mBank CZ review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
mBank CZ is a practical choice for Czech customers who want easy-access savings without a monthly charge. Its headline rate of 4.21%, free instant transfers to mKonto and broad support options make it convenient for everyday banking.
Key facts
- Best for
- Czech savers who want easy access, a competitive headline rate and no monthly fee.
- Headline rate
- 4.21%↗
- Rate type
- Variable↗
- Term
- 12 to 120 months↗
- Access terms
- Savings available at any time, free instant transfer to mKonto↗
- Monthly fee
- CZK 0↗
- Account kind
- Easy access↗
- Legal entity
- mBank S.A.↗
- Headquarters
- Czechia↗
- Founded
- 2007↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- mbank.cz
Loans
- APR
- 23.8%↗
- Loan amount
- CZK 10,000 to CZK 1,200,000↗
- Arrangement fee
- 0 CZK - loan granted free of charge↗
- Credit check
- Hard↗
- Funding time
- Within 3 minutes of signing the loan contract↗
- Representative example
- mPůjčka Plus: 80,000 CZK over 96 months at a fixed 4.49% p.a., monthly payment 993.50 CZK, total amount payable 95,517.90 CZK, RPSN 4.59%↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Natural person over 18 with legal capacity, permanent source of income, permanent residence and contact address in the Czech Republic (temporary residence accepted only for citizens of the Slovak Republic), no negative Credit Bureau record↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Credit-line↗
- Use cases
- Home-improvement↗
- Features
- Virtual card, Travel, Multi-currency
Credit cards
Mortgages
- Initial rate
- 5.59%↗
- APRC
- 5.76%↗
- Fixed period
- 3 years↗
- Maximum loan to value
- 90%↗
- Product fee
- CZK 0↗
- Purpose
- Purchase, Remortgage, Buy-to-let↗
Facts checked September 26, 2026, 16 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- The savings account offers a headline rate of 4.21%, with a variable rate type.
- Savings are available at any time, with free instant transfers to mKonto.
- The monthly fee is CZK 0.
- Support is available by phone, chat, email and through the help centre.
Cons
- The savings rate is variable, so the headline rate of 4.21% may change.
- The account is based in the Czech Republic, limiting its clear appeal to Czech customers.
- The headline rate of 4.21% trails Wise at 3.29% and bunq at 3.01%.
Who it suits
- Czech customers who want savings available without fixed-term restrictions.
- Existing mBank CZ users who can make free instant transfers to mKonto.
- Savers who prioritise no monthly charge over a fixed rate.
Who should look elsewhere
- Wise customers who prioritise its headline rate of 3.29%.
- bunq customers who prioritise its headline rate of 3.01%.
- Finteres customers who want its listed headline rate of 0% to 36%.
How mBank CZ compares
9.1 vs 8.0
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.5
9.1 vs 9.4
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9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0- 9.1 vs 8.0
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9.1 vs 8.6
9.1 vs 8.3
9.1 vs 9.5
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9.1 vs 9.0
9.1 vs 9.0
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9.1 vs 8.9
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9.1 vs 8.9- 9.1 vs 8.9
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9.1 vs 8.4- 9.1 vs 8.0
9.1 vs 9.0
Where mBank CZ is available
- Available
- Czechia
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does mBank CZ offer on savings?+
mBank CZ offers a headline savings rate of 4.21%. The rate is variable, which means the advertised figure can change rather than remaining fixed for the life of the account.
Is there a monthly fee for the savings account?+
The mBank CZ savings account has a monthly fee of CZK 0. The account is therefore positioned as a no-monthly-fee product for customers keeping everyday savings alongside their bank accounts.
Can I withdraw from my savings at any time?+
Savings are available at any time, without a fixed access restriction. Customers using mKonto can also make free instant transfers from the savings account to mKonto.
Where is mBank CZ based?+
mBank CZ is headquartered in the Czech Republic, shown by its headquarters country of CZ. The legal entity behind the brand is mBank S.A., making the account most relevant to customers based in the Czech Republic.
How can I contact mBank CZ for support?+
Support is available by phone, chat, email and through a help centre, as listed under phone, chat and email. These channels give customers several ways to ask questions about the savings account and related banking services.
Does mBank CZ also offer other personal finance products?+
mBank CZ offers a broader personal finance range, including personal loans, debt consolidation and a credit line under personal, debt consolidation and credit line. It also offers a credit card, virtual-card features and multi-currency functionality under virtual card, travel and multi currency.
Sources
- mbank.cz checked September 26, 2026
Backs: Card kind
“mKreditka credit card”
- banky.cz/banky/mbank/mkreditka checked September 26, 2026
Backs: Annual fee, Cashback rate, Perks, Rewards rate, Rewards type
“29 Kč (approximately €1) after the first 3 months are free, though waived if monthly spending reaches 4,000 CZK”
- mbank.cz checked September 26, 2026
Backs: Loan types
- mbank.cz checked September 26, 2026
Backs: Purpose
“Mortgages: property purchase, mortgage refinancing, consolidation, land, renovation, investment property”
- mbank.cz/informace-k-produktum/info/uvery/mpujcka-podmink... checked September 26, 2026
Backs: Credit check, Eligibility
- mbank.cz/informace-k-produktum/info/uvery/mpujcka-priklad... checked September 26, 2026
Backs: Representative example
- mbank.cz/informace-k-produktum/sazebnik/osobni-finance/sa... checked September 26, 2026
Backs: Card type
“Typ debitni karty mKarta - mKonto debit card”
- mbank.cz/o-nas/kontakt checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Sidlo spolecnosti mBank S.A., organizacni slozka Pernerova 691/42, 186 00 Praha 8”
- mbank.cz/o-nas/o-bance checked September 26, 2026
Backs: Founded, Use cases
- mbank.cz/osobni checked September 26, 2026
Backs: Features, Currency conversion fee, Card network
“Virtualni karty; mKreditka Travel - platby v cizi mene, cestovni pojisteni”
- mbank.cz/osobni/hypoteky/hypoteka-na-bydleni checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee
“Representative example of a mortgage of 1,450,000 CZK: property value 2,000,000 CZK, fixed three-year interest rate 5.59 % per year, 40 years (480 instalments), annual percentage rate of costs...”
- mbank.cz/osobni/sporeni/msporici-ucet-plus checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“mSporici ucet Plus s urokem az 4,21 % p.a. ... 0 - 250 000 Kc 4,21 % p.a.”
- mbank.cz/osobni/ucty/mkonto checked September 26, 2026
Backs: Free ATM withdrawals
“mKonto - vybery nad 1 500 Kc zdarma; zalozeni a vedeni uctu zdarma”
- mbank.cz/osobni/uvery/mpujcka checked September 26, 2026
Backs: Loan amount, Free early repayment, Funding time, Lender type, Arrangement fee, Origination fee (%)
“neplatíte za předčasné splacení”
- mbank.cz/uverova-kalkulacka/100000 checked September 26, 2026
Backs: Term
“Splatnost 12–120 měsíců”
And 1 more source page.
Compiled from 16 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Minimum deposit, Deposit protection.
mBank CZ
Czech savers who want easy access, a competitive headline rate and no monthly fee.