How do I avoid the monthly fee?

Make at least one card payment per month and the 0 PLN fee applies automatically.

Can I open the account online?

Yes, the whole process is online and takes about 10 minutes with a video or transfer verification.

mBank

mBank eKonto

The all-rounder current account, free for active users

4.81,240 reviews

Pros

No monthly fee with card activity
Excellent mobile app
Welcome bonus up to 200 PLN
Free ATM withdrawals in Poland

Cons

Fee applies without monthly card payment
Currency exchange spread on card

Summary

eKonto is mBank's flagship personal account: no monthly fee when you pay by card, a slick mobile app, BLIK, Apple Pay and Google Pay out of the box.

Fees & costs

Fees

Monthly fee0 PLN (with card payment)

Card fee0 PLN

ATM (Poland)Free

Digital

Mobile appiOS & Android

BLIKYes

Requirements

18+ years old
Polish address or residence permit
Valid ID document

Benefits

Apple Pay & Google Pay
BLIK payments
Free virtual card
Real-time spend notifications

How to apply

1
Click the Apply button to go to the provider's secure site.
2
Fill in the online application form with your details.
3
Verify your identity online and confirm the agreement.

Frequently asked questions

BankPilots Editorial

Author

Updated: May 2026

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