Wikilix
Contract reading

What mBank legally published, but does not want you to read

Every clause below is published by mBank itself, on its own website, today. The finding is not that the text exists. It is the distance between what a client is shown and what a client agreed to. Read from its own documents on .

Contracting entity: mBank S.A.

hidden feeaccount blockunilateral amendmentwithdrawalsaccount closurecomplaint deadlineconditional zerocounterpartycountry restrictioncurrency conversion

mBank S.A. publishes a full set of terms in Polish, and keeps the prices in a separate 86 page list. Converting a card payment or a cash withdrawal into another currency costs 5.9%. The same list says a fee of 0 zł can be raised to 200 zł in one step. If mBank charges you a fee wrongly, you get 14 days to complain.

Back to mBank

Contract risk

Harder than average
4.5/10

Where this contract sitsHow far this contract goes, overall. Under 2 is nothing beyond the ordinary; 6 to 9 means several clauses put money you have already earned at risk; 9 and above reads as designed to make payout refusable.

0510
CriticalClauses that can cost you money you have already earned or deposited, or that remove your ability to challenge it.
1
FlaggedEvery clause worth knowing about, at all three severities. Ordinary terms that every broker has are not counted.
13
DocumentsHow many of the broker's own legal files this reading is based on. Each one was downloaded and hashed on the date shown.
8
ContradictionsPlaces where a promise the broker makes in public is not kept by the clause that governs it.
4

How the 13 break downThe same flagged clauses, split by how much each one can cost you. Severity is our reading of the clause, not the broker's label.

Critical1
Warning9
Notice3

The numbers in this contractFigures taken from this broker's own clauses, so the labels differ from broker to broker. The four in the panel above are the same on every report.

5.9%Fee you were not shown. Jump to the clause this comes from.Foreign currency card transactions cost 5.9% extra5.9%In the contract. Jump to the clause this comes from.Sold in Ukrainian, contracted only in Polish14 daysTime to complain. Jump to the clause this comes from.Fourteen days to complain about a wrongly charged fee60 daysFee on an unused account. Jump to the clause this comes from.Three quiet months and mBank can close the account

What the documents say

13 clauses worth knowing about, worst first, each quoted from mBank's own files

01

Pay or take out cash in a currency your mBank card does not hold, and mBank adds 5.9% to the amount. Switching on its multicurrency service cuts that to 3.5%. The number is a footnote on page 13 of an 86 page price list.

Why this matters

A 1,000 zł withdrawal on holiday costs you 59 zł before the local ATM adds anything of its own. Only the Visa Podróże and Visa Świat Intensive cards escape the charge, and the account page you ordered your card from does not mention it.

Exhibit 1WarningHarder than usual5.9%

5,9% od wartości transakcji lub 3,5% od wartości transakcji dla transakcji kartą z włączoną usługą wielowalutową
Clause I.2.a, przypis 5 in Taryfa prowizji i opłat bankowych dla osób fizycznych w ramach bankowości detalicznej mBanku S.A., p.13
Downloaded from the broker's site on Open the reference

What it costsA cash withdrawal abroad worth 1,000 zł costs 59 zł in conversion commission. With the multicurrency service switched on, the same withdrawal costs 35 zł.

  • Worse together with Exhibit 2The Ukrainian language account cannot switch on the multicurrency service that would halve this charge.
02

mBank runs a Ukrainian language site promising 0 zł for opening an account, for the card and for ATM use in Poland and worldwide. The prices for that account sit in Annex 1, on page 82 of an 86 page list published only in Polish, where a foreign currency card withdrawal costs 5.9%.

Why this matters

You are recruited in a language mBank will not contract in: its terms say the application and the agreement are handled in Polish. Only Private Banking clients can get an English text, and mBank says the Polish version wins if the two disagree.

Exhibit 2WarningHarder than usual5.9%

Obsługę wniosku i umowy prowadzimy w języku polskim.
Clause rozdz. 4 pkt 4) in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.8
Downloaded from the broker's site on Archived copyOpen the reference
Our own capture of mbank.pl, taken on Sep 12, 2026The claim, on Ukrainian language landing page, tile headed I want to open an accountVisit this page on the broker's siteDownload the full size image file
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026What the contract says, clause Załącznik nr 1, I.2, przypis 1This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026Sold in Ukrainian, contracted only in Polish (clause rozdz. 4 pkt 4))This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file
03

The price list that shows 0 zł for running your account also sets out what 0 zł may become. A fee at zero can go to 200 zł in a single change, and a commission at 0% can go to 10%. Fees that already cost something can at most double.

Why this matters

The free account you opened stays free until mBank decides otherwise, and the ceiling on the first rise is 200 zł rather than a small increment. The caps do not apply at all to a fee mBank has not invented yet.

Exhibit 4WarningHarder than usual$200

Opłata, która wynosi 0 złotych nie może jednorazowo wzrosnąć więcej niż do 200 złotych.
Clause Postanowienia ogólne, ust. 6 pkt 2) in Taryfa prowizji i opłat bankowych dla osób fizycznych w ramach bankowości detalicznej mBanku S.A., p.7
Downloaded from the broker's site on Open the reference
Our own capture of mbank.pl, taken on Sep 12, 2026The claim, on Homepage tile for the account for people aged 18 to 24Visit this page on the broker's siteDownload the full size image file
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026What the contract says, clause Postanowienia ogólne, ust. 6 pkt 2)This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

What it costsA monthly account fee shown today as 0 zł can be set at 200 zł in one change. That is 2,400 zł over a year on an account advertised as free.

04

mBank splits the complaint clock in two. An unauthorised payment gives you 13 months, but a fee or commission charged wrongly gives you 14 days from the day mBank makes the statement available. After that its own rules point you at the courts.

Why this matters

You get two weeks from a statement you may not have opened to challenge a charge you did not expect. mBank's public complaints page prints neither deadline, so you open a 16 page document to find out you are already late.

Exhibit 5WarningHarder than usual14 days

14 dni – liczymy je od dnia, w którym udostępniliśmy Ci zestawienie transakcji płatniczych, który obejmuje kwestionowaną transakcję
Clause rozdz. 4 pkt 3) b) in Regulamin przyjmowania i rozpatrywania reklamacji w ramach bankowości detalicznej mBanku S.A., p.8
Downloaded from the broker's site on Open the reference
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026Fourteen days to complain about a wrongly charged fee (clause rozdz. 4 pkt 3) b))Visit this page on the broker's siteDownload the full size image file
Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must let a payment service user report an unauthorised or incorrectly executed payment for up to 13 months. mBank gives consumers the same 13 months for those, and 14 days where the error is in the fees it charged.

mBank is not licensed by this regulator, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 11The charges hardest to spot on a statement are the ones with the shortest window to dispute.
05

A clause that arrived on 26 August 2026 lets mBank block the transactions you make if you do not confirm your personal data when asked, or if that data is out of date. Transfers to the social insurance office and the tax office are carved out. The clause did not exist in the version in force until 25 August 2026.

Why this matters

An old address or an expired document can stop your payments, and the trigger is administrative rather than anything suspicious you did. mBank does not have to warn you first if it judges that security or the law requires silence.

Exhibit 6WarningStandard wordingNew

Jeśli: a) nie potwierdzisz swoich danych osobowych (gdy Cię o to poprosimy) lub b) Twoje dane osobowe będą nieaktualne mamy prawo zablokować realizowane przez Ciebie transakcje.
Clause rozdz. 12 pkt 2) in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.12
Downloaded from the broker's site on Archived copyOpen the reference
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026New clause blocks your transactions over stale personal data (clause rozdz. 12 pkt 2))This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

mBank can take a shortfall from any other account you hold

If an mBank account goes overdrawn, clause 15 lets the bank take the money from your other accounts, including foreign currency ones. You give that permission irrevocably and it survives your death. On a child's account, mBank can debit the parent who consented and the proxy as well.

Set-off1 clause flagged

If an account of yours goes overdrawn, the chapter on overdue debt lets mBank take the money from your other accounts, including foreign currency ones. You give that permission irrevocably and it does not end when you die. On a child's account, mBank can also debit the parent who consented and the proxy.

Why this matters

Someone else's shortfall can be settled out of your balance if you agreed to their account or hold power over it. Money you set aside in a different currency is inside the same reach.

Exhibit 8CriticalRarely seen

Upoważniasz nas do tego nieodwołalnie. Upoważnienie to nie wygasa w przypadku śmierci posiadacza rachunku.
Clause rozdz. 15 pkt 6) in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.18
Downloaded from the broker's site on Archived copyOpen the reference
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026Money taken from other accounts, including a parent's (clause rozdz. 15 pkt 6))This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

Our readingSet off between a customer's own accounts is ordinary. Extending it to the account of a proxy, who owes nothing and only holds authority to act, is not: it turns an administrative role into personal exposure.

The zero prices on mBank's account pages are conditions, not prices

A foreign currency payment or cash withdrawal on an mBank card carries 5.9% on top, set out in a footnote on page 13 of an 86 page price list. The same list says a fee of 0 zł can be raised to 200 zł in one step, and a 0% commission to 10%. Cash you order and do not collect costs 0.5% of the amount you did not take, and mBank's premium account costs 49.50 zł a month unless you clear one of three thresholds.

Cost disclosure3 clauses flagged

mKonto Intensive is free only if the month before you held an average of 100,000 zł with mBank, traded 100,000 zł through eMakler, or had 10,000 zł paid in. Otherwise it costs 49.50 zł a month. Moving money in from your own other accounts does not count as money paid in.

Why this matters

The account mBank advertises with a bonus of up to 1,000 zł charges you 594 zł a year if your salary is smaller than its threshold. You cannot meet the test by shuffling your own savings across.

Exhibit 12WarningStandard wording$49.5

suma wpływów na to konto i/lub konto eMax wynosiła min. 10000 zł.
Clause I.1, przypis 2 in Taryfa prowizji i opłat bankowych dla osób fizycznych w ramach bankowości detalicznej mBanku S.A., p.10
Downloaded from the broker's site on Open the reference
Our own capture of mbank.pl, taken on Sep 12, 2026The claim, on Homepage tile for the premium account mKonto IntensiveVisit this page on the broker's siteDownload the full size image file
Our own capture of pdf.mbank.pl, taken on Sep 12, 2026What the contract says, clause I.1, przypis 2This capture shows the page the quotation was taken from. The words themselves are not marked in it, so please read the quotation above as the evidence.Visit this page on the broker's siteDownload the full size image file

What it costsTwelve months at 49.50 zł is 594 zł. The advertised bonus of up to 1,000 zł is gone in under two years.

Any branch withdrawal above 20,000 zł has to be ordered in advance. Fail to collect it on the day, and mBank charges 0.5% of the amount you did not take.

Why this matters

You pay a percentage of money that never left the bank. On a 20,000 zł order that is 100 zł for a trip you did not make.

Exhibit 10NoticeHarder than usual0.5%

wypłatę powyżej 20 000 zł zawsze musisz wcześniej zamówić (awizować)
Clause I.1, przypis 3 in Taryfa prowizji i opłat bankowych dla osób fizycznych w ramach bankowości detalicznej mBanku S.A., p.10
Downloaded from the broker's site on Open the reference

What it costsYou order 20,000 zł and cannot collect it on the appointed day. The charge is 100 zł, on money you never received.

mBank takes 4% on any card transaction at a casino, betting shop or lottery. Checking your balance at an ATM costs 5 zł on most accounts. Tracing money you sent to the wrong place costs 50 zł, and when a bailiff seizes your account mBank charges you 30 zł to send the money on.

Why this matters

These sit in a price list you have to open separately, and the seizure charge lands when your money is already being taken. None of them appear on the account page you signed up from.

Exhibit 11NoticeHarder than usual4%

transakcja w punkcie oznaczonym jako: kasyno, kasyno internetowe, salon gier, zakład bukmacherski, loteria i totalizator
Clause I.2.a in Taryfa prowizji i opłat bankowych dla osób fizycznych w ramach bankowości detalicznej mBanku S.A., p.12
Downloaded from the broker's site on Open the reference

Saying no to a change in mBank's terms ends your account

mBank treats your silence as agreement to any change it announces, and clause 30 ends the agreement the day before the change if you object without giving notice yourself. The reasons mBank may rewrite the account terms are not in the account terms: clause 29 sends you to a second document. mBank can also block your access for using software that places instructions or reads your transactions.

Exit conditions2 clauses flagged

Say nothing about a change mBank announces and you have agreed to it. Object in writing without also giving notice yourself, and mBank treats the agreement as expiring the day before the change lands. The reasons mBank may rewrite the terms are not in those terms: clause 29 sends you to a second document.

Why this matters

You have two answers to a new price, and one of them closes your account. mBank does give two months' notice and charges nothing to leave, so what you lose is the account rather than a penalty.

Exhibit 3WarningStandard wording

Jeśli nie sprzeciwisz się zmianom na piśmie przed dniem, kiedy planujemy je wprowadzić, uznajemy, że zgodziłeś się na zmiany.
Clause rozdz. 30 in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.29
Downloaded from the broker's site on Archived copyOpen the reference
Set against a regulated standard: FCA (UK)

Firms licensed by the FCA must give a payment account customer at least two months' notice of a change to the framework contract, and must let the customer end it free of charge first. mBank does both, and adds that an objection on its own ends the agreement the day before the change.

mBank is not licensed by this regulator, so this is a comparison of practice, not a finding of any breach.

  • Worse together with Exhibit 4Silence accepts a price rise that the price list allows to start from zero.

mBank can block your access to the account if it finds you use an aplikacja automatyzująca, which its terms define as any software that places instructions for you or pulls information about your transactions. It can also end the agreement on two months' notice if that software raises its costs.

Why this matters

A budgeting tool or a script that reads your transaction history counts, unless mBank supplied it or the provider is a licensed one. Nothing in the clause requires mBank to warn you before the access goes.

Exhibit 7WarningHarder than usual

stwierdzimy, że korzystasz z aplikacji automatyzujących,
Clause rozdz. 12 pkt 3) c) in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.12
Downloaded from the broker's site on Archived copyOpen the reference

Three months without a transaction and mBank can close the account

mBank can end the whole agreement on two months' notice if an account shows no turnover for 3 months, and can close a single account if no money arrives within 60 days of opening. After the agreement ends, money you have not told mBank where to send stops earning interest. Ten years after your last instruction the agreement expires by itself.

In plain words

Dormancy means an account left unused.

Dormancy1 clause flagged

No money into a new account within 60 days and mBank can close it. No turnover for 3 months and it can end the whole agreement on two months' notice. Fees it charges you and interest it adds do not count as turnover.

Why this matters

An account you keep for occasional use can be closed from under you, and if you have not told mBank where to send the balance the money then sits earning nothing. Ten years after your last instruction the agreement expires by itself.

Exhibit 9WarningStandard wording60 days

w ciągu 60 dni od jego otwarcia nie dokonano na nim żadnej wpłaty.
Clause rozdz. 31 pkt 13) c) in Regulamin rachunków dla osób fizycznych i klientów Private Banking w ramach bankowości detalicznej mBanku S.A., p.32
Downloaded from the broker's site on Archived copyOpen the reference

What happens, and when

The stages this clause runs through, taken from the broker's own document
TriggerWhat the broker may then doClause
Day 60 with no depositmBank can end the agreement for that one account on two months' notice.rozdz. 31 pkt 13) c)
3 months with no turnovermBank can end the whole agreement on two months' notice.rozdz. 31 pkt 11) f)
After the agreement endsIf you gave no account for the transfer, your money becomes a deposit that pays no interest.rozdz. 31 pkt 20)
10 years after your last instructionThe agreement ends, and stays binding only until mBank pays the money out to you.rozdz. 31 pkt 1) f)

mBank S.A. is a Polish bank and deposits are guaranteed to 100,000 euro

mBank S.A. is registered in Warsaw under KRS 0000025237 and names the Komisja Nadzoru Finansowego as its supervisor. Deposits are covered by the Bankowy Fundusz Gwarancyjny up to the zloty equivalent of 100,000 euro per depositor, paid within 7 working days. That guarantee is published in a separate two page sheet rather than in the account terms.

Who holds the money1 clause flagged

You are dealing with mBank S.A. of Warsaw, register number KRS 0000025237, and the Komisja Nadzoru Finansowego is named in its own terms as the authority that supervises it. Deposits are guaranteed to the zloty equivalent of 100,000 euro per depositor.

Why this matters

If the bank failed, the Bankowy Fundusz Gwarancyjny would pay you within 7 working days up to that limit. Everything you hold at mBank counts against the one limit together, and a joint account gives each holder their own.

Exhibit 13NoticeStandard wording

równowartość w złotych 100 000 euro w odniesieniu do każdego deponenta w jednym podmiocie objętym systemem gwarantowania.
Quoted in Arkusz informacyjny dla deponentów, p.1
Downloaded from the broker's site on Open the reference

Where the marketing and the contract disagree

A promise made in public, set against the clause that governs it

01

The Ukrainian page promises free worldwide ATM use, while the annex covering that very account charges 5.9% to convert a foreign currency withdrawal.

Said in public, in UK

0 zł за відкриття рахунку, картку та користування банкоматами в Польщі та в усьому світі

Word for word in English: 0 zł for opening the account, for the card and for using ATMs in Poland and all over the world

Ukrainian language landing page, tile headed I want to open an account

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of mbank.pl

In the contract · clause Załącznik nr 1, I.2, przypis 1

5,9% od wartości transakcji lub 3,5% od wartości transakcji dla transakcji kartą z włączoną usługą wielowalutową

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of pdf.mbank.pl

02

The homepage promises free ATMs abroad without saying that every card except Visa Podróże and Visa Świat Intensive pays 5.9% to convert the cash.

Said in public, in Polish

korzystaj z darmowych bankomatów za granicą bez limitu

Word for word in English: use free ATMs abroad with no limit

Homepage tile for cards for travellers

In the contract · clause I.2.a, przypis 5

5,9% od wartości transakcji lub 3,5% od wartości transakcji dla transakcji kartą z włączoną usługą wielowalutową

03

The homepage sells 0 zł as the price, while the price list treats 0 zł as a starting point that can move to 200 zł in one change.

Said in public, in Polish

0 zł za otwarcie i prowadzenie konta oraz kartę Visa Me

Word for word in English: 0 zł to open and run the account and for the Visa Me card

Homepage tile for the account for people aged 18 to 24

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of mbank.pl

In the contract · clause Postanowienia ogólne, ust. 6 pkt 2)

Opłata, która wynosi 0 złotych nie może jednorazowo wzrosnąć więcej niż do 200 złotych.

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of pdf.mbank.pl

04

The premium tile advertises a bonus and a savings rate, and never mentions the 49.50 zł a month that applies unless you clear one of three thresholds.

Said in public, in Polish

nawet 1000 zł i 5,5% w skali roku na oszczędnościach do 200 000 zł

Word for word in English: up to 1,000 zł and 5.5% a year on savings of up to 200,000 zł

Homepage tile for the premium account mKonto Intensive

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of mbank.pl

In the contract · clause I.1, przypis 2

mKonto Intensive – nie pobieramy opłaty, jeśli w poprzednim miesiącu:

We took a picture of this page. It is shown once, with the finding it belongs to. See our capture of pdf.mbank.pl

What changed quietly

First reading of mBank, so there is nothing yet to compare it against.

  • ADDEDClause rozdz. 12 pkt 2) · 17.06.2026 to 26.08.2026

    mBank gained the right to block your transactions over unconfirmed or out of date personal data, a power the previous version did not contain.

    Jeśli: a) nie potwierdzisz swoich danych osobowych (gdy Cię o to poprosimy) lub b) Twoje dane osobowe będą nieaktualne mamy prawo zablokować realizowane przez Ciebie transakcje.

The documents this reading is based on

8 files, all published by mBank. Each shows when we read it and a fingerprint of its wording.

WIKILIX keeps the copy of each file it read, and does not republish it: what is published is the fingerprint of its wording. Download the file yourself and hash its text, lowercased with runs of whitespace collapsed, and a matching fingerprint means the wording quoted above is still the wording mBank publishes.

How this reading was done

Every clause above was read out of a document mBank publishes itself

This reading was published on .

Documents
2 of 8downloaded from the broker's site, and 2 read in full
Pages opened
22pages walked to find those documents, footer links included
Older copies
1earlier versions downloaded
Marketing pages
2public pages set against what the contract says
Languages
PL vs UKthe language it advertises in, against the language it contracts in

Who the contract is with

mBank S.A.

You contract with mBank S.A. of ul. Prosta 18 in Warsaw, entered in the Polish company register under KRS 0000025237. One set of account terms covers retail clients and Private Banking clients, so there is no second entity to find. The Ukrainian language offer is not a separate company either: eKonto osobiste UA is an annex to mBank's own price list. mBank names the Komisja Nadzoru Finansowego as the authority that supervises it, and the deposit sheet names the Bankowy Fundusz Gwarancyjny as the scheme that protects the money.

Quotations are copied verbatim from the documents named above, with the clause number and the page each one came from. Where a clause is quoted in another language, the original is shown first and the English is a translation.

The plain-language parts, what a clause means for a client, how ordinary it is, and how it reads against a regulated standard, are WIKILIX's analysis and are labelled as such on every card. This is a reading of public documents, not legal advice and not an allegation of wrongdoing.

In fairness, and what we could not check

A reader who knows the edges of the work can trust the middle of it

mBank keeps every version of its terms online back to 2013, each labelled with the dates it applied. You can check what you agreed to on the day you signed. The terms are written in plain Polish and address the reader as Ty. mBank gives two months' notice before a change and charges nothing if you leave because of it. Its price list limits most fee rises to double, allows two price changes in 12 months, and promises not to replace a clause on its own if it is found unlawful. Deposits are covered by the Bankowy Fundusz Gwarancyjny up to the zloty equivalent of 100,000 euro, paid within 7 working days.

We read the account terms end to end, both the version in force today and the one it replaced on 26 August 2026. We read part of the 86 page price list: the general provisions, the personal accounts, the debit cards, the other fees and the annex holding the Ukraine offer. We read the parts of the customer service terms and the complaints rules that carry the amendment reasons and the complaint deadlines. We did not read the payment services terms, the debit card terms, the payment limits document or the privacy notice, so nothing here rests on them. Quotations credited to mBank's Ukrainian pages come from those pages. The cookie policy is long and we read most of it, not all.

How to check any of this yourself

Every quote above links to the mBank file it came from. This is what to do with it.

Open the three stepsFind the words in the source, work out the fingerprint, and read what a difference does and does not prove.

Open the source and search for the words

Every quote has a link under it. Open the file, or the web page, and search it for the words we quote. The clause number next to the quote tells you where to look.

If the words are not there any more, the source may have changed after we read it. That is worth knowing too. We keep the date we read it, and a code worked out from its wording, so the quote stays checkable.

What a fingerprint is

A fingerprint is a code worked out from what a source says. Change one word and the code changes completely. We keep two codes for every file we read, and the panel on each source shows both.

The first is the code of the exact file we downloaded. The second is the code of its wording alone, with capital letters lowered and runs of spaces collapsed. When the same words are saved as a new file, the first code changes and the second one stays the same.

Only the first code can be worked out on your own computer. Save the file, then run one of these, putting the name of the file you saved where the example is. The panel on each source prints the command with that source's real file name already in it.

macOS or Linux:
  shasum -a 256 the-file-you-saved.pdf

Windows:
  certutil -hashfile the-file-you-saved.pdf SHA256

The two codes are different from each other, and they are not meant to match. Comparing one against the other proves nothing.

What a difference means, and what it does not

A different file code on its own proves nothing. A PDF saved again with a new date inside it is a new file saying exactly the same thing.

A different wording code means the words themselves changed. That is the one that matters, and it is why we keep it.

Even then, a change is not proof of bad faith. Companies update their documents. What this report says is what the document said on the day we read it, and every quote carries that date.

A source that is a web page and not a file has no file to save, so only the code of its wording is shown.

How this report is made

Every clause quoted above comes from a document mBank publishes on its own website, downloaded and hashed on the date shown, with the clause number and page recorded so any reader can check it. We do not allege anything the documents do not say, and we do not judge mBank on anything other than its own published terms and its own public marketing. Where a clause has a qualifier that softens it, the report says so. Last read Sep 12, 2026.

If you represent mBank and a clause has changed, been withdrawn, or is being read out of context, tell us and we will re-read the documents and update this page. Corrections from the broker are welcome and are published with the reading they change. Contact us.

This is a reading of a contract, not legal advice and not a ruling on mBank. Whether its licence is real and current is a separate check on the broker profile.

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