Nest Bank Fiserv
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Nest Bank Partners With Fiserv To Boost Online Card Issuance

Nest Bank is continuing its digital development and enabling the introduction of new services to customers with the selection of the global provider of payments and financial services technology Fiserv as its new provider of payment card outsourcing services.

Fiserv will provide comprehensive management and service of the bank’s debit and credit card programmes, including traditional and online card issuing and fraud monitoring.

 Agnieszka Porębska-Kość, CCO, Nest Bank S.A.
Agnieszka Porębska-Kość, CCO, Nest Bank S.A.

With over twenty years of experience in the financial sector, and having formerly held the positions of Management Board Member for both Meritum Bank ICB and Bank DnB Nord SA, and Executive Director at Fortis Bank, Agnieszka Porębska-Kość currently oversees the implementation of product strategies across all business lines, sales management and marketing for Nest Bank. Here Agnieszka discusses Nest Bank’s latest partnership with Fiserv, and unpacks what an increasingly digital financial landscape will mean for their polish customer base.

Nest Bank focuses on servicing micro and small enterprises as well as retail clients by providing them with ultramodern solutions facilitating everyday business and use of finance. Our business activity is guided by the idea of a “bank for the people” being a sort of digital guardian angel of corporate and family finances. From the very beginning, at Nest Bank, we put great emphasis on innovative solutions – we were one of the first to open an account by means of a video call with a consultant. We are also a pioneer when it comes to the use of AIS services in online loans for companies.

We were looking for an innovative company that would handle our payment cards and help us introduce a virtual card. We decided to choose Fiserv as our partner in the field of debit card outsourcing because we share common values: innovation, professionalism, and services at the highest level. We are a bank that focuses on digital customer service channels and develops them intensively. That is why it was vital for us to partner with an innovative technology provider such as Fiserv. We also appreciate the company’s contribution to shaping a modern cashless payment market in Poland, with emphasis on the security of card users.

Poles like to have a choice and want to pay in various ways – using a smartphone, watch, or code. That is why banks in Poland are racing to innovate in mobile payments. Speed and convenience are the priority – these are what customers expect. As a result of this race, the Polish payment market is one of the most diverse and open to innovation. Both popular payments such as Google Pay or Apple Pay and niche watch payments (Garmin Pay, FitBit Pay) have been accepted in Poland. The market of payments and mobile services in Poland will surely continue to develop.

Following the trends and customer needs, we want to introduce a Nest Bank virtual card into the market. We would like to offer the possibility of resigning from a plastic card and using only the virtual one. We will introduce the virtual card in cooperation with Fiserv later this year. Customers will be able to use the virtual card almost immediately after opening an account. They will just need to add it to any mobile wallet. What’s more, they will be able to choose whether they need a traditional card or only the virtual one.


  • Tyler is a fintech journalist with specific interests in online banking and emerging AI technologies. He began his career writing with a plethora of national and international publications.

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