mBank vs ING — Which Personal Account to Choose in 2026?

Two Giants of Polish Banking

mBank and ING Bank Śląski are the two most frequently compared banks in Poland — and for good reason. Both focus on modernity, have advanced mobile applications, and offer accounts without fees (after meeting conditions). However, they differ in details that can be decisive for many customers.

In this comparison, we analyze both banks in terms of daily use, fees, savings offers, and service quality — all in the realities of 2026.

Personal Account — Fees and Conditions

mBank — eAccount

mBank has consistently positioned itself as an internet bank for years. eAccount is their flagship product:

• Account maintenance: 0 PLN (no conditions)
• Debit card: 0 PLN with at least one card transaction monthly (otherwise 7 PLN)
• ATM withdrawals: free at all ATMs in Poland (with active account)
• Transfers: 0 PLN for domestic transfers and BLIK

mBank's great advantage is simplicity — you don't need to meet additional conditions to avoid account fees.

ING — Direct Account / Mobi Account

ING offers two variants of personal accounts:

• Account maintenance: 0 PLN (after meeting condition of min. 1,000 PLN inflow or with active "My ING" service)
• Debit card: 0 PLN with at least 5 card or BLIK transactions monthly (otherwise 9 PLN)
• ATM withdrawals: free at Planet Cash network and ING ATMs; from others — fee
• Transfers: 0 PLN for domestic transfers

ING sets slightly higher activity requirements, but in exchange gives access to a broader investment offer directly from the app level.

Mobile Application

mBank

mBank's application is one of the best-rated on the Polish market. The interface is clear, fast, and regularly updated. Key features:

• Expense categorization
• Quick transfers and BLIK
• Card management (freezing, limits)
• Access to credit and savings offers
• Real-time push notifications

ING — My ING

"My ING" application underwent thorough modernization and in 2026 no longer lags behind the competition:

• Intuitive dashboard with financial summary
• Integration with ING brokerage account
• Automatic saving (transaction rounding)
• Built-in access to investment funds
• Detailed expense analysis

Both applications are at a very high level. mBank is slightly faster in daily use, while ING offers better integration with investment products.

Savings Offer

mBank

• Savings account: standard interest rate about 3.5–4% (variable, depends on promotions)
• Term deposits: from 3 months to 12 months, interest rate 3.5–5% depending on term and promotions
• Regular saving: "Savings goal" option with automatic transfers

ING

• "Open Savings Account": interest rate about 4–5% for new funds (for first months), then standard 3–3.5%
• Term deposits: similar conditions to mBank, with periodic promotions for higher rates
• Automatic saving: transaction rounding option — change goes to savings account

ING traditionally offers slightly better interest rates for new clients and new funds. mBank focuses on simplicity and no asterisks in terms.

Payment Cards

Both banks offer Visa and Mastercard. Differences:

Card differences are minimal — both banks offer modern payment solutions.

Credit Offer

Personal Loan

mBank is known for fast credit decisions — often results in minutes. ING also offers fast online processes, but sometimes requires additional verification.

Mortgage

Both banks actively participate in the mortgage market. mBank has some of the lowest margins on the market, while ING offers flexible early repayment conditions.

In both cases, it's worth comparing the total cost of credit (APR), not just the margin or nominal interest rate.

Customer Service

mBank relies mainly on online and telephone service — there are relatively few physical branches. ING has more branches in large cities, which may matter for those preferring personal contact.

In terms of chat and helpline, both banks perform comparably — average waiting time is a few minutes, and consultants are competent.

For Whom mBank?

mBank will work better if you:

• Value simplicity — no conditions for using the account
• Prefer fully online banking model
• Care about fast credit decisions
• Don't need a physical branch

For Whom ING?

ING will be a better choice when you:

• Want to have investments and account in one place
• Use promotional offers for higher interest rates
• Prefer to have access to a branch when needed
• Are interested in automatic saving and expense analytics

Summary — mBank vs ING

Both banks are solid choices. mBank wins with simplicity, ING — with comprehensive offer.

How Freenance Can Help

Regardless of which bank you choose, the key is tracking your finances in one place. Freenance allows you to import transactions from multiple banks, automatically categorize expenses, and analyze where your money goes.

Instead of comparing banks endlessly — start consciously managing what you have. Try Freenance for free →