Domestic payments for accounts serviced in the SMEs and corporate area
Settlement of transfers between banks takes place in KIR S.A. in following three incoming sessions:
| 1st session |
10:30 am – 11:00 am |
| 2nd session |
2:30 pm – 3:00 pm |
| 3rd session | 5:00 pm – 5:30 pm |
Note! The hours provided are hours, when KIR S.A. presents files for settlement. From the moment of substituting files, the banking system processes and uploads the data, the time of which depends on the size of a file received for a given session.
The mode of executing payment orders placed on-line through the electronic banking system mBank CompanyNet, BRESOK, MultiCash and SWIFTNET Korpo
Non-business days are Saturdays, Sundays and holidays.
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Order type |
Execution mode |
Outgoing sessions at mBank |
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ELIXIR1 outgoing domestic payment orders |
*Orders given the “authorised” status until 8:00 am ** Orders given the “authorised” status until noon |
Outgoing sessions at mBank
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ZUS orders (payments to the Social Insurance Institution) |
*Orders given the “authorised” status until 8:00 am ** Orders given the “authorised” status until noon |
Outgoing sessions for ZUS orders at mBank:
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US orders (tax payments to the Tax Office) |
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Outgoing sessions for US orders at mBank:
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SORBNET22 outgoing payment orders |
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Internal payment orders at mBank S.A. |
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Mass Transfer Plus/Mass Transfer orders |
NOTE: We do not execute US orders in the form of Mass Transfers |
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Express Credit Transfer order (Express ELIXIR) |
Both mBank S.A. (the ordering party’s bank) and the beneficiary’s bank must be simultaneously available in the Express ELIXIR system for an order to be executed. mBank S.A is available in the Express ELIXIR system between 8:00 am and 8:00 pm. Express credit transfer orders are executed in accordance with the principles of executing express transfer orders. |
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Blue Cash Express Credit Transfer order |
Both mBank S.A. (the ordering party’s bank) and the beneficiary’s bank must be simultaneously available in the Blue Cash Payment System for an order to be executed. mBank S.A is available in the Blue Cash Payment System between 8:00 am and 8:00 pm. Blue Cash Express Credit Transfer orders are executed in accordance with the principles of executing express transfers. |
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Direct debit |
Direct debits are executed in accordance with the Rules on Executing Direct Debits. The cut-off time for submitting direct debit orders on every business day for the bank is 8:00 pm. |
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Postal order – orders submitted via the online electronic banking system mBank CompanyNet or the BRESOK system |
Postal orders are accepted on every business day for the bank (D) until 8:00 pm and transmitted to the Postal Operator for execution on the next business day (D+1). Orders submitted after 8:00 pm on a business day (D) are processed on the next business day (D+1) in accordance with the principles applicable to the remaining orders and sent for execution to the Postal Operator on the following business day (D+2). Orders accepted for execution by the bank on a non-business day are executed on the next business day for the bank (D) and sent for execution to the Postal Operator on the following business day (D+1). |
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Mode of execution of payment orders in a paper form
| Type of order | Mode of execution | Outgoing sessions at mBank |
| Outgoing domestic payment orders ELIXIR1 |
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Outgoing sessions at mBank:
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| Payment orders to the Social Insurance Institution (ZUS) |
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Outgoing sessions at mBank:
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| Payment orders to the Tax Office |
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Outgoing sessions at mBank:
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| Outgoing payment orders SORBNET22 |
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| Internal payment orders of mBank S.A. |
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1 ELIXIR - operating within the National Clearing House interbank system is an agent in the electronic exchange of messages on payment orders and liabilities. It is a net clearing system in PLN, where the orders are issued for booking on the accounts of banks as a result of compensation of mutual debts and liabilities of banks resulting from individual orders of clients. The system is an agent in the exchange of: credit orders, proofs of payment, direct debits.
2 SORBNET2 – a settlement system in PLN servicing payment orders executed in current accounts of banks maintained by the NBP Head Office Payment Service Department. SORBNET2 makes it possible to make large-value transfers in real time. Payment orders in PLN for an amount of one million and more (excluding transfers to the Social Insurance Institution and tax payments), must be executed by the Bank through SORBNET2 settlement system.