Poland
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mBank
Polish listed bank. KNF / NBP. BFG €100k-equivalent. Commerzbank-owned. Not the Kyrgyz OJSC.
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7.4Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Bank — mBank S.A. Listed. Commerzbank group (KNF / NBP / ECB (SSM)). Still read the entity on the statement.
If it fails?
Bankowy Fundusz Gwarancyjny (BFG) up to €100,000-equivalent per depositor per bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account packs — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.4
/10 · Solid
mBank S.A. is a listed Polish bank. KNF, NBP, BFG up to €100,000-equivalent. Commerzbank is the owner. BRE Bank rebranded in 2013; the digital franchise is older than N26. OJSC mBank in Bishkek is a different company under the National Bank of the Kyrgyz Republic. Two orange logos. Two files. A Polish IBAN here is a bank IBAN.
What it is
Warsaw. Directories call it a neobank because the app is orange. It is a universal bank with a digital habit. Read the KNF name.
Best for: Poland residents who want a KNF bank with a two-decade digital franchise, not a 2020 wallet.
Last checked 2026-08-30. Not advice.
What it does well
- +Named KNF bank
- +BFG
- +Scale
- +Not the Bishkek company
What to watch
- −Poland-resident for retail
- −Name collision with Kyrgyz OJSC mBank
- −Pack fees
- −Commerzbank owner is not a second scheme
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · SME
- Partner bank
- mBank S.A.
- Minimum balance
- PLN 0
- Lowest monthly fee
- Account packs — confirm live
- Who can open
- Poland residents
- Availability
- Poland
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- mBank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Bankowy Fundusz Gwarancyjny (BFG) up to €100,000-equivalent per depositor per bank
Who holds the money: mBank S.A.
- KNF / NBP / ECB (SSM)Bank — mBank S.A. Listed. Commerzbank group · Poland
Fees
- Monthly
- Account packs — confirm live
- FX markup
- Bank tariff / eKonto possibilities
- ATM
- mBank / Planet Cash network
- Interest
- Savings SKUs — rates move
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Polish IBAN
- Retail + SME
- BFG
- Listed digital franchise
- Not mBank KG
Score
- Safety25%
- 8.6
- Fees20%
- 7.4
- Features15%
- 8.0
- App15%
- 8.4
- Global15%
- 4.2
- Support10%
- 6.8
Change log
Full logLicence
mBank S.A. — KNF / BFG
Listed Polish bank, Commerzbank-owned. Not OJSC mBank Bishkek.
Available in
Straight answers
FAQ
01Is mBank a bank?
mBank holds a banking-style licence (KNF / NBP / ECB (SSM)). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Bankowy Fundusz Gwarancyjny (BFG) up to €100,000-equivalent per depositor per bank
03Where is mBank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with mBank.
04Card and wallets?
mBank lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open mBank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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