Summary: mBank customers can’t buy crypto directly through their accounts, but they can send PLN to regulated exchanges that meet KNF standards. This opens the door to safe and legal crypto investing in Poland.
Bybit stands out for its fast PLN deposits, zero transaction fees, and access to nearly 1,000 tokens. It’s fully translated into Polish and offers support for both new and experienced investors.
- Instant and free Polish Zloty (PLN) deposits from any bank, debit or credit card.
- Buy 940+ cryptocurrencies with low fees (0.1%) through spot and futures trading.
- Regulated and trusted exchange with over 18 million users worldwide.
Can I Buy Bitcoin with mBank?
Yes, mBank allows customers to send PLN to licensed crypto exchanges that operate within Polish regulations. This gives users a legal and secure way to invest in digital assets like Bitcoin and Ethereum.
While mBank doesn’t offer crypto trading itself, it supports bank transfers to third-party platforms. Choosing an exchange regulated by the Polish Financial Supervision Authority (KNF) is key to staying compliant and protected.
How to Buy Crypto with mBank
mBank customers can buy crypto by sending PLN to a regulated exchange like Bybit. It’s a secure option that supports multiple funding methods, including bank transfers, cards, SEPA, and Przelewy24.
Once your deposit is complete, you can trade popular tokens like Bitcoin, Ethereum, Tether, or Arbitrum. All these come with low fees and a smooth user experience.
Follow these four steps to get started:
- Open an Account: Sign up on Bybit and complete identity verification.
- Choose Payment Method: Go to 'Buy Crypto' and pick a funding option that works with your mBank account.
- Select PLN & Deposit Option: Choose PLN and your preferred payment method (e.g., Przelewy24 or bank transfer).
- Complete the Trade: Pick your crypto, enter the amount, and click 'Buy' to finalize the transaction.
mBank Cryptocurrency Policy
mBank doesn’t let customers buy or sell crypto directly, but it does allow PLN transfers to regulated exchanges. This gives users a secure way to invest in digital assets without stepping outside the traditional banking system.
The bank’s approach reflects Poland’s cautious but open approach to crypto. By supporting transfers to licensed platforms, mBank helps customers access the market while staying aligned with national financial laws.
To protect your funds and personal data, it’s best to use exchanges regulated by the Polish Financial Supervision Authority (KNF). Platforms like Bybit meet these standards and provide full transparency.
Digital Asset Investing Fees
If you're using mBank to invest in crypto, it helps to know what fees to expect. Here’s a quick breakdown so you can plan ahead.
- Deposit Fees: mBank usually doesn’t charge for PLN transfers via bank transfer or Przelewy24. Just keep an eye out for exchange rate fees if you're trading in other currencies.
- Spreads: Most platforms build in a small spread, often around 1%. That’s the difference between the buy and sell price. Tighter spreads usually mean better deals.
- Withdrawal Fees: Pulling your funds back into your mBank account typically costs no more than 50 PLN, depending on the exchange.
Using mBank with a trusted exchange like Bybit means fast transfers, low fees, and a smooth, secure investing experience.
What is mBank?
mBank is one of Poland’s most established digital-first banks, originally launched as a fully online service in 2000. Today, it serves millions of customers with a strong presence in personal, business, and corporate banking.
It’s known for blending advanced technology with everyday banking. Its customers enjoy services like instant payments, investment tools, and seamless loan applications, all from a mobile-first platform.
What really sets mBank apart is its focus on smart automation and user experience. Its digital infrastructure supports fast, secure transactions, which is especially valuable for customers funding crypto exchanges or managing cross-border payments.
Best Alternative Crypto Exchanges for mBank Users
While Bybit is our top pick for mBank customers, there are other trusted platforms that support PLN and meet high regulatory and security standards.
- Binance: Offers PLN support through P2P and card deposits. Great for experienced traders looking for advanced tools and a wide token selection.
- Kraken: Known for strong compliance and transparency. Supports EUR bank transfers and is ideal for users with access to multi-currency accounts.
- Zonda: A Polish-based exchange regulated by the KNF. It offers local payment options and a simple interface for beginners.
Each exchange has its strengths. Choose one that fits your comfort level, preferred payment method, and crypto goals.
Final Thoughts
If you bank with mBank and want to step into crypto, you don’t need to switch banks; just connect to a regulated exchange. The setup is simple, secure, and works smoothly with PLN.
Bybit makes the most of that connection. With fast deposits, low fees, and support in Polish, it’s designed to meet the needs of investors in Poland, whether you're trading, staking, or just exploring NFTs.
Co-Founder & former Investment Banker (Finance MBA) turned Full-Time analyst and Head of Research at Buy Bitcoin Bank. Left traditional finance to pursue my interest in digital assets and decentralized finance.
