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BM mBanku

BM mBanku

mBank S.A.Regulator: Komisja Nadzoru FinansowegoOperating since 1986

Annual cost
180.00 zł
Broksy Score
8.8/10Outstanding77 of 116 facts confirmed
Tax accounts
IKE: Yes, IKZE: Yes, OKI: No data
PIT-8C
Yes

Cost for this scenario: 1,000 zł a month · foreign ETFs · regular account.

Data checked 2 November 2026Sources (18)

Who BM mBanku is for

A good fit if

  • you want IKE and IKZE with one broker
  • you want a PIT-8C instead of calculating the tax yourself
  • you need support in Polish

What makes up the Broksy Score

8.8/10OutstandingA source confirms 13 of the 15 answers the score is built fromHow we score
Cost
7.5
Taxes
10.0
IKE and IKZE
10.0
Markets and convenience
8.0
Safety
10.0

What it costs

Score 7.5/10

Annual cost in typical scenarios, calculated the same way for every broker.

Starter

1,000 zł a month · foreign ETFs · regular account

180.00 zł

rank 7 of 15

Active on the GPW

2,000 zł a month · GPW shares · regular account

120.00 zł

rank 4 of 18

Lump sum

50,000 zł one-off · foreign ETFs · regular account

195.00 zł

rank 6 of 15

See what you would build up at BM mBanku over the years

Fees and commissions

Fee schedule in force since 20 March 2026

Commission: GPW
0.39%, min. 5 zł
Commission: US, LSE, XETRA
0.29%, min. 14 zł
Currency conversion: EUR, USD, GBP
0.1%
Custody: GPW
Free · with a portfolio up to 500,000 zł2 × the KDPW fee, waived when commissions paid in the period are higher · a quarter · otherwise
Custody: GPW
Free · with a portfolio up to 5,000,000 zł2 × the KDPW fee, waived when commissions paid in the period are higher · a year · otherwise
Custody: US, LSE, XETRA
Free · with a portfolio up to 1,000,000 zł0.15% a year, reduced by commissions paid in the period · every six months · otherwise
Account maintenance
Free

Account types

Score 10.0/10

Regular account

Yes

IKE

Yes

IKZE

Yes

OKI

No data
Foreign shares and ETFs in IKE and IKZE
Yes
IKE fees no higher than on a regular account
Yes
Accepts IKE transfers in
Yes

Taxes and documents

Score 10.0/10
PIT-8C from the broker
Yes
W-8BEN online
Yes
Tax treaty rate applied automatically
Yes
Annual tax report
Yes
Trade export to a file
Yes
Tax documents in Polish
Yes

mBank eMakler issues PIT-8C, according to its documents.Which brokers issue PIT-8C, and the PIT-38 deadlines

Deposits, withdrawals and account opening

Instant transfer
Yes
Account in złoty
Yes
Currency sub-accounts
No
Minimum deposit
0.00 zł
Account opening fully online
Yes
Opening with a residence card (karta pobytu)
No
Opening without PESEL or with a non-EU passport
No
Verification in Ukrainian, Russian or English
No
Not checked yet: 1 item
BLIK deposit
No data

Platform and support

Mobile and web app
Yes
App in Polish
Yes
Order types
Yes
Contact channels
infolinia, e-mail, Punkt Usług Maklerskich (Warszawa)
Support hours
pon.–pt. 8:00–18:00
Support in Polish
Yes
Support in Ukrainian, Russian or English
No
Complaints procedure
Yes
Not checked yet: 4 items
App rating
No data
App in Ukrainian, Russian or English
No data
Automatic regular plan
No data
Fractional shares and ETFs
No data

Safety

Score 10.0/10
Company
mBank S.A.
Country
Poland
Founded
1986
Licence
Komisja Nadzoru Finansowego
Register number
No data
Investor protection
System rekompensat KDPW
Protection limit
22,000.00 EUR
Licence type
Bank
Polish branch or Polish jurisdiction
Yes
Investor compensation scheme
22,000.00 EUR
Cash deposit guarantee
Yes
Client assets segregated from the company's own
Yes
Listed or audited company
Yes
Years on the market
40Operating since 1986
Two-factor login
Yes
Not checked yet: 1 item
Regulator fines and incidents
No data

Instrument range

GPW and NewConnect shares
Yes
US exchanges
Yes
European exchanges
Yes
Bonds
Yes
ETFs on the GPW
Yes
Polish IPO subscriptions
Yes
Not checked yet: 1 item
Number of UCITS ETFs
No data

Extras

Doesn't affect the Broksy Score
Current promotions
IKE eMakler i IKZE eMakler: do 500 zł premii
CFDs offered
No
Learning materials
bezpłatne szkolenia online
Not checked yet: 1 item
Interest on cash
No data

Alternatives

Annual cost in this scenario: 1,000 zł a month · foreign ETFs · regular account

Trading 212Trading 212
18.00 zł
Compare with Trading 212 Full Trading 212 profile
Trade RepublicTrade Republic
48.00 zł
Compare with Trade Republic Full Trade Republic profile
XTBXTB
60.00 zł
Compare with XTB Full XTB profile

Sources

Every number on this page comes from these documents.

Spotted an error? Write to us and we'll fix the data and log the change.

BM mBanku

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