska 5, 02-675, Warszawa) | |
| 2018-10-04 | Share capital increase (648,000.00 PLN → 860,000.00 PLN) |
FAQ
Last updated: 2026-07-15