mBank Review 2026
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
- None
- eMakler
- mBank mobile apps
- No
- Integration with bank account, access to international markets, pension account investing
Our Evaluation of mBank
According to our idea, the TU Overall Score indicator should answer the biggest question of all: “Can I trust this broker with my money?”. The scores range within 0.01 – 9.99 (the higher the indicator the more trust the broker has). More details
mBank is a broker with higher-than-average risk and the TU Overall Score of 3.49 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by mBank clients on our website, Traders Union expert Anton Kharitonov recommends users to consider a more reliable broker with better conditions, as, according to reviews, many clients of this broker are not satisfied with the company’s work.
How we tested mBank
Traders Union has analyzed financial markets for over 14 years, evaluating brokers based on 250+ transparent criteria, including security, regulation, and trading conditions. Our expert team of over 50 professionals regularly updates a Watch List of 500+ brokers to provide users with data-driven insights. While our research is based on objective data, we recommend that users perform independent due diligence and consult official regulatory sources before making any financial decisions.
Learn more about our methodology and editorial policies.
Brief Look at mBank
mBank began its brokerage operations in 1986 as part of BRE Bank and in 2000 was integrated into mBank, the first internet bank in Poland. It is listed on the Warsaw Stock Exchange and included in the WIG 20 index. Regulated by the KNF (Polish Financial Supervision Authority) and operating under official permits, mBank offers access to over 2,300 American and European stocks and more than 400 ETFs. Trading is available through the mBank Giełda web platform and mobile app, with educational materials and analytical reviews provided for novice investors.
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- Regulated by the KNF and covered by the KDPW compensation scheme;
- Online account opening for Polish residents and non-residents;
- eMakler brokerage account integrated with bank account;
- Access to Polish and international stock markets;
- Intuitive mBank Giełda mobile application;
- No minimum deposit required to start investing;
- Investment consulting and pre-designed strategies available.
- No leverage for stock and ETF trading;
- No structured educational programs for advanced investors;
- Limited operating hours for chat support in mobile apps.
TU Expert Verdict
Chief Analytics Officer
mBank offers integrated banking and brokerage services, featuring online and mobile platforms for trading stocks, ETFs, bonds, and investment funds across Polish and international markets. Regulated by the Polish Financial Supervision Authority, mBank enables both self-directed and advised investing with no minimum deposit, and it supports account currencies in PLN, EUR, USD, and GBP. The eMakler brokerage account is directly linked to personal mBank accounts, streamlining internal transfers and portfolio management. Clients benefit from transparent stock and ETF fee structures, investor compensation coverage under KDPW, and advisory tools, while pension and savings accounts are available for long-term investment planning.
However, a notable drawback is the lack of leverage for stock and ETF trading. Additional disadvantages include relatively high minimum commissions for foreign trades, limited availability of advanced educational resources, and restricted chat support hours within the mobile app. mBank may best suit conservative investors or clients seeking smooth integration with banking services; it may not be suitable for those who prioritize leverage or active traders focused on keeping trading costs to a minimum.
mBank Summary
Your capital is at risk. The risk of loss in online trading of stocks, options, futures, currencies, foreign equities, and fixed Income can be substantial.
| 💻 Trading platform: | eMakler, mBank mobile apps |
|---|---|
| 📊 Accounts: | eMakler, brokerage account with mBank, savings and pension accounts |
| 💰 Account currency: | PLN, EUR, USD, GBP |
| 💵 Deposit / Withdrawal: | Internal transfers between bank and brokerage accounts, external bank transfers |
| 🚀 Minimum deposit: | None |
| ⚖️ Leverage: | No |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | 1 share |
| 💱 EUR/USD spread: | Polish market: 0.39% (min. 5 PLN); foreign markets: 0.29% (min. 14 PLN) |
| 🔧 Instruments: | Stocks, ETFs, bonds, investment funds, Forex |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | N/A |
| 📱 Mobile trading: | Yes |
| ➕ Affiliate program: | Yes |
| 📋 Order execution: | Exchange-based for stock market, market execution for Forex |
| ⭐ Trading features: | Integration with bank account, access to international markets, pension account investing |
| 🎁 Contests and bonuses: | No |
mBank provides stock market access through the eMakler platform, which is integrated with the client’s bank account. The platform supports investments in stocks, ETFs, and bonds across Polish and international exchanges, including the U.S. and Europe. eMakler can be accessed via online banking and the mBank Giełda mobile app, ensuring convenient and consistent investment management.
mBank Key Parameters Evaluation
Trading Account Opening
Users can open an account either via the website or mobile apps:
Initiate the account opening process.
Follow the app’s on-screen instructions.
A separate guide is provided for opening through the broker’s website.
Account activation is completed once all required documents are submitted.
Is mBank Safe?
mBank is regulated by the KNF (Polish Financial Supervision Authority) and participates in the KDPW (National Depository for Securities) compensation scheme, which protects retail investors up to €22,000: 100% of losses up to €3,000 and 90% of the remaining amount.
Advantages
- Full transparency under Poland’s national financial regulator
- Protection through the investor compensation scheme
- Operating since 1986 with significant capitalization
Disadvantages
- No information on investor protection outside Polish markets
- Bureaucratic processes in account setup and maintenance
Commissions and Fees
mBank charges 0.39% per trade on the Warsaw Stock Exchange, with a minimum of 5 PLN. On foreign markets, the fee is 0.29% with a minimum of 14 PLN. Account opening is free, and maintenance is also free with electronic communication. Otherwise, an annual fee of 50 PLN applies.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Real | 5 PLN | Yes |
Additional fees may be charged for securities storage if transaction fees fall below a set threshold.
The table below compares mBank’s average fees with other brokers.
| Broker | Average commission | Level |
|---|---|---|
|
$2.50 | |
|
$4 | |
|
$1.1 |
Account Types
mBank offers two main account types for private investors, along with savings and pension accounts.
Account types:
Deposit and Withdrawal
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Methods: Internal transfers within mBank accounts and external transfers from other banks.
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Timelines: Internal transfers are instant; external transfers are processed within one business day.
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Fees: Internal transfers are free. External transfers cost PLN 5.
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SWIFT withdrawals: 0.35% of the amount, with a minimum of PLN 25 and a maximum of PLN 200.
Investment Options
mBank provides several passive income options that allow clients to generate returns without active management:
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eKonto oszczędnościowe. A savings account with a variable annual interest rate of 0.75% to 1% depending on balance. Funds remain accessible at any time without losing accrued interest.
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Pre-designed investment strategies. Expert-managed portfolios with a minimum initial investment of PLN 1,000 and monthly contributions starting from PLN 200.
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Dividend stocks. Investments in companies that pay regular dividends for steady returns.
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ETF funds. Exposure to market indices or sectors through exchange-traded funds, offering passive income with minimal oversight.
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Investment advisory service. Personalized recommendations tailored to individual profiles and goals.
mBank’s partnership program
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PolecamBank. Clients earn monetary rewards for referring banking products. Bonuses range up to PLN 260 for personal accounts and PLN 400 for business accounts. The referred client must meet specific conditions such as making a minimum number of transactions.
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Affiliate program. Designed for website, blog, and online resource owners promoting mBank’s products. Participants earn commissions for referrals.
Customer Support
mBank provides a variety of support options for both banking and investment queries.
Advantages
- 24/7 phone support
- Multiple communication channels
Disadvantages
- Video calls are limited to weekdays from 10 a.m. to 6 p.m., and chat is available from 6 a.m. to 10 p.m. (GMT+2)
- Limited email-based support
Available channels:
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Email;
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Mobile app chat;
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mLinia phone line;
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Video calls;
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Facebook Messenger.
Contacts
| Registration address | ul. Prosta 18, 00-850 Warsaw, Poland |
|---|---|
| Regulation | KNF |
| Official site | https://www.mbank.pl/indywidualny/ |
| Contacts |
+48 42 6 300 800, +48 783 300 800
|
Education
mBank offers a variety of educational resources for clients on its official website. Users can learn investment basics, explore tools and strategies, and get practical guidance for using the platforms.
mBank’s educational materials are suitable for beginner and intermediate investors and help understand basic principles and tools. However, the content may be limited for experienced users seeking advanced, specialized programs.
Detailed review of mBank
mBank offers a broad range of investment products and services designed for both novice and experienced investors. Clients can invest in stocks, bonds, ETFs, and other instruments on Polish and international markets. For convenience, both web and mobile platforms are available for Android and iOS, providing quick access to markets and portfolio management. The broker also offers IKE and IKZE pension accounts with tax benefits, along with advisory and portfolio management services.
mBank by the numbers:
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Among the top 5 banks in Poland by asset size.
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Operating since 1986, under the mBank brand since 2000.
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Staff of over 8,500.
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Serves over 5.7 million retail clients.
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Access to 2,300+ American and European stocks and 400+ ETFs.
mBank — A broker with pre-designed investment solutions and global market access
As both a bank and broker, mBank provides clients with analytical materials and strategies developed by in-house experts. Pre-designed portfolios tailored to various risk levels and financial goals are available. An automatic savings feature lets users set goals and make regular contributions through options such as rounding purchases or fixed monthly transfers.
For international investors, mBank grants access to markets in New York, London, and Frankfurt. Clients can invest in stocks and ETFs in multiple currencies with tools to manage currency risk. The broker also offers market analysis and portfolio tracking features that support transparency and control.
Useful services offered by mBank:
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eMakler platform: access to stocks and ETFs on Polish and international markets
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mBank Giełda mobile app: real-time portfolios, quotes, and analytical materials
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Supermarket Funduszy Inwestycyjnych (SFI): a platform for investing in a wide range of funds
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mForex service: CFD trading on currencies, commodities, and indices via MetaTrader 4
Advantages:
Wide selection of investment tools and solutions.
Fee-free internal transfers between accounts.
Support for multiple account currencies.
Provision of analytical materials and market data.
Multilingual support in Polish, English, and Ukrainian.
mBank enables clients to invest in stocks, ETFs, and bonds, including through IKE and IKZE pension accounts with tax benefits.
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