Amendments to the Regulations on Opening, Holding and Closing an Integrated Bank Account

We updated the rules for executing domestic and foreign payments, mass transfers, postal orders as well as payment orders and collections on behalf of third parties executed by payment service providers and their agents:
<ol>
<li>the updated rules are provided in Appendix No. 2 to the Regulations &ldquo;Rules for Executing Payments at mBank&rdquo;,</li>
<li>the appendix provides details about, among others</li>
</ol>
<ul>
<li>types of payments executed at mBank,</li>
<li>data required for the execution of payment orders,</li>
<li>current links to websites featuring, among others, the payment order execution schedule,</li>
<li>rules for suspending or rejecting the execution of payment orders by mBank.</li>
</ul>
In Part I of the Regulations:
<ul>
<li>we deleted the definition of the number of employees from the provisions concerning the statement on the number of employees; the new definition is provided on mBank&rsquo;s website dedicated to <a title="FINREP" href="https://www.mbank.pl/en/help/finrep/">FINREP</a> (Article 67).</li>
</ul>
In Part II of the Regulations:
<ul>
<li>we deleted the chapters dedicated to the rules of settling domestic payments, foreign payments and postal orders.</li>
</ul>
The amended wording of the Regulations has been published in the <a title="Forms and Regulations section" href="https://www.mbank.pl/en/help/forms/sme-corporate/bank-accounts/">Forms and Regulations section</a>.

Amendments to the Regulations on Opening, Holding and Closing Bank Accounts at mBank S.A.

We made the following amendments:
<ul>
<li>we updated the rules for executing domestic and foreign payments, mass transfers, postal orders as well as payment orders and collections on behalf of third parties executed by payment service providers and their agents:</li>
</ul>
<ol>
<li>the updated rules are provided in Appendix No. 2 to the Regulations &ldquo;Rules for Executing Payments at mBank&rdquo;,</li>
<li>the appendix provides details about, among others:</li>
</ol>
a. types of payments executed at mBank, b. data required for the execution of payment orders, c. current links to websites featuring, among others, the payment order execution schedule, d. rules for suspending or rejecting the execution of payment orders by mBank,
<ul>
<li>we added a provision saying that if you intend to deposit funds subject to protection under generally applicable laws, you must notify us about this and meet the conditions set out in the Regulations (Article 5 (7)),</li>
<li>we clarified that you must notify us immediately about any changes to the Specimen Signature Card (Article 16, Article 23), and that non-residents must confirm data changes in accordance with the rules set out in the Regulations (Article 16),</li>
<li>we specified the scope of a general power of attorney within the meaning of the Regulations by clarifying that an attorney-in-fact has the right to use the funds in an account to the same extent as the customer (Article 18 (1)),</li>
<li>we clarified that if you want to grant a power of attorney to use the funds in your bank account by correspondence, you must provide the bank with a written power of attorney with notarised signatures and copies of identity documents notarised as true copies (Article 20 (1) (2)),</li>
<li>we modified the examples of important reasons authorising the bank to terminate a bank account agreement (Article 58 (2)):</li>
</ul>
<ol>
<li>we reworded Article 58 (2) (10) to indicate that a bank account agreement may be terminated if liquidation or enforcement proceedings were initiated against the customer, or if the customer is at risk of insolvency,</li>
<li>we added a new reason in Article 58 (2) (22) reading &ldquo;the Payment Service Provider&rsquo;s licence was revoked&rdquo;,</li>
</ol>
<ul>
<li>we deleted the definition of the number of employees from the provisions concerning the statement on the number of employees; the new definition is provided on mBank&rsquo;s website dedicated to <a title="FINREP" href="https://www.mbank.pl/en/help/finrep/">FINREP</a> (Article 67),</li>
<li>we added a provision that we can sign termination notices, statements of intent and knowledge, and notifications:</li>
</ul>
<ol>
<li>using a qualified electronic signature, or</li>
<li>in the case of statements of intent and knowledge, and notifications related to banking activities, using an advanced electronic seal of the bank or a qualified electronic seal of the bank (Article 75).</li>
</ol>
The amended wording of the Regulations has been published in the <a title="Forms and Regulations section" href="https://www.mbank.pl/en/help/forms/sme-corporate/bank-accounts/">Forms and Regulations section</a>.

Amendments to the Regulations mBank S.A. Internet Customer Service System mBank CompanyNet

We made the following amendments:
<ul>
<li>we updated the rules for executing domestic and foreign payments, mass transfers, postal orders as well as payment orders and collections on behalf of third parties executed by payment service providers and their agents:</li>
</ul>
<ol>
<li>the updated rules are provided in Appendix No. 2 to the Regulations &ldquo;Rules for Executing Payments at mBank&rdquo;,</li>
<li>the appendix provides details about, among others:</li>
</ol>
a. types of payments executed at mBank, b. data required for the execution of payment orders, c. current links to websites featuring, among others, the payment order execution schedule, d. rules for suspending or rejecting the execution of payment orders by mBank,
<ul>
<li>in the regulations we deleted the chapters dedicated to the rules of settling domestic payments, foreign payments and postal orders.</li>
</ul>
<a title="We have published the amended document in the forms and regulations section." href="https://www.mbank.pl/en/help/forms/sme-corporate/electronic-banking/">We have published the amended document in the forms and regulations section.</a>.&nbsp;

New design of the mBank CompanyNet login page   EN/DE

<h3>What will stay the same? &nbsp;</h3>
<ul>
<li>the URL of the mBank CompanyNet login page, &nbsp;</li>
<li>the way you log in to the system, &nbsp;</li>
<li>the design of online banking pages after logging in, &nbsp;</li>
<li>the mobile app design and login method. &nbsp;</li>
</ul>
Remember. mBank does not send to the new mBank login page! If you receive such links via email, SMS, or messaging apps, be cautious &ndash; they are not from mBank. Do not click on those links or log in through such pages.  &nbsp;
Note. How to securely log in to the bank? <a href="https://www.mbank.pl/en/security/secure-log-in">Click here to find out more: How to securely log in to mBank? </a>&nbsp;
<h3>&nbsp;</h3>
<h3>Wir &auml;ndern das Design der Login-Seite f&uuml;r mBank CompanyNet   &nbsp;</h3>
 Wir vereinheitlichen das Design aller Login-Seiten von mBank, einschlie&szlig;lich der Transaktionsplattform mBank CompanyNet. In der zweiten Julih&auml;lfte werden wir eine neue visuelle Version der Login-Seite des Systems bereitstellen. 
<h3>Was &auml;ndert sich? &nbsp;</h3>
das Design der Login-Seite f&uuml;r den Transaktionsservice. &nbsp;
<h3> Was bleibt gleich? &nbsp;</h3>
<ul>
<li>die Webadresse der Login-Seite f&uuml;r mBank CompanyNet, &nbsp;</li>
<li>die Art und Weise der Anmeldung im Online-Banking, &nbsp;</li>
<li>das Design des Transaktionsservices nach dem Login, &nbsp;</li>
<li>das Design und der Anmeldeprozess in der mobilen App. &nbsp;</li>
</ul>
Wichtig. Wir versenden keine Links zur neuen mBank-Login-Seite! Wenn Sie solche Links per E-Mail, SMS oder &uuml;ber Messenger-Dienste erhalten, seien Sie vorsichtig &ndash; diese Nachrichten kommen nicht von der mBank. Klicken Sie nicht auf solche Links und melden Sie sich nicht &uuml;ber diese Seiten an.  &nbsp;
Wichtiger Hinweis. Klicken Sie hier, um zu erfahren, wie Sie sich sicher bei der Bank einloggen: <a title="So loggen Sie sich sicher bei der mBank ein" href="https://www.mbank.pl/en/security/secure-log-in">So loggen Sie sich sicher bei der mBank ein</a>.

We change and update corporate card regulations

Check what&rsquo;s changing.
Terms and Conditions for Corporate Debit Cards:
<ul>
<li>We may refuse to authorize a transaction if it could violate international sanctions or the provisions of the Anti-Money Laundering and Counter-Terrorism Financing Act (&sect; 23 sec. 1 point 7),</li>
<li>We have specified how to activate the card so that it can be automatically renewed (&sect; 30 sec. 4),</li>
<li>We have removed the provisions regarding cut-off times (&sect; 35 sec. 6 and 7),</li>
<li>We have updated the website address (&sect; 41 sec. 3),</li>
<li>We may ask the card user to send us a copy of correspondence with the service provider when disputing a transaction (&sect; 48 sec. 1 point 6). We have also described where to find the documents required to file a transaction complaint (&sect; 48 sec. 3),</li>
<li>We have updated the provision regarding the client's liability for card usage (&sect; 54 sec. 1 point 2 letter b),</li>
<li>We have changed the provisions on how we will notify you about changes to the regulations (&sect; 63 sec. 2, 3, 4, and 9),</li>
<li>We have described when we may terminate the corporate card agreement (&sect; 65 point 11),</li>
<li>We have clarified which law we are referring to (&sect; 64 sec. 3),</li>
<li>We have made editorial changes (&sect; 18 sec. 3 and &sect; 20 sec. 1).</li>
</ul>
Terms and Conditions for Corporate Payment Cards:
<ul>
<li>We may refuse to authorize a transaction if it could violate international sanctions or the provisions of the Anti-Money Laundering and Counter-Terrorism Financing Act (&sect; 24 sec. 1 point 7),</li>
<li>We have updated the website address where we publish information about changes to the Tariff and regulations (&sect; 47 sec. 3),</li>
<li>We have added that we may ask the card user to send us a copy of correspondence with the service provider when disputing a transaction (&sect; 57 sec. 1 point 6). We have also described where to find the documents required to file a transaction complaint (&sect; 57 sec. 3),</li>
<li>We have updated the provision regarding the client's liability for card usage (&sect; 62 sec. 1 point 2 letter b),</li>
<li>We have changed the provisions on how we will notify you about changes to the regulations (&sect; 71 sec. 2, 3, 4, and 9),</li>
<li>&nbsp;We have described when we may terminate the corporate card agreement (&sect; 73 point 11),</li>
<li>We have clarified which law we are referring to (&sect; 72 sec. 3),</li>
<li>We have made editorial changes (&sect; 50 point 8), including changes to the wording of &sect; 26 sec. 2.</li>
</ul>
Rules of Using Corporate Payment Cards on Mobile Devices at mBank S.A.:
<ul>
<li>We have updated the website address where we publish information about changes to the regulations (Chapter X sec. 2, 7),</li>
<li>We have added a provision stating that the client is obliged to review the updated regulations within 14 days of receiving them (Chapter X sec. 6).</li>
</ul>
The updated regulations come into effect on August 1, 2025.
Document Summary:
<ul>
<li>Terms and Conditions for Corporate Debit Cards</li>
<li>Terms and Conditions for Corporate Payment Cards</li>
</ul>
Rules of Using Corporate Payment Cards on Mobile Devices at mBank S.A.
If you have any questions, please contact the Customer Service Center.

Changes in the Tariff of Banking Fees and Commissions of mBank for SME and Corporates

The key changes include:
<ul>
<li>adding a fee for processing a resident&rsquo;s bank account application not submitted electronically,</li>
<li>adding a fee for concluding an amendment or for amending Appendix No. 2 to the bank account agreement in writing or electronically outside mBank CompanyNet,</li>
<li>cancelling the monthly fee for electronic access to postal money order receipt confirmations,</li>
<li>increasing the fee for cash deposits made via Mobile Deposit &ndash; % of the deposited amount,</li>
<li>aligning the fees for withdrawals made within standard and non-standard timeframes,</li>
<li>aligning the fees for issuing every night safe card,</li>
<li>specifying the provisions connected with open and closed withdrawals at branches or in sorting offices, and changing the cut-off times for withdrawal requests,</li>
<li>changing the product name from &lsquo;Collect&rsquo; to &lsquo;Collect &ndash; analytical accounting&rsquo;, and from &lsquo;Mass Collect&rsquo; to &lsquo;Collect &ndash; aggregate accounting&rsquo;,</li>
<li>changing the service name from &lsquo;SWIFT MT 101&rsquo; to &lsquo;Transfer Order Service&rsquo;,</li>
<li>deleting additional information on domestic and foreign transfer settlements.</li>
</ul>
<a title="List of changes" href="https://www.mbank.pl/pdf/informacje/wykazy-zmian/tariff-msp-01-07-2025.pdf">List of changes</a> <a title="Tariff of Banking Fees and Commissions of mBank for SME and Corporates (valid as of 1st July 2025)" href="https://www.mbank.pl/pdf/oplaty/2025/tariff-sme-corpo-07-01-2025.pdf">Tariff of Banking Fees and Commissions of mBank for SME and Corporates (valid as of 1st July 2025)</a>

Get funding for building an energy storage facility!

Apply for funding to the National Fund for Environmental Protection and Water Management &nbsp;(NFOŚiGW) under the program "Electric energy storage facilities and related infrastructure for improving the stability of the Polish power grid" financed from the Modernization Fund. The budget for this program amounts at PLN 4 150 000 000 of which up to PLN 3 735 000 000 in the subsidy form.&nbsp;
 who is it for?
<ul>
<li>entrepreneurs implementing or planning investments in electric energy storage facilities connected to the power grid</li>
<li>with a capacity of at least 2 MW and</li>
<li style="font-weight: bold;">a storage capacity of at least 4 MWh</li>
<li>additionally, they want to receive funding for the grid connection and accompanying infrastructure, as well as the configuration and adaptation of the storage facility</li>
</ul>
what do you gain?
<ul>
<li>subsidy covering significant part of investment costs:</li>
<li>65% for micro/small enterprises</li>
<li>55% for medium enterprises</li>
<li>45% for large enterprises</li>
<li>possibility of combining subsidy with a bank loan</li>
<li>support from mBank experts &ndash; we will evaluate your project and propose the optimal financing structure</li>
</ul>
why is it worth it?
<ul>
<li>funding increases the economic viability of building an energy storage facility</li>
<li>it allows you to undertake a larger investment</li>
<li>it helps you optimize electric energy use</li>
<li>you gain a competitive advantage</li>
</ul>
when?
<ul>
<li>you can submit your application for funding to NFOŚiGW by May 30, 2025</li>
<li>the eligibility period for expenses is: March 9, 2023 &ndash; December 31, 2028</li>
</ul>
To combine the subsidy with an <a title="EU loan" href="https://www.mbank.pl/msp-korporacje/fundusze-unijne/kredyt-ue/">EU loan</a>, contact an mBank advisor. If you plan to finance requested private &ldquo;own contribution&rdquo; with a bank loan, you must attach a loan commitment to your proposal. More information about this call for proposals can be found on the <a title="NFOŚiGW website" href="https://www.gov.pl/web/funduszmodernizacyjny/magazyny-energii-elektrycznej-i-zwiazana-z-nimi-infrastruktura-dla-poprawy-stabilnosci-polskiej-sieci-elektroenergetycznej2">NFOŚiGW website</a>.
&nbsp;
 Legal notice&nbsp; This material is for informational purposes only and is disseminated for the purpose of advertising and promoting the services of mBank S.A. and cannot be treated as a binding commitment of any person, including mBank S.A., for any reason. This material is not an offer within the meaning of Article 66 of the Civil Code of April 23, 1964, nor does it constitute a general recommendation or a recommendation prepared based on the needs and situation of the client, regarding transactions and financial instruments.

Handling EURO transactions on Good Friday

Please be informed that according to the schedule, settlements in EUR executed using euro zone settlement systems will not be made on 18 April 2025 (Good Friday).&nbsp;
Transactions in EUR with the value date falling on 18 April 2025 will be postponed to the next business day, i.e. 22 April 2025.
Transactions in PLN will be executed as usual and during standard hours.

Evaluate the cooperation, services and products offered by mBank in Euromoney survey

It will give you an opportunity to express your opinion on the quality of financial services offered by mBank. The <a title="survey" href="https://research.euromoney.com/jfe/form/SV_0lKt6m5XJM7ab5Q">survey</a> takes about 15 minutes to complete and will be available till 08 June 2025.&nbsp;
Your votes in 2024 earned us the title of &ldquo;Poland's best bank for cash management technology&rdquo; in the Euromoney Cash Management Survey 2024!&nbsp;
Your vote matters to us! Please spare a moment of your time to express your opinion on our services.&nbsp;

news

Amendments to the Regulations on Opening, Holding and Closing an Integrated Bank Account

Amendments to the Regulations on Opening, Holding and Closing Bank Accounts at mBank S.A.

Amendments to the Regulations mBank S.A. Internet Customer Service System mBank CompanyNet

New design of the mBank CompanyNet login page   EN/DE

We change and update corporate card regulations

Changes in the Tariff of Banking Fees and Commissions of mBank for SME and Corporates

Get funding for building an energy storage facility!

Handling EURO transactions on Good Friday

Evaluate the cooperation, services and products offered by mBank in Euromoney survey

search results

news

Amendments to the Regulations on Opening, Holding and Closing an Integrated Bank Account

Amendments to the Regulations on Opening, Holding and Closing Bank Accounts at mBank S.A.

Amendments to the Regulations mBank S.A. Internet Customer Service System mBank CompanyNet

New design of the mBank CompanyNet login page EN/DE

We change and update corporate card regulations

Changes in the Tariff of Banking Fees and Commissions of mBank for SME and Corporates

Get funding for building an energy storage facility!

Handling EURO transactions on Good Friday

Evaluate the cooperation, services and products offered by mBank in Euromoney survey

search results

New design of the mBank CompanyNet login page   EN/DE