eKonto do usług

mBank eKonto do usług – Review

eKonto do usług is mBank's core personal account, with no fee for opening or maintaining it, free outgoing transfers, and a debit card that can be kept fee-free with a bit of regular activity. It's aimed at people who want an everyday account for cash withdrawals, card and BLIK payments, and mobile banking, without having to track a complicated fee schedule. The account currently comes with an extensive, multi-stage promotion worth up to PLN 1,300, so it's worth checking exactly how much of that is easy to get and how much requires meeting extra conditions.

Fees and Charges

mBank charges nothing at all for maintaining eKonto do usług – PLN 0 per month, with no extra conditions attached to that waiver. Outgoing transfers are also free, which, combined with the lack of a maintenance fee, means the account can effectively be treated as fully free under normal online-banking use.

The account comes with a Visa payWave/Mastercard PayPass debit card. Keeping it isn't entirely unconditional, though: the card fee can be up to PLN 9 per month, but it's waived if you make at least PLN 350 in card purchases that month. The same logic applies to domestic ATM withdrawals – normally up to PLN 2.5 per transaction, but withdrawals of at least PLN 300 are free. In other words, with regular card spending and larger single withdrawals, neither of these fees will actually apply. Card withdrawals from foreign ATMs are also free – PLN 0 according to mBank's fee information document. For transactions in a currency other than the account currency, however, the bank charges a currency conversion fee (5.9% of the transaction value, 3.5% with the multi-currency service switched on).

The Bonus – How Much You Can Realistically Get

The current promotion lets you collect up to PLN 1,300 in total, but that amount is split into five separate pieces, each with its own conditions and its own timeline – this isn't a one-off bonus just for opening the account.

• Up to PLN 300 in Biedronka vouchers (six vouchers of PLN 50 each) (promotion "Zgarnij bony do Biedronki z eKontem do usług – edycja I") – requires signing up for the promotion, opening the account with a Mastercard debit card and consenting to mOkazje (where the vouchers are delivered), and, in each of up to 6 full months, having at least PLN 2,000 credited to the account and spending at least PLN 350 on the card. The voucher for a given month is forfeited if the condition isn't met.
• Up to PLN 500 for opening the account with a card and using it actively, paid in two stages: PLN 100 for meeting the activity conditions in the first month, and a further PLN 400 for keeping them up over the following 5 consecutive months.
• PLN 100 for opening the account remotely – via selfie verification, an e-ID, or the mObywatel app – provided the other activity requirements are also met.
• PLN 300 for having your salary credited to the account, at least PLN 2,000, in at least 4 of the 6 full calendar months after opening it.
• PLN 100 for additionally opening a child's account (eKonto Junior or eKonto możliwości for ages 13 to 17) by the end of the first full month after opening your own account.

In practice, this means the full PLN 1,300 is only available to a customer who keeps up regular inflows and card transactions for six months AND additionally opens an account for a child – which simply isn't relevant for most people without kids. Without that piece, the realistically achievable amount is PLN 1,200, and without the salary-inflow condition (for example, for a self-employed person without a fixed monthly salary landing on the account), it's even less. This is a bonus spread out over time that requires consistency for half a year, not easy "money for opening an account" – each of the five pieces has to be deliberately ticked off. You can sign up for the "Cała naprzód" promotion until November 30, 2026 (the account agreement must be signed by December 7, 2026), and its bonuses are paid by July 31, 2027 at the latest. You can join the Biedronka voucher promotion until January 31, 2027 or until its limit of 12,000 accounts runs out (agreement by February 4, 2027). According to the terms, the two promotions can be combined.

Account Features and Mobile App

eKonto do usług supports contactless and online card payments, free cash withdrawal at a shop checkout (cash back), and BLIK. The account integrates with Google Pay and Apple Pay, so you can pay with your phone without carrying the physical card. Everything is managed through the mBank mobile app, which handles day-to-day operations, transaction history, and card management.

Who It's For

This account makes the most sense for people who want a free everyday account – no maintenance fee, no transfer fees – and who can keep up a minimal level of card activity (PLN 350 a month) to avoid the card fee. On top of that, for customers willing to move their salary over and stay active for six months, there's a bonus of up to PLN 1,200 (PLN 1,300 if they also open a child's account) – which makes the offer especially attractive for people switching their main bank. It's worth keeping in mind that the account makes sense even without chasing the full bonus: someone who doesn't meet any of the five promotional conditions still benefits from the free account maintenance and free outgoing transfers – the bonus is a bonus on top, not a precondition for the account itself being worthwhile.

How to Open eKonto do usług

The account can be opened remotely, without a branch visit – the bank supports identity verification via selfie, e-ID, or the mObywatel app. Choosing one of these opening methods is itself a condition for one of the bonus components (PLN 100), so it's worth getting this right at the application stage if you want to maximize the bonus.

Pros and Cons

Pros

• PLN 0 for maintaining the account, no conditions
• Free outgoing transfers
• Easy to waive the card fee (minimum PLN 350 in monthly transactions)
• Free domestic ATM withdrawals from PLN 300
• Supports BLIK, Google Pay, and Apple Pay
• Remote account opening (selfie, e-ID, mObywatel)

Cons

• The bonus is split into 5 conditions spread over six months – the full PLN 1,300 is hard to reach without opening an extra account for a child
• Losing part of the bonus for any month where the inflow or card-spending condition isn't met
• The card fee (up to PLN 9) and the smaller ATM withdrawal fee (up to PLN 2.5) come back if activity drops below the thresholds

Summary

eKonto do usług is a solid personal account that's free at its core – nothing for maintenance or transfers, and the card and cash-withdrawal fees are easy to zero out with a bit of regular activity. The extra bonus of up to PLN 1,300 is a genuine plus, but it's worth knowing it isn't a one-off payout – it's built from five separate conditions spread over six months. In practice, the most realistic scenario for a customer without children is around PLN 1,200, assuming they keep up inflows and card activity for the whole promotional period.