mBank

Poland's first internet bank (1986 as BRE Bank), now with 6 million retail clients and the largest mobile banking market share. mBank belongs to the Commerzbank Group — German capital, Polish management, focus on younger cost-tracking clients.

Active since: 1986 · Bank

Character of the lender

mBank's main asset is speed. A cash loan up to 200 000 PLN clears in the app in 10–15 minutes — form, decision, disbursement. The bank has run Open Banking since 2019, letting you skip the income certificate if you share 90 days of account read-access.

On mortgages mBank sits second after PKO BP by pace — 4–6 weeks from complete documents to decision on a standard property. The margin is not the lowest (2.3–2.6% for a non-account client), but with an mBank account plus mBank life insurance it drops to 2.0%.

The mBank mobile app has won Best App in Polish financial media rankings 8 years running (2018–2025). A quieter strength is the visible RRSO next to every offer — mBank has a healthy culture around cost disclosure.

Offer

  • Cash loan: up to 200 000 PLN, term up to 96 months, RRSO 9.5–12% in 2026
  • Mortgage: margin from 2.0%, term up to 35 years, decision in 4–6 weeks
  • Credit card: mBank Visa Platinum, limit up to 60 000 PLN, RRSO 19.5%
  • eKonto with no fees, Moje Cele savings account

Application process

Cash loan application in the mBank app — decision in 5–15 minutes, instant disbursement for existing clients. New client (no mBank account): decision may take up to 24 hours and needs an account opening first. Mortgage: 4–6 weeks, including 3 weeks for valuation.

Fits well for

  • Clients who value speed and a fully digital experience
  • Anyone comparing offers — mBank surfaces RRSO clearly
  • Freelancers and unconventional-income clients — Open Banking gives flexibility

Not for

  • Clients who prefer branch service — mBank runs about 100 branches
  • Anyone qualifying for a government scheme — PKO BP and Pekao handle those better
  • Complex credit situations needing negotiation — the process is automated

Frequently asked questions

Does mBank offer a no-BIK loan?+

No, mBank pulls BIK on every loan application. But a score of 380+ usually clears, which is a lower bar than PKO BP (450+).

What does a 20 000 PLN, 5-year cash loan cost at mBank?+

In 2026, around 425 PLN a month at RRSO of about 11%. Total interest around 5 500 PLN. Actual terms depend on your score and product mix at mBank.

Does mBank offer a consolidation loan?+

Yes, up to 200 000 PLN, term up to 120 months, RRSO from 9.8% for a full-profile income client. Online application in the app.