mBank S.A. — quick identification
mBank S.A. based in Warsaw, listed on the KNF commercial-banks register. Part of the Commerzbank AG group (Germany). Active in Poland since 1986 (formerly BRE Bank), under the mBank brand since 2000. Signature model: a digital bank without a dense branch network, most operations online or through the mobile app.
Real cash-loan RRSO
Representative RRSO on 50 000 PLN over 60 months: 12.5%, monthly 1 110 PLN, total cost 16 600 PLN. On 10 000 PLN over 36 months: RRSO 15.8%, monthly 318 PLN, total cost 1 460 PLN. mBank sits at the top of the Polish universal-bank pricing — Alior Bank half a point lower, ING comparable, PKO and Pekao half a point higher.
Decision and payout time
An mBank client with an active personal account and salary inflows: decision in 15 minutes, payout the same day. An external client (no mBank account): decision 30-60 minutes, payout next working day. mBank handles the full process online — no branch visit, no paper documents.
Acceptance criteria
BIK above 480 points. Net income at least 2 500 PLN per month (3 000 PLN for amounts above 30 000 PLN). Employment at least 3 months with the current employer. No material arrears in BIK or KRD. Required documents (online): ID card, income declaration, BIK consent. An employment certificate only above 50 000 PLN.
My take: when mBank
An mBank client with an account and salary inflows for at least 3 months, mBank is the first pick — fastest and competitive. An external client with good BIK, compare mBank with Alior and ING; the RRSO gap sits at 0.3-0.7 points, but mBank's service speed and digital comfort are top-tier. A client with weak BIK, mBank refuses, you route yourself to Smartney or SuperGrosz in the non-bank segment.