eKonto możliwości

eKonto możliwości mBank — review

eKonto możliwości is mBank's basic personal account, aimed at customers looking for a free account for day-to-day finances — with no maintenance fee, and with a free card and transfers. The product is currently promoted with a bonus reaching PLN 910, but — as with most promotions of this type — its full amount is spread across several conditions extended over time, rather than paid out in one go simply for opening the account. In this review, we check how much it really costs to use the account day to day, and how hard it is to collect the entire advertised bonus, not just its headline amount.

Fees and charges

Opening and maintaining eKonto możliwości is free — PLN 0 regardless of account activity; the bank doesn't apply any additional conditions here to waive the fee, because there simply is no fee. This is a significant difference from some offers on the market, where the absence of a fee can depend, for example, on minimum monthly inflows — here there is no such condition. A Visa payWave debit card is attached to the account, and we won't pay for it either — both issuing and holding the card is free, with no annual fee or transaction-count condition. Cash withdrawals from all ATMs in Poland are free, as are card withdrawals abroad — a convenient solution for people who travel or shop abroad and don't want extra ATM commission added to their bill. External transfers are also free — one of the stronger sides of this offer, since at many banks transfers outside their own system tend to be chargeable or limited by a monthly cap, while here we won't encounter such a restriction.

Features, app, and bonus

The account supports BLIK, Google Pay, and Apple Pay, and the card allows online and contactless payments as well as cashback on purchases. Everything is managed via mBank's mobile app, so most everyday operations — transfers, top-ups, generating BLIK codes, managing the card — can be handled without logging in on a computer.

The most highlighted element of the offer is a bonus of up to PLN 910, but it's worth breaking it down before treating this figure as cash paid out simply for opening the account. According to the current terms of the promotion (visible on the campaign page, running from 28.05.2026 to 31.08.2026), the bonus consists of five separate elements, each with its own independent condition to meet:

• Bonus I — PLN 100 for an inflow of at least PLN 1,000 into the account within 7 days of opening it, card transactions of at least PLN 350 in the first month, and accumulating PLN 100 in the savings account
• Bonus II — PLN 400 for repeating the same conditions (a PLN 1,000 inflow, PLN 350 in card transactions, a PLN 100 increase in savings balance) for 5 consecutive months
• Bonus III — PLN 100 for opening the account using the selfie/e-ID method and meeting all the conditions of Bonus I and II
• Bonus IV — PLN 300 for a salary inflow of at least PLN 1,000 in at least 4 of 6 months
• Mobile bonus — PLN 10 for card transactions of PLN 350 in the first month

This means the full PLN 910 is genuinely achievable, but it requires consistently maintaining regular inflows of around PLN 1,000 per month (ideally a salary) and card activity for six consecutive months, rather than a one-off action. This is a bonus for someone who genuinely plans to move their day-to-day finances here for the long term, not for someone counting on quickly withdrawing a bonus and closing the account — Bonus III is, moreover, dependent on successfully meeting the earlier conditions of Bonus I and II, so missing even one month of the required inflow reduces the final bonus amount. As a side note to the promotion, the bank also offers an interest rate of 5.3% per annum on the Moje Cele savings account (up to PLN 50,000, for the first 90 days) — this is a separate product, but its balance is one of the bonus conditions, so opening a savings account alongside eKonto is, in practice, necessary to obtain the full PLN 910.

Who it's for

eKonto możliwości will work well as a basic account for day-to-day finances for people who want a free account with no hidden fees for maintenance, the card, or external transfers. The absence of fees and the free card make it a sensible choice for someone looking for a simple "starter" account — for withdrawals, card payments, BLIK, and everyday transfers, with no need to watch for conditions that waive a fee.

The current edition of the promotion with the PLN 910 bonus, according to the terms visible on the campaign page, is aimed at people aged 18–24 — this suggests it is an offer profiled for younger customers, even though the general age requirement for the account in our database is only 18 and over, with no upper limit. People outside this age range should check directly on the bank's website whether they qualify for this particular edition of the promotion before counting on the full PLN 910 — the account itself (without the bonus) remains available and free regardless of age above 18.

How to open the account

The account can be opened fully remotely, online or via the mobile app, with no branch visit. Identity verification is done using the selfie and e-ID method — which is at the same time one of the conditions for Bonus III described above, so choosing this account-opening path has a direct effect on the bonus amount. After opening the account and activating the card, simply start using the account normally in line with the promotion's conditions — ensuring regular inflows and making card transactions — to successively unlock the individual bonus stages over the next six months.

Pros and cons

• Zero fees for maintaining the account and the card, with no waiver conditions
• Free external transfers with no limit
• Free cash withdrawals domestically and abroad
• BLIK, Google Pay, Apple Pay, and cashback as standard
• The account can be opened fully remotely, via the selfie/e-ID method

• The bonus is spread across as many as 5 stages over 6 months — harder to obtain in full than the headline PLN 910 suggests
• The full bonus requires regular inflows of around PLN 1,000 per month, not a one-off action
• Part of the bonus (Bonus III) requires previously meeting earlier stages — missing one month reduces the final amount
• The current promotion appears to be profiled for customers aged 18–24 — worth verifying availability outside this group

Summary

eKonto możliwości is a solid, completely free basic account — with no fees for maintenance, the card, withdrawals, or external transfers, which alone makes it a sensible everyday choice, regardless of whether the promotion is used. The advertised bonus of up to PLN 910 is real, but spread across five conditions and six months of regular activity — this is an offer for people who genuinely plan to use the account long-term and maintain regular inflows into it, not just collect a one-off bonus and close the account.