You can get a currency loan if you: you have had an account with Conotoxia for at least 6 months; are 20 to 70 years old; are a Polish citizen with a place of residence in the Republic of Poland; must also have a Polish ID number (PESEL) and a valid Polish ID card; have full legal capacity, and you are a consumer within the meaning of the Polish law; have a bank account in Poland, maintained in the currency applied for, in order not to expose yourself to currency conversion costs; will receive a positive credit rating; are able to repay the liabilities incurred as a result of taking out a loan; you have no arrears to us.