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.
Why choose mBank?
- First fully online bank in Poland — 25 years of experience with digital banking
- 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.
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 do usług ze smart pierścieniem płatniczym
mBank
- Monthly fee
- Free
eKonto możliwości
mBank
- Monthly fee
- Free
Business accounts
View all offers →Konto mBiznes Standard (z otwarciem firmy)
mBank
- Monthly fee
- Free
Konto firmowe mBiznes Standard
mBank
- Monthly fee
- Free
Konto dla spółki z gwarancją 0 zł na prowadzenie przez 2 lata
mBank
- Monthly fee
- Free
Savings accounts
View all offers →eKonto oszczędnościowe
mBank
Pros and cons
Pros
- One of the best banking apps in Europe — BLIK, currency exchange, motorway payments, NFC
- 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
- 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 the first fully online bank in Poland and Central Europe, known for its modern mobile app and active-user promotions.
- 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.
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.
Can I open an mBank account fully online?
Yes. You can open an account without visiting a branch — in 5 minutes via the mObywatel app, or with selfie verification and a verification transfer. The card is delivered by courier in 2–5 business days.
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.