Зміст
MBank is one of the leading and most innovative banks in Poland. Originally established in 1986 under the name BRE Bank, it rebranded as mBank in 2013 to unify its operations under one recognizable brand. MBank was the first fully internet-based bank in Poland, and it played a pioneering role in introducing online and mobile banking services to the Polish market.
Today, mBank serves millions of individual and business customers, offering a wide range of financial services including personal banking, business accounts, loans, and investments.
As part of the international Commerzbank Group (Germany), mBank combines strong local presence with international financial backing.
Its modern digital tools, user-friendly mobile app, and focus on technological innovation have helped shape the standards of digital banking in Poland.
Timeline of BRE Bank / mBank
| Year | Event |
|---|---|
| 1986 | BRE Bank (Bank Rozwoju Eksportu – Export Development Bank) is founded, focused on serving large companies and foreign trade. |
| 1990s | Rapid expansion: the bank begins serving a wider range of businesses beyond exporters. |
| 1998 | Listed on the Warsaw Stock Exchange (WSE); begins public trading of shares. |
| 2000 | Launch of mBank as a separate brand – the first fully online bank in Poland. It quickly gains popularity among young and tech-savvy users. |
| 2001 | Creation of another brand – Multibank, aimed at more affluent clients and small businesses. |
| 2007–2008 | mBank expands to the Czech Republic and Slovakia under the mBank brand. |
| 2008–2012 | Strong digital transformation: improved online platform, launch of a mobile app, introduction of new innovative products. |
| 2013 | Rebranding: BRE Bank, mBank, and Multibank are merged under a single brand – mBank. From this point, mBank becomes the universal name for all of the bank’s operations. |
Organizational Structure of mBank
| Aspect | Details |
|---|---|
| Parent Company | Commerzbank AG (Germany) – owns a majority stake in mBank |
| Headquarters | Warsaw, Poland |
| Core Divisions | – Retail Banking – Corporate and Investment Banking – SME Banking |
| Brands (before 2013) | – BRE Bank (main structure) – mBank (online brand) – Multibank (premium retail clients) |
| Current Brand (post-2013) | Unified under a single brand: mBank |
| Geographic Presence | Poland (main market), Czech Republic, Slovakia |
| Digital Infrastructure | Advanced mobile banking app, online banking platform, AI-based customer support |
| Employees | Over 7,000 (approximate figure, may vary by year) |
| Governance | Managed by a Management Board and a Supervisory Board |
Offers for Individuals
| Product / Service | Details |
|---|---|
| Bank Accounts | – eKonto – standard personal account with free online access and mobile banking. – Free domestic transfers and account maintenance (conditions may apply). – Multi-currency account options for travelers. |
| Payment Cards | – Debit cards linked to personal accounts (Visa or Mastercard). – Credit cards with cashback, travel insurance, and installment payment options. – Support for Apple Pay, Google Pay, Blik (Polish mobile payment system), and contactless payments. |
| Loans | – Cash loans for personal needs with fast approval and no collateral. – Car loans with fixed interest rates. – Overdraft (limit on your account) and consolidation loans. – Loan calculator available online for simulation. |
| Deposits & Savings | – Term deposits with various durations and fixed interest rates. – Savings accounts with daily interest calculation and flexible withdrawals. – Promotional interest rates for new clients or mobile-only offers. |
| Mobile Banking | – mBank app with full banking functionality: transfers, bill payments, cards, loan management. – Smart budgeting tools, spending categories, and transaction notifications. – High security (face ID, fingerprint, encryption). – Available in Polish, English, and Ukrainian. |
Loans for Individuals
| Loan Type | Loan Amount Range | Interest Rate (APR) | Repayment Term | Typical Monthly Payment |
|---|---|---|---|---|
| Cash Loan | 1,000 PLN – 200,000 PLN | ~7.99% – 12.99% | 3 months – 10 years | ~270 PLN/month for 10,000 PLN over 4 years |
| Car Loan | 5,000 PLN – 150,000 PLN | ~6.5% – 9.5% | 1 – 8 years | ~480 PLN/month for 30,000 PLN over 5 years |
| Overdraft | Up to 20,000 PLN | ~14% – 19% (only on used amount) | Renewable yearly | Flexible; interest only on what you spend |
| Consolidation Loan | 5,000 PLN – 180,000 PLN | ~8.5% – 11.5% | 2 – 10 years | Can reduce total monthly burden by 20–30% |
| Mortgage Loan* | From 100,000 PLN | ~6.9% – 8.9% (fixed/variable) | Up to 35 years | ~1,450 PLN/month for 300,000 PLN over 25 years |
Services for Businesses
| Service Category | Description | Key Features |
|---|---|---|
| Business Bank Accounts | Dedicated accounts for sole proprietors, partnerships, and companies. | – Free or low-cost accounts – Multi-currency support – Easy online management |
| Payment Cards | Debit and credit cards for business use. | – Mastercard Business cards – Card limits and employee cards – Integration with accounting tools |
| Online Banking Platform | Full-featured online interface for business banking. | – Secure transfers – Payment templates – Real-time balance and reporting |
| Mobile Banking App | Business account access on the go. | – Transfer approvals – Notifications – Secure login (face/fingerprint) |
| Loans and Credit | Financing options for working capital, investments, or growth. | – Business credit lines – Term loans – Leasing and factoring services |
| POS Terminals (mPOS) | Mobile payment solutions for stores or services. | – Accepts card and contactless payments – Integration with cash registers |
| Accounting & Invoicing | Tools to support small business operations. | – Automatic invoicing – Integration with accounting software – Payment tracking |
| Business Insurance | Protection for operations, property, or liability. | – Tailored packages – Fast claims process |
| Foreign Transactions | International transfers and currency exchange. | – Competitive FX rates – SEPA/SWIFT payments – Currency accounts |
Business Loans
| Loan Type | Amount Range | Interest Rate (APR) | Term | Purpose | Key Features |
|---|---|---|---|---|---|
| Working Capital Loan | 10,000 – 500,000 PLN | ~8% – 12% | Up to 60 months (5 years) | Cover operational costs, salaries, inventory, etc. | Quick approval, no collateral (for small amounts) |
| Investment Loan | 50,000 – 2,000,000+ PLN | ~6% – 10% | Up to 15 years | Buy equipment, machinery, expand office, renovations | May require business plan and collateral |
| Overdraft (Credit Line) | Up to 100,000 PLN | ~12% – 18% (only on used amount) | Renewable annually | Flexible spending for short-term needs | Instant access to extra funds, pay interest only when used |
| Leasing | Depends on asset value | Varies (6% – 10%) | 2 – 7 years | Vehicles, machinery, tech equipment | Ownership transfers after term or buyout option |
| Factoring | Based on invoice values | Commission-based (e.g. 1–3%) | Short term (30–90 days) | Advance payment on unpaid invoices | Improves cash flow without needing a traditional loan |
| EU/Grant-Backed Loans | Varies (depends on program) | Often below 6% | Up to 10 years | Projects co-financed by EU funds | Reduced interest, special support for innovation/sustainability |
Fees and Commissions – mBank (for Individual Clients)
| Service | mBank (Standard Offer) | Notes / Comparison |
|---|---|---|
| Account Maintenance | 0 PLN/month (with activity) | Free if you meet conditions (e.g., monthly inflow or card use); otherwise ~7 PLN |
| Debit Card Maintenance | 0–7 PLN/month | Free with minimum monthly use (e.g., 1 transaction) |
| Domestic Transfers (online) | 0 PLN | Free via online or mobile app |
| Instant Transfers (Express Elixir) | ~5 PLN per transaction | Optional fast service; competitors charge similar or more |
| Cash Withdrawal – mBank ATMs | 0 PLN | Free in own ATM network |
| Cash Withdrawal – Other ATMs | 5 PLN or free with premium account | ING and Santander offer similar; Millennium offers some free withdrawals |
| Foreign ATM Withdrawal | ~3–5% or 10 PLN minimum | Higher fees without foreign-currency account |
| Currency Exchange Fee | ~3–5% spread | Consider Revolut or Wise for lower spreads |
| Account Opening / Closing | 0 PLN | Free – standard across most Polish banks |
| Outgoing International Transfer (SWIFT) | ~25–50 PLN | Similar to most banks in Poland |
| SEPA Transfer (EUR in EU) | ~5 PLN | Cheaper than traditional SWIFT |
