Rates applied today
Cost in PLN per unit of foreign currency when paying or converting with mBank, against the market reference.
| Operation | Currency | 1 × in PLN | vs reference | Status |
|---|---|---|---|---|
| Card | USD | 3.9348 | +5.90% | fresh |
| Card | EUR | 4.5821 | +5.90% | fresh |
| Card | GBP | 5.3442 | +5.90% | fresh |
| Transfer | USD | 3.9073 | +3.00% | fresh |
| Transfer | EUR | 4.4451 | +3.00% | fresh |
| Transfer | GBP | 5.2076 | +3.00% | fresh |
Published card fee
By published card fee, mBank ranks #9 of 10 banks open to new customers that we track in Poland today.
Bank Pocztowy publishes the lowest card fee in Poland today: 0% (vs mBank's 5.9%). See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: read from the bank's own published exchange board.
Compare mBank with every bank in the country on the daily Poland table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does mBank use?
mBank prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does mBank charge for card payments abroad?
mBank publishes a 5.9% foreign-transaction fee on card payments, verified 2026-06-26.
Is there a cheaper bank than mBank in Poland?
Yes — as of today, Bank Pocztowy publishes the lowest card fee (0%) among banks open to new customers that we track in Poland.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.