mBank
Digital nomads
Tech-savvy users
Remote workers
Online banking
9/10
Expat-Friendliness Score
mBank is the undisputed leader in digital banking in Poland, offering the best mobile app experience and full English support across all channels. If you have PESEL, you can open an account in just 15 minutes entirely online. The bank is perfect for digital nomads, remote workers, and tech-savvy expats who prioritize convenience and modern features. However, without PESEL, the process becomes significantly more difficult. The savings accounts offer competitive rates up to 6.5% APY, making it attractive for savers as well.
Fees & Costs
- Personal Account
- 0 PLN
- Business Account
- 20-40 PLN/month
- Savings Interest
- Up to 6.5% APY
Requirements
- PESEL Required
- Recommended
- Online Opening
- Available
- Opening Time
- 15 minutes online (with PESEL) or 1 day in branch
Ratings
- English Support
- Mobile App
- ATM Network
- 7,000 ATMs
Contact
- Website
- https://www.mbank.pl
- Phone Support
- +48 801 300 300
- [email protected]
Pros for Expats
- Best mobile app in Poland (award-winning)
- Fast 15-minute online opening with PESEL
- Full English support (app, website, 24/7 phone)
- Excellent digital banking features
- Competitive savings rates (6.5% APY)
Cons for Expats
- Requires PESEL for online opening
- Limited physical branches
- Without PESEL, process is much harder (5/10 friendliness)
Special Features
- Award-winning mobile app
- 100% online opening in 15 minutes (with PESEL)
- Automated savings features
- Digital-first banking experience