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;

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

In Part I of the Regulations:
<ul>
<li>we&rsquo;ve 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&rsquo;ve clarified that you must notify us immediately about any changes to the Specimen Signature Card (Article 15, Article 22), and that non-residents must confirm data changes in accordance with the rules set out in the Regulations (Article 15),</li>
<li>we&rsquo;ve 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 17 (1)),</li>
<li>we&rsquo;ve clarified that if you want to grant a power of attorney to use the funds in your bank account by correspondence, you must submit a written power of attorney with notarised signatures and copies of identity documents notarised as true copies to the bank (Article 19 (1) (2));</li>
<li>we&rsquo;ve added information about changes in cash services. To use cash services, you must submit an Application for Cash Services to the bank along with the relevant declarations. We provide cash services, including closed cash deposits and withdrawals, on the terms and conditions set out in the Regulations for Cash Services and in the Regulations (Article 41);</li>
<li>we&rsquo;ve modified the examples of important reasons authorising the bank to terminate a bank account agreement (Article 59): 1. we&rsquo;ve reworded Article 59 (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, 2. we&rsquo;ve added a new reason in Article 59 (2) (22) reading &ldquo;the Payment Service Provider&rsquo;s licence was revoked&rdquo;,</li>
<li>we&rsquo;ve added a provision that we can sign termination notices, statements of intent and knowledge and notifications: 1. using an electronic signature, or 2. 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 76).</li>
</ul>
 In Part II of the Regulations:&nbsp;
<ul>
<li>we&rsquo;ve updated the chapters &ldquo;Special Rules for Execution of Orders in the Cash Module&rdquo; and &ldquo;Special Rules for Execution of Postal Orders&rdquo;,</li>
<li>we&rsquo;ve added a provision that we can sign statements of intent and knowledge and notifications: 1. using an electronic signature, or 2. 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 89),</li>
<li>we&rsquo;ve removed appendix no. 4 to the mBank CompanyNet System Customer&rsquo;s Access Rights Card &ldquo;Instruction to allocate/modify/remove the rights to use the website https://upload.mbank.pl/upload/ and displays of confirmation of receipt documents under postal orders&rdquo;.&nbsp;</li>
</ul>
We have published the amended document 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>.&nbsp;

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

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

Here&rsquo;s a brief overview of the amendments:
<ul>
<li>we&rsquo;ve updated the chapters &ldquo;Special Rules for Execution of Orders in the Cash Module&rdquo; and &ldquo;Special Rules for Execution of Postal Orders&rdquo;;</li>
<li>we&rsquo;ve added a provision that we can sign statements of intent and knowledge and notifications: 1. using an electronic signature, or 2. 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 87);</li>
<li>we&rsquo;ve removed appendix no. 4 to the mBank CompanyNet System Customer&rsquo;s Access Rights Card &ldquo;Instruction to allocate/modify/remove the rights to use the website https://upload.mbank.pl/upload/ and displays of confirmation of receipt documents under postal orders&rdquo;.&nbsp;</li>
</ul>
 We have published the amended document in the forms and <a title="forms and regulations section" href="https://www.mbank.pl/en/help/forms/sme-corporate/electronic-banking/">forms and regulations section</a>.&nbsp;

mBank Group Sustainability Report for 2024 is now available!  

This is the first report that we have prepared in accordance with the Corporate Sustainability Reporting Directive (CSRD). We are proud to present the progress of our strategy in the environmental, social and corporate governance dimensions, also highlighting the biggest challenges.
Sustainable development is a key component of a strong, competitive and modern economy. As one of the largest financial institutions in Poland, we engage financial and intellectual capital, as well as technology to support our clients in their activities on the path towards sustainable development. We make every effort to ensure that mBank Group is a safe and inclusive workplace where our employees feel appreciated and are offered equal opportunities for professional development. We have based our organizational culture and operations on the principles of corporate governance that takes into account the issues of sustainable development. The double materiality assessment process carried out in 2024 helped us to better understand not only how the external environment affects us and what risks and opportunities this generates for our business, but also what impacts our operations have on the Group's key stakeholders and the natural environment.
We encourage you to read the report, from which you will learn, amongst others, that:
<ul>
<li>We finance environmentally sustainable projects. mBank's portfolio of investments in renewable energy sources reached PLN 4.8 billion, and under the current strategy we have already provided PLN 7.6 billion of sustainable financing, additionally mobilising PLN 8.5 billion of capital on the financial market. Sales of mortgages on properties with low energy demand (NZEB-10% standard) increased in 2024 to over 13% of the total volume of mortgage loans. mBank Group's Green Asset Ratio (GAR), calculated as part of the disclosures of the EU Taxonomy, is one of the highest in the sector!</li>
<li>We calculate the carbon footprint of our Scope 1, 2 and 8 out of 15 Scope 3 categories. We were the first bank in Poland to set science-based decarbonisation targets using the Science-Based Targets initiative (SBTi) methodology.</li>
<li>From 1 January 2025, as many as 50% of investment solutions offered by mTFI promote environmental or social aspects.</li>
<li>Women account for 37.5% of the management bodies of mBank Group's main subsidiaries and 53% share in the succession programme.</li>
<li>In June 2024, together with the United Nations, as part of the UNEP FI initiative, mBank announced the goal of increasing and maintaining the financial resilience and well-being of Poles by supporting the management of expenses and building a financial cushion. The goal by the end of 2025 is to increase to minimum 50% the share of customers who believe they are financially resilient. In 2024, we achieved it by reaching 54%, leveraging the Personal Finance Manager (PFM) tool in our mobile application, which was already used by 1.92 million users at the end of 2024!</li>
<li>We are proud to remain a partner of the Great Orchestra of Christmas Charity (WOŚP) as a sponsor, as well as an institution providing financial support for fundraisers and the foundation itself.</li>
</ul>

We made some cosmetic and minor changes, including:
<ul>
<li>modification in the area of MT940/CAMT statements,</li>
<li>removal of fees and commissions for the Visa Business Prepaid Card (this card is no longer on offer),</li>
<li>correction of certain fees for third-party guarantees and import letters of credit.</li>
</ul>
&nbsp;
<a title="List of changes" href="/pdf/informacje/list-of-changes-in-the-tariff-31.01.2025.pdf">List of changes</a>
<a title="Tariff of Banking Fees and Commissions of mBank for SME and Corporates (valid as of 31 January 2025)" href="/en/help/forms/sme-corporate/tariff-sme-corpo/">Tariff of Banking Fees and Commissions of mBank for SME and Corporates (valid as of 31 January 2025)</a>

news

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

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

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

mBank Group Sustainability Report for 2024 is now available!

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

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