Michael / Ström Dom Maklerski 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
- PLN 250,000 or EUR 50,000
- M/S Online
- None
- Focus on bond market — access to primary and secondary markets
Our Evaluation of Michael / Ström Dom Maklerski
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
Michael / Ström Dom Maklerski is a broker with higher-than-average risk and the TU Overall Score of 3.36 out of 10. Having reviewed trading opportunities offered by the company and reviews posted by Michael / Ström Dom Maklerski 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 Michael / Ström Dom Maklerski
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 Michael / Ström Dom Maklerski
Michael / Ström Dom Maklerski began its licensing process in 2013, when it received its first authorization from the Polish Financial Supervision Authority (KNF). The broker became active on Poland’s capital market in 2015 and was registered as a joint-stock company in 2018. It operates under the MiFID directive and is a member of the KDPW investor compensation scheme.
The broker specializes in bond investments, offering placements on both primary and secondary markets. It also provides access to investment funds and asset management services. The total volume of bonds placed with its participation exceeds PLN 10 billion, while assets under management amount to more than PLN 4 billion. Individual accounts can be opened remotely by Polish residents who are also tax residents of Poland.
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- Licensed by KNF and participant in the state investor compensation scheme.
- Access to primary and secondary bond markets.
- Individual retirement accounts (IKE and IKZE).
- Free account opening and maintenance.
- Transparent commission structure for transactions.
- Access to open and closed investment funds.
- Asset management services with strategy selection.
- No mobile applications.
- No access to stocks, ETFs, or derivatives.
- Educational resources limited to bond investing.
TU Expert Verdict
Chief Analytics Officer
Michael / Ström Dom Maklerski offers access to Poland’s bond market, investment funds, and asset management services via its proprietary, browser-based M/S Online platform. Regulated by the Polish Financial Supervision Authority KNF, the broker participates in the national investor compensation scheme and operates under EU regulatory standards. Its offering is focused on primary and secondary bond placements, with minimum deposits for asset management services set at PLN 250,000 or EUR 50,000. Standard brokerage and retirement account options are available, with free account opening and maintenance, and a clear, commission-based fee structure for bond transactions.
However, a notable drawback is the highly restricted service scope, as the broker only serves Polish tax residents and does not provide access to stocks, ETFs, or derivatives. Additional disadvantages include the absence of mobile applications, limited payment methods, and educational materials concentrated solely on bonds. Michael / Ström Dom Maklerski is therefore most appropriate for experienced, high-net-worth investors seeking specialized access to the Polish bond market.
Michael / Ström Dom Maklerski 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: | M/S Online |
|---|---|
| 📊 Accounts: | Rachunek Maklerski, Indywidualne Konto Emerytalne (IKE), Indywidualne Konto Zabezpieczenia Emerytalnego (IKZE) |
| 💰 Account currency: | PLN, EUR |
| 💵 Deposit / Withdrawal: | Domestic transfers, including via SORBNET; international bank transfers |
| 🚀 Minimum deposit: | PLN 250,000 or EUR 50,000 (for Asset Management); other accounts — not disclosed |
| ⚖️ Leverage: | None |
| 💼 Copy Trading: | No |
| 📈️ Min Order: | Not disclosed |
| 💱 EUR/USD spread: | 0.1% of bond amount, but no less than PLN 5 |
| 🔧 Instruments: | Bonds, investment funds, asset management |
| 💹 Margin Call / Stop Out: | No |
| 🏛 Liquidity provider: | Not disclosed |
| 📱 Mobile trading: | Via browser |
| ➕ Affiliate program: | No |
| 📋 Order execution: | Exchange |
| ⭐ Trading features: | Focus on bond market — access to primary and secondary markets |
| 🎁 Contests and bonuses: | No |
Michael / Ström Dom Maklerski provides access to various financial instruments, including corporate and government bonds and investment funds. The broker’s official website does not mention access to stocks, derivatives, or other assets. Trading is conducted via the M/S Online platform (web browser access).
Michael / Ström Dom Maklerski Key Parameters Evaluation
Trading Account Opening
Access to the user account on the Michael / Ström Dom Maklerski website is available only to clients. To open an account, the steps are as follows:
Click “Zostań klientem” at the top of the page.
Select the account type.
Choose the authentication method.
Complete the registration form and wait for document verification.
Login to the user account is carried out using an email address and password.
Is Michael / Ström Dom Maklerski Safe?
Michael / Ström Dom Maklerski S.A. holds four licenses from the Polish Financial Supervision Authority (KNF). The company is registered in the national court register (KRS) under number 0000712428. KNF supervision includes mandatory participation in the compensation scheme managed by the Krajowy Depozyt Papierów Wartościowych (KDPW). In case of broker insolvency, the fund covers 100% of amounts up to EUR 3,000 and 90% of the excess up to EUR 22,000.
Advantages
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Operates under EU regulatory requirements
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Investor protection via KDPW
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Strict adherence to brokerage agreements
Disadvantages
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Limited payment methods
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Services for Polish residents only
Commissions and Fees
Michael / Ström Dom Maklerski does not charge fees for account opening or maintenance. The commission on bond transactions is 0.1% of the trade amount, with a minimum of PLN 5. For euro-denominated bonds, the minimum commission is EUR 1. Deposits by bank transfer are free of charge. Withdrawal fees: PLN 3 for standard domestic transfers, PLN 50 via SORBNET, and international transfers incur the bank’s fee plus PLN 100. Currency conversion fees are not disclosed.
| Account type | Spread (minimum value) | Withdrawal commission |
|---|---|---|
| Real | PLN 5 | Yes |
Additional fees include PLN 150 for early closure of IKE/IKZE retirement accounts within the first year. There is no inactivity fee.
Below is a comparison of commissions with other brokers:
| Broker | Average commission | Level |
|---|---|---|
|
$1.3 | |
|
$4 | |
|
$ |
Account Types
Michael / Ström Dom Maklerski offers two main account types for individual investors: a standard brokerage account and retirement accounts.
Deposit and Withdrawal
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Domestic transfer fee in Poland: PLN 3.
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SORBNET transfer fee (up to PLN 1,000,000): PLN 50.
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International bank transfer: bank’s fee + PLN 100.
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Early IKE/IKZE account withdrawal (within 12 months): PLN 150.
Investment Options
Michael / Ström Dom Maklerski offers several solutions for generating passive income. These instruments are designed for investors who prefer stable and predictable income without the need for active involvement.
Available options:
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Bond investments. The broker provides access to corporate and government bonds that deliver regular interest payments. The average margin on corporate bonds is approximately 4.90% above the WIBOR rate.
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Open and closed investment funds. Through the MS Fund Online service, clients can invest in over 1,000 funds, including both domestic and international options. This enables portfolio diversification and passive income generation.
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Asset management. Designed for clients who wish to entrust professionals with their investments. The minimum investment is PLN 250,000 or EUR 50,000. Clients can choose from six strategies that match various risk levels and expected returns.
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Retirement accounts. The broker offers individual retirement accounts that allow investments in bonds and funds with tax benefits. This is a long-term approach to capital accumulation with the potential for passive income.
Customer Support
Company offices are open Monday through Friday, from 9:00 a.m. to 5:00 p.m. (GMT+2).
Advantages
- Wide office network
- Support is available by phone
Disadvantages
- No online chat on the website
Support channels:
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Email;
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Telephone;
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Fax;
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Feedback form;
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Facebook Messenger.
Contacts
| Registration address | Al. Jerozolimskie 100, 00-807 Warsaw, Equator IV Building, Poland |
|---|---|
| Regulation |
KNF
Licence number: DRK/WL/4020/10/25/107/1/13 |
| Official site | https://michaelstrom.pl/ |
| Contacts |
+48 22 128 59 00
|
Education
Michael / Ström Dom Maklerski provides limited educational content focused mainly on the bond market. The company publishes articles and hosts webinars but does not offer a structured program for beginners.
Detailed review of Michael / Ström Dom Maklerski
Michael / Ström Dom Maklerski operates successfully in Poland’s investment market with a core focus on debt instruments, primarily corporate and government bonds. The company provides access to both primary and secondary bond markets, including placements it organizes directly. Its activities are concentrated on the Polish financial market and are aimed at investors who prefer fixed-income instruments.
Michael / Ström Dom Maklerski by the numbers:
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12 client service locations.
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Over 5,200 brokerage accounts opened.
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Partnerships with 83 securities issuers.
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More than PLN 8.8 billion in primary market transactions.
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Over PLN 4.1 billion in deposited assets.
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A team of 21 licensed brokers, 5 CFA-certified analysts, and 4 licensed investment advisors.
Michael / Ström Dom Maklerski is a trusted partner for debt instrument investors
Michael / Ström Dom Maklerski is distinguished by its specialization in investment banking services. The company works closely with corporate clients on debt issuance, providing support with structuring, positioning, and investor engagement. It also maintains shareholder registers and delivers technical assistance for corporate actions.
Bond placement statistics published on the company’s website show total issuances exceeding PLN 10 billion. The client base includes major industrial and real estate companies, reflecting its prominent role in corporate bond services. The broker acts as coordinator, advisor, and organizer, overseeing both legal and marketing aspects of placements.
Services offered by Michael / Ström Dom Maklerski’s:
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Webinars on bond investing.
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Individual retirement accounts.
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Debt strategy planning and implementation support.
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Investment banking services for bond issuance.
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Capital structure and debt financing consultations.
Advantages:
Proprietary M/S Online platform.
Analytical and educational content focused on bonds.
Corporate debt consulting services.
Experience with major issuers.
Investment in EUR and PLN.
Access to over 1,000 investment funds via MS Fund Online.
Michael / Ström Dom Maklerski maintains shareholder registers and provides technical support for issuances and corporate events.
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