mBank, founded in 1986, is the fourth-largest bank in Poland and the first in the country to launch full-featured internet banking. It offers a free eKonto, cash loans, mortgages and savings products to 5.7 million customers, with English-language app and web banking.
Why choose mBank?
- First fully online bank in Poland — 25 years of experience with digital banking
- Full English interface in mobile app and web banking — practical for Polish residents in Germany, UK and Ireland
- Operates in Czechia and Slovakia — documented cross-border experience
- mObywatel-based verification simplifies account opening for Polish citizens abroad
- Polish mortgages available to citizens earning in EUR, GBP, CHF and other EU currencies
- Free eKonto M with no minimum-deposit requirement for customers under 26
- Mobile app repeatedly named a top European banking app by Forrester and Deloitte
- Pre-approved cash loans for existing customers — decisions in 30 seconds
- Advanced savings account Moje Cele with separate "piggy banks" for different goals
Editorial rating
- Offers 4.5
- Service 4.5
- Online banking 4.9
- Costs 4.5
About the bank mBank
mBank was founded in 1986 as Bank Rozwoju Eksportu (BRE Bank) and launched the first fully online retail bank in Poland in 2000, under the mBank brand. In 2013 the whole group adopted the mBank name. Thanks to mBank, Polish customers first massively embraced online banking — no branches, no paperwork, with a free account and instant transfers.
Today mBank serves over 5.7 million customers in Poland, Czechia and Slovakia. The bank offers eKonto personal accounts, cash loans from 9.9% APR, mortgages with temporarily fixed rates, savings accounts, deposits and full business banking. The mBank mobile app is regularly recognised in international rankings as one of the best in Europe. mBank is a member of BFG and is supervised by KNF.
mBank's brand recognition extends well beyond Poland — the bank operates retail subsidiaries in Czechia and Slovakia, and its English-language mobile app and web banking are widely used by Polish residents in the eurozone and the United Kingdom. For Polish citizens working abroad, mBank offers a familiar interface, BLIK support, low-friction onboarding via mObywatel for those with a Polish digital identity, and a documented track record of EUR and GBP transfer corridors. EU residence documents are accepted in the verification flow alongside Polish ID.
For Polish citizens earning income in EUR, GBP, CHF or other EU-zone currencies, mBank accepts foreign-currency income in mortgage creditworthiness calculations — making Polish-property mortgage origination feasible while working in Germany, the UK, Ireland, the Netherlands or other EU countries. Documented employment contracts, foreign tax returns and 12–24 months of bank statements are typically required. SEPA Credit Transfer to and from German, French, Dutch and Irish banks is processed same-day; SEPA Instant is available on supported corridors.
Compared with fintech alternatives like Revolut or Wise, mBank serves a different role: a full Polish banking relationship with BIK credit history that other Polish banks recognise, Polish-denominated mortgages on Polish property, integration with Urząd Skarbowy and ZUS for tax and social-security remittance from abroad, and access to KNF-regulated lending at scale. Cross-border Polish residents commonly hold both — mBank for Polish-domestic finance, a fintech account for daily multi-currency spending in the eurozone.
Active offers
We show the currently active offers and always link to the latest version.
Personal accounts
View all offers →eKonto do usług
mBank
- Monthly fee
- Free
mKonto Intensive
mBank
- Monthly fee
- 0 – 49 PLN
eKonto możliwości od 13 do 17 lat
mBank
- Monthly fee
- Free
eKonto możliwości
mBank
- Monthly fee
- Free
Business accounts
View all offers →Konto dla spółki z gwarancją 0 zł na prowadzenie przez 2 lata
mBank
- Monthly fee
- Free
Konto firmowe mBiznes Standard (z otwarciem firmy)
mBank
- Monthly fee
- Free
Konto mBiznes Standard
mBank
- Monthly fee
- Free
Savings accounts
View all offers →eKonto oszczędnościowe
mBank
eKonto oszczędnościowe
mBank
Pros and cons
Pros
- One of the best banking apps in Europe — full English interface, BLIK, FX, motorway payments, NFC
- Cross-border experience — Czech and Slovak retail operations
- Fast online credit decisions — for existing customers as fast as 30 seconds
- No account fees when simple conditions are met
- Strong offer for young customers (eKonto M) and startups (mBank Biznes)
Cons
- Fewer physical branches than universal banks such as PKO BP or Pekao
- PLN-to-EUR FX spread wider than dedicated fintech FX providers
- Contacting the call centre at peak hours may require patience
- Mortgage pricing can be slightly higher than at segment leaders
How to apply — mBank
mBank was Poland's first fully online bank, with operations in Czechia and Slovakia. English app used widely by Poles in Germany and the UK.
- 1
Compare mBank offers
Check mBank products on kreddo.pl — loans, accounts, deposits and mortgages with current parameters.
- 2
Click the CTA
The "Go to offer" button redirects you straight to mBank. kreddo.pl does not intermediate loan agreements.
- 3
Fill in the application at mBank
Use the mobile app, mObywatel or the online form. You will need your ID and income information.
- 4
Receive a decision
Existing mBank customers with a pre-approved offer get a decision in 30 seconds. New customers typically receive a decision within hours.
Frequently Asked Questions
Is mBank safe?
Yes. mBank is supervised by KNF and is a member of the Bank Guarantee Fund (BFG), which insures deposits up to EUR 100,000 per customer. The bank is listed on the Warsaw Stock Exchange and publishes regulated financial results.
Can I open an mBank account from abroad?
Yes. mBank accepts remote account opening via mObywatel for Polish citizens with a digital identity, and via selfie verification + verification transfer for others. The mobile app and web banking provide a full English interface, making it practical for Polish residents in Germany, the UK, Ireland and other EU countries. EU residence documents are accepted alongside Polish ID. International card delivery is available on request.
Is the mBank mobile app available in English?
Yes. mBank's mobile app and web banking offer a full English interface alongside Polish, German and Czech. All major features — transfers, BLIK, currency exchange, card management, motorway and parking payments — are available in English. Customer service handles English inquiries by phone and chat during Polish business hours.
Does mBank support SEPA transfers to Germany and the UK?
Yes. mBank participates in SEPA Credit Transfer for euro-denominated transfers within the eurozone (Germany, France, Netherlands, etc.) and the wider EEA. SEPA Instant is available on selected corridors. Outgoing transfers from a PLN account incur FX to EUR at mBank's daily spread — competitive against Polish banks though wider than dedicated FX fintechs.
mBank vs Revolut for cross-border banking?
They serve different roles. Use Revolut (or Wise, N26) for daily multi-currency spending and frequent EUR/PLN switching at tight spreads. Use mBank for a Polish banking relationship: BIK credit history, Polish mortgages, ZUS and Urząd Skarbowy integration, and KNF-regulated lending. Many Polish residents abroad hold both.
Can I get a Polish mortgage from mBank while living in Germany or the UK?
Yes. mBank accepts foreign-currency income (EUR, GBP, CHF) in mortgage creditworthiness calculations. Polish citizens earning in Germany, the UK, Ireland or the Netherlands commonly use mBank for property purchases in Poland, with documented employment contracts, foreign tax returns and 12–24 months of bank statements. Loan-to-value, Recommendation S and DTI thresholds apply.
How much does eKonto at mBank cost?
eKonto Możliwości is free when you make at least one card transaction per month. eKonto M for customers under 26 is completely free with no conditions. Withdrawals from mBank and Euronet ATMs are also free.
How do I get a cash loan at mBank?
If you are an mBank customer, you can get a cash loan online in the app or web banking — many customers have a pre-approved offer with a 30-second decision. New customers submit the application online and typically receive a decision within hours.
What is the maximum cash loan amount at mBank?
mBank offers cash loans up to PLN 200,000 for customers with sufficient creditworthiness. The repayment period can reach 120 months. The exact amount depends on your income, BIK history and internal scoring.
Does mBank offer mortgages with fixed rates?
Yes. mBank offers mortgages with temporarily fixed interest rates (usually for 5 years), protecting you from WIBOR volatility. After the fixed period the loan switches to a variable rate or can be fixed again.
What are mBank deposit rates?
mBank offers standard deposits and periodic promotions for new money. Current deposit rates are available in our deposit ranking — data is refreshed from bank APIs and reflects the real offer.
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.