eKonto oszczędnościowe

mBank eKonto oszczędnościowe (Savings Account) - Who Is It For?

eKonto oszczędnościowe is mBank's savings account for people who want to keep surplus funds in an interest-bearing account with access at any time, without locking the money away as with a term deposit. It suits savers who value simplicity and no maintenance fees, but who need to accept that the higher rate applies only to new funds and only during a promotion, and that its level depends on which personal account you hold at mBank.

Interest Rate and Capitalisation

Since 22.10.2026 mBank has been running the promotion "Sezon na oszczędzanie - edycja 15" (Savings Season, edition 15). It pays 4.50% per year on new funds up to PLN 500,000 to mKonto Intensive holders, or 4.10% per year to other customers, for example with eKonto. The rate applies for 90 days from the day you join. You can join until 01.12.2026 or until the promotion's overall limit of PLN 2 billion for all participants runs out, whichever comes first.

The bank counts as new funds the amount by which all your PLN money at mBank exceeds your balance on 15.10.2026, calculated daily. Moving money from another mBank account therefore does not increase the amount covered by the promotion. Outside the promotion, above PLN 500,000 and after the 90 days, the standard rate applies, which mBank states is 0.10% per year. Interest is capitalised monthly.

Terms and Fees

The eKonto oszczędnościowe has no maintenance fee, regardless of balance or activity. The first online transfer each month is free, and the second and every further one costs PLN 9, worth keeping in mind if you plan to move money often. You can use the promotion once, on one savings account of which you are the sole holder, not on a joint account. The rate depends on the personal account you hold at mBank: 4.50% for mKonto Intensive holders, 4.10% for everyone else.

Pros and Cons

Pros

• Promotional rate of up to 4.50% on new funds up to PLN 500,000 (edition 15, join by 01.12.2026)
• No account maintenance fee, with no extra conditions
• Withdrawals without losing interest earned
• Flexible access to funds, no lock-in like a term deposit

Cons

• The top 4.50% rate is only for mKonto Intensive holders; others get 4.10%
• The promotional rate lasts only 90 days and only on new funds, then 0.10%
• Above PLN 500,000 the standard rate applies
• The second and each further transfer in a month costs PLN 9

Summary

mBank's eKonto oszczędnościowe makes sense for people with new money to park for a short time without fees. The 4.50% rate (or 4.10% without mKonto Intensive) is promotional: it lasts 90 days and covers up to PLN 500,000 of new funds, and you have to join by 01.12.2026. Once the promotion ends the rate falls to 0.10%, so for longer-term saving plan ahead where the money goes next.