mBank – Your Gateway to Modern Banking
mBank (mBank S.A.) is Poland’s pioneering online bank, founded in 1986 as BRE Bank to support export development. Today, it ranks as the fourth-largest bank in Poland by assets (209.89 billion PLN in 2022) and serves over 5.7 million retail clients. Owned by Germany’s Commerzbank (69.3%), mBank combines digital innovation with reliability, offering products like eKonto, mSaver, and a top-rated mobile app. Its focus on technology and customer-centric services makes it a favorite for Poles and expatriates alike.
Why Choose mBank Poland?
mBank delivers comprehensive banking services for individuals, businesses, and corporations. Clients can open credit cards with limits up to 50,000 PLN and a 55-day grace period, apply for personal loans starting at 6.9% APR, or invest in savings accounts with promotional rates up to 3.75% (valid until 30.11.2025 for eKonto users). The bank offers competitive currency exchange rates for PLN, USD, EUR, UAH, and more, making it ideal for Ukrainians and international clients in Poland.
- Free eKonto maintenance with active transactions.
- 24/7 access via the mBank mobile app and online banking.
- BLIK support for instant, fee-free payments.
Digital Banking with mBank’s Mobile App
The mBank mobile app is a cornerstone of its digital-first approach, recognized as Poland’s best banking app by Newsweek in 2024. It supports English, Polish, and Ukrainian, catering to diverse users. Features include:
- Fee-free BLIK payments and SMS transfers.
- Access to mOkazje, a marketplace for cashback deals.
- Budget management tools and video consultations with experts.
In 2025, mBank introduced AI-driven fraud detection in its app, enhancing security for online transactions and reinforcing its leadership in online banking.
Credit Products and Credit Cards
mBank offers flexible credit cards (Visa or Mastercard) with cashback up to 760 PLN annually and quick online approval. Personal loans range from 1,000 to 150,000 PLN (RRSO from 9.99%), while mortgages are available with terms up to 35 years. For businesses, the mBiznes account provides free maintenance and tax transfers, with financing solutions like leasing and factoring. Promotional offers, such as no-fee eKonto Intensive for six months, attract new clients until 27.05.2025.
Currency Exchange and International Transfers
mBank ensures transparent currency exchange rates, accessible via mbank.pl, the mobile app, or over 200 branches across Poland. It supports fee-free exchanges for USD, EUR, UAH, CHF, and GBP, with real-time rates updated daily. International transfers via SWIFT (code BREXPLPW) cover 20+ currencies, ideal for cross-border business. For Ukrainians, mBank simplifies account opening without PESEL, aligning with its inclusive approach.
Achievements and Reputation
mBank is celebrated for its digital leadership, winning the “Best Digital Bank” award by Global Finance in 2024. Despite a reported net loss of 702.53 million PLN in 2022 due to Swiss Franc mortgage provisions, it rebounded with a 15% profit increase in Q3 2024. The bank’s ESG strategy supports sustainable finance, targeting 20% green loans by 2028. Since merging its brands (MultiBank, BRE) into mBank in 2013, it has grown its market share to 7.65%, solidifying its position.
How to Access mBank’s Banking Services?
Opening an account is seamless—download the mBank mobile app from App Store or Google Play, register with a passport (PESEL optional for foreigners), and apply online. Visit branches in Warsaw, Łódź, or Kraków for in-person support. From online banking to savings accounts, mBank ensures convenience and transparency for all users.
Choose mBank—where innovation meets reliability for your financial needs!