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mBank Slovensko review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

mBank Slovensko's mSporenie suits Slovak savers who want everyday access to their money rather than the top rate. Interest of 1% is variable, deposits and withdrawals carry no restrictions, and transfers to and from mKonto are unlimited, so the balance works as a transaction account that happens to earn interest.

Key facts

Best for
Slovak savers who keep a spending buffer and want that buffer to earn something.
Headline rate
1%↗
Rate type
Variable↗
Term
12 to 96 months↗
Minimum deposit
€0↗
Access terms
No restrictions on deposits or withdrawals; funds can be used at your discretion, unlimited transfers to and from mKonto↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
mBank S.A., pobočka zahraničnej banky↗
Headquarters
Slovakia↗
Founded
2007↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
No monthly fee
Official website
mbank.sk

Loans

APR
6.05%↗
Loan amount
€350 to €48,000↗
Arrangement fee
0 EUR↗
Credit check
Hard↗
Funding time
Money on the account within 10 minutes; within 3 minutes for clients with a pre-approved offer↗
Representative example
mPôžička Plus: 6 000 EUR over 96 months at fixed 5.89% p.a. (APR 6.05%), 0 EUR fees, monthly instalment 78.60 EUR, total 7 530.80 EUR↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Over 18 and legally capable, steady income, permanent residence and contact address in the territory of the Slovak Republic, no negative Credit Bureau record and no current debt at mBank↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation, Credit-line↗
Features
Same-day funding

Mortgages

Initial rate
3.99%↗
APRC
4.36%↗
Fixed period
3 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Remortgage↗

Debit cards

Free ATM withdrawals
€70↗
Card type
Debit↗
Audience
Kids, Business

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
Google Play
Elsewhere
X

Pros and cons

Pros

  • mKonto pairs a debit card with €70 in free ATM withdrawals.
  • Support covers phone, chat and email for savings, card and loan questions.
  • The same bank lends at 6.05% on amounts of €350 to €48,000, with free early repayment on top.

Cons

  • The rate of 1% sits well below the 3% most savings accounts on the site pay.
  • Because the rate is variable, the interest is not locked in for the life of the balance.
  • The offer scores 1.6 against 6.5 on cost.
mBank Slovensko

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Slovak households keeping a buffer they can reach the same day.
  • The bank's kids and business audience covers families with children and business customers alike.
  • Borrowers who want fee-free lending and a quick payout from the bank they already hold savings with.

Who should look elsewhere

  • Savers chasing a bigger return, since Wise pays 3.29% against 1% here.
  • Readers after a promotional structure rather than a plain rate, as Finteres lists 0% to 36%.
  • Savers weighing a simple bank savings balance elsewhere, since bunq pays 3.01%.

How it compares on our data

On our savings data the account sits at position 386 of 488 brands for headline rate, which is where the interest you earn gets weighed. On minimum deposit it ranks 1 of 379. The open entry point is the strongest part of the profile. The rate is not.

The company behind it

mBank Slovensko operates as mBank S.A., pobočka zahraničnej banky, a branch of a foreign bank, with its base in SK and a founding year of 2007. Support runs on phone, chat and email, so phone, chat, email and the help centre all carry questions on the savings side. The legal name shows a branch structure rather than a standalone local bank.

How mBank Slovensko compares

Where mBank Slovensko is available

Available
Slovakia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What interest does mSporenie pay?+

mSporenie pays 1% interest, and the rate is variable rather than fixed. That sits below the 3% most savings accounts on the site pay, so the appeal is convenience rather than return. The account is easy access and the balance stays reachable throughout.

Is there a minimum deposit or a monthly fee?+

Neither. The minimum deposit is €0 and the monthly fee is €0. You can hold a small balance and leave it in place without a charge, which makes this a holding pot rather than a product that pays you for the size of it.

Can I take money out whenever I want?+

Yes. Deposits and withdrawals carry no restrictions, so the balance never needs to be left in place for a set period, and transfers to and from mKonto are unlimited. The account is easy access, so it behaves like a transaction account that pays interest. The catch is the rate: it is variable, so the interest earned can move while the money stays available.

Does the same bank lend money, and on what terms?+

It does, as a direct lender. Loans run at 6.05% on amounts of €350 to €48,000, with terms of 12 to 96 and 0 EUR in fees. Early repayment is free, and the range also covers consolidation and a credit line. The published example puts the same rate on a longer repayment with no arrangement charge.

How quickly is a loan paid out?+

The feature list records same day funding, and the stated timing lands the money on the account inside a few minutes of approval, with a quicker route for clients who already hold a pre-approved offer. Cost is not the obstacle: 0 EUR in arrangement fees and 0% as a percentage of the loan.

What does the mortgage product look like?+

The mortgage quotes an initial rate of 3.99% and an APRC of 4.36%, fixed for 3 years, up to 90% loan to value. Product fees come to €0, and the stated purposes are purchase and remortgaging. It suits owners who want the same bank on both the savings and the mortgage.

How do I reach help?+

Support runs on phone, chat and email, covering phone, chat, email and a help centre. The same channels handle the savings account, the debit card and the loan side. The bank is based in Slovakia, so terms and eligibility follow that market.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

mBank Slovensko

mBank Slovensko

Slovak savers who keep a spending buffer and want that buffer to earn something.

9.1/10See alternatives