mBank — Free Service Overview

mBank is Poland's fourth-largest bank by assets, one of Europe's pioneering internet-only banks. This page tracks live pricing tiers, supported platforms, and the practical use cases where mBank fits into a household or business subscription stack, with anchor prices sourced from the live pricing table above for country-specific currency.

Quick Facts

• Brand: mBank
• Operator: mBank S.A.
• Headquarters: Warsaw, Poland
• Founded: 1986 (BRE Bank), mBank brand 2000
• Ownership: publicly listed on the Warsaw Stock Exchange (MBK.WA); majority-owned by Commerzbank AG until 2024 divestment
• Flagship paid tier anchor: eKonto premium at around PLN 20-50/month
• 2025-2026 differentiator: award-winning mobile and web banking with mDeals cashback and mAccount EUR/USD multi-currency

What is mBank?

mBank is operated by mBank S.A., headquartered in Warsaw, Poland and founded in 1986 (BRE Bank), mBank brand 2000. The product covers PLN current and savings accounts (multi-currency add-ons), Visa and Mastercard debit and credit cards, and mBank mobile and online banking as its anchor capabilities, with the broader feature set described in the sections below. This catalog page pulls live tier pricing from our internal database and links into our cancel guides, deals, and price-history tracker so you can monitor mBank across its full subscription lifecycle.

Why choose mBank

Operator track record and ownership

mBank is run by mBank S.A., with ownership currently described as: publicly listed on the Warsaw Stock Exchange (MBK.WA); majority-owned by Commerzbank AG until 2024 divestment. The brand has been operating since 1986 (BRE Bank), mBank brand 2000, so by 2026 there is a multi-year track record of pricing decisions, product updates, and service reliability that buyers can review before subscribing. For 2025-2026 the operator's headline emphasis is on award-winning mobile and web banking with mDeals cashback and mAccount EUR/USD multi-currency.

Feature breadth in 2026

Beyond the headline pillars, mBank ships instant Express Elixir and BLIK transfers, mortgage, consumer credit, and SME lending, and Apple Pay, Google Pay and Garmin Pay support. This depth matters because subscribers rarely buy a single feature in isolation — they buy a system that can absorb adjacent jobs over time. mBank's feature surface area lets a household or team start narrow and expand into the rest of the platform as needs grow.

Plan structure and ecosystem fit

The current ladder runs from eKonto osobiste up to mBank Private Banking. Each step unlocks specific capabilities (detailed in the pricing table below) rather than artificial caps, and the platform integrates with mainstream device and billing ecosystems typical for a digital banking and payments provider. That makes it straightforward to slot mBank into existing setups without re-platforming.

mBank pricing in 2026

The tier ladder and anchor prices below are sourced from mBank S.A.'s public pricing pages as of 2025-2026. For the live country-specific numbers, refer to the pricing table at the top of this page; the summary below describes how the tier ladder is shaped.

Live pricing across countries

For country-by-country billing currency, taxes, and renewal pricing, refer to the live pricing table on this page. It pulls directly from our catalog so promotions, anchor tiers, and price drops surface as soon as we capture them. This is the source we recommend over any historical price quoted in third-party content.

mBank apps and platform support

mBank supports the platform mix expected for a digital banking and payments provider. The table below summarizes typical coverage; refer to mBank S.A.'s product pages for the exact device and OS support matrix on each tier.

Product depth and category positioning

mBank sits in the digital banking and payments provider category and competes with adjacent providers in Warsaw, Poland's home market and beyond. Its differentiation lever for 2025-2026 is award-winning mobile and web banking with mDeals cashback and mAccount EUR/USD multi-currency. Buyers evaluating the digital banking and payments provider market compare these capabilities against tier price and customer support quality, both of which are tracked in the pricing table above and in our deals and cancel guides linked below.

Use cases mBank fits

• Subscribers in Warsaw who want a digital banking and payments provider with PLN current and savings accounts (multi-currency add-ons) as a core anchor
• Households comparing mBank against adjacent digital banking and payments provider providers on the eKonto premium tier price point
• Buyers prioritizing Visa and Mastercard debit and credit cards as the buying signal that decides the category
• Users who want mBank mobile and online banking bundled with the rest of the platform rather than paid separately
• Cross-region or expat users wanting mBank S.A.-branded service rather than a regional reseller

Comparable products in our catalog

If you're evaluating mBank alongside other tools, we maintain a separate catalog page per service with live pricing and tier names. Use our category hub to compare mBank with adjacent digital banking and payments provider options on price, feature coverage, and free-tier availability. For each candidate we also track cancellation flow, current promo codes, and renewal price history so the total cost of ownership is visible upfront.

Frequently asked questions

Who operates mBank?

mBank is operated by mBank S.A., headquartered in Warsaw, Poland since 1986 (BRE Bank), mBank brand 2000. Ownership status: publicly listed on the Warsaw Stock Exchange (MBK.WA); majority-owned by Commerzbank AG until 2024 divestment. The full legal entity and registration details are published on the operator's public terms of service.

How much does mBank cost in 2026?

The eKonto osobiste anchor is PLN 0/month with eligible activity, the eKonto premium anchor is around PLN 20-50/month, and the mBank Private Banking anchor is by invitation. Live country-specific numbers and promotions are shown in the live pricing table at the top of this page.

Does mBank offer a free tier or trial?

Free tier and trial availability is shown in the live pricing table above and varies by country and promotional window. The current ladder starts at eKonto osobiste (PLN 0/month with eligible activity); check the mBank S.A. signup flow for the current trial terms before committing.

What platforms does mBank run on?

mBank covers the platforms shown in the table above. Mobile, web, and selected device support varies by region and tier; mBank S.A.'s product pages track new integrations as they ship.

What's new in mBank for 2025-2026?

The headline emphasis is award-winning mobile and web banking with mDeals cashback and mAccount EUR/USD multi-currency. This is the feature most likely to influence whether mBank is the right choice for a buyer evaluating the digital banking and payments provider market today.

How does mBank compare to other digital banking and payments provider options?

mBank differentiates on PLN current and savings accounts (multi-currency add-ons) and Visa and Mastercard debit and credit cards plus the broader feature ladder shown above. For a side-by-side feature comparison with adjacent providers, see our category hub linked at the bottom of this page.

Can I cancel mBank anytime?

Yes — cancellation is typically self-service via the mBank account portal or by contacting mBank S.A.. We maintain a step-by-step cancellation guide on our cancel hub that covers the specific in-product flow, refund eligibility, and what data is preserved after cancel.

Does mBank offer family, team, or business pricing?

Multi-user and higher-tier plans target larger deployments or households where applicable. The published anchor at the mBank Private Banking level is by invitation; ask mBank S.A. sales for bespoke or volume pricing on team or enterprise plans.

Is mBank available outside its home country?

mBank is operated from Warsaw, Poland and is primarily sold to its home market; see the live pricing table for country-specific tier pricing across the markets where mBank S.A. sells the product.

Where can I find mBank deals and promo codes?

Our deals page tracks current mBank promotional pricing and our renewal price tracker stores historical price points so you can spot post-trial price hikes. Both are linked below in the related guides section.

Get started with mBank

To sign up, head to the live pricing table at the top of this page. Pick the tier that matches your needs — eKonto osobiste (PLN 0/month with eligible activity) for evaluation, eKonto premium (around PLN 20-50/month) for production use, or mBank Private Banking (by invitation) for the broadest feature set. Once you've subscribed, bookmark this page to monitor renewal pricing and catch any tier or anchor-price changes from mBank S.A..

Related Subger guides

• Cancel mBank — step-by-step cancellation guide for the current portal
• mBank deals and promo codes — live promotional offers tracked across the year
• mBank true price tracker — renewal price history and post-trial cost watch
• mBank promo codes — coupon and code archive with expiration tracking
• Browse the full digital banking and payments provider category on Subger