mBank vs ING Bank Śląski

Product: Cash loan

mBank and ING Bank Śląski are the closest rivals in Poland's cheap-cash-loan segment. Both banks have strong digital service, fast decisions and RRSO in the lower band of the market (9.2–12%). The choice depends on creditworthiness — ING can be stricter — and on where you already hold a current account.

Verdict

ING's RRSO (9.2–11% in 2026) is nominally below mBank's (9.5–12%), but the gap mostly applies to clients with an active ING current account. Without an ING account terms sit at 11–13%, above mBank's standard. mBank is more „democratic" on pricing — less spread between account and non-account clients.

Speed: mBank and ING are in the same league. In-app application up to 200 000 PLN closes in 10–20 minutes at both banks for account clients. For a new client without an account mBank is slightly faster (up to 24 hours vs up to 48 hours at ING).

Assessment differs. ING runs a strict DTI ceiling (42%) — a client at 43% has effectively no shot at ING, where mBank may go to 45%. BIK score: mBank 380+, ING 420+. For clients on the edge mBank is more accessible.

Terms compared

Product mBank ING Bank Śląski
RRSO 2026 9.5–12% ✓ 9.2–11% (with account)
RRSO without an account ✓ 9.8–12.5% 11–13%
Maximum amount 200 000 PLN 200 000 PLN
Maximum term 96 months 96 months
Minimum BIK score ✓ 380+ 420+
Maximum DTI ✓ 45% 42%
Online decision with account ✓ 10 minutes 10–20 minutes

Fits for

mBank

  • Clients with lower BIK score (380–420)
  • People with DTI 42–45% — ING will often decline
  • Anyone chasing the fastest online decision

ING Bank Śląski

  • Clients with an active ING current account — best RRSO
  • Multi-product ING clients (account + card + savings)
  • People with a full income profile and DTI below 40%

Frequently asked questions

Which bank is cheaper — mBank or ING?+

ING for clients with an active current account (9.2–11%). mBank for non-account clients (9.5–12% mBank vs 11–13% ING). ING's cross-sell is strong.

Does ING approve cash loans for freelancers?+

Yes, under strict assessment. ING wants a service contract with 12+ months of regularity; mBank accepts from 6 months. Self-employed: 24+ months of business at ING, 12+ months at mBank.

Which bank has the better mobile app?+

Moje ING and mBank are in the same functional league. mBank wins Polish media rankings (Best App 2018–2025). ING wins on cost display (RRSO next to every offer).