mBank Slovensko review

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

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Our verdict

mBank Slovensko suits Slovak residents with steady income who want a fixed-rate personal loan with no arrangement fee and money on the account the same day. An APR of 6.05% and an origination fee of 0 EUR keep the cost of borrowing low, and the fixed rate keeps instalments predictable.

Key facts

Best for
A Slovak borrower wanting a fee-free fixed-rate loan with same-day funding.
APR
6.05% (Source, checked September 26, 2026)
Loan amount
€350 to €48,000 (Source, checked September 26, 2026)
Term
12 to 96 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Money on the account within 10 minutes; within 3 minutes for clients with a pre-approved offer (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Legal entity
mBank S.A., branch of a foreign bank (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
mbank.sk

Mortgages

Initial rate
3.99% (Source, checked September 26, 2026)
APRC
4.36% (Source, checked September 26, 2026)
Fixed period
3 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
mBank S.A., branch of a foreign bank (Source, checked September 26, 2026)
Headquarters
Slovakia (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
Xfacebook.com

Pros and cons

Pros

  • Personal loan fees of 0 EUR and 0% mean no arrangement charge on the borrowing
  • Fixed-rate lending on fixed terms, so the instalment does not shift with the market
  • Free early repayment, so clearing the balance early costs nothing
  • Money reaches the account within minutes, faster for clients holding a pre-approved offer

Cons

  • hard credit checks rule out applicants without a clean Credit Bureau record
  • The highest personal loan balance is €350 to €48,000 and terms run 12 to 96
  • Support runs on phone and help centre, and neither chat nor email is among the channels listed for the lender
mBank Slovensko

Ready to try mBank Slovensko?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Slovak residents with permanent residence and a contact address in the Slovak Republic
  • Borrowers with a steady income and no current debt at mBank
  • Anyone planning a mortgage purchase or remortgage with a fixed introductory period

Who should look elsewhere

  • Applicants with a negative Credit Bureau record or debt outstanding at mBank
  • Borrowers who need a balance above €350 to €48,000 or a longer term than 12 to 96
  • People wanting a credit line rather than a set loan and instalment schedule

Safety and regulation

mBank Slovensko lends as a direct lender, so the loan comes straight from the bank rather than through a broker or a marketplace, and the terms are set in one place. Its representative example for the personal loan pairs a fixed rate with no fees, a level monthly instalment and a stated total repaid, which makes the full cost easy to check before applying.

How mBank Slovensko compares

Where mBank Slovensko is available

Available
Slovakia

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

Frequently asked questions

What APR does mBank Slovensko charge on a personal loan?+

The personal loan runs at a fixed fixed rate with an APR of 6.05%. That sits well under the personal loan median of 12% across the site, and mBank Slovensko ranks at 88 of 350 brands on this measure.

How much can I borrow and over what term?+

Personal loans run €350 to €48,000 and terms last 12 to 96. The longest tenor sits at the upper end compared with the site median of 36, so a longer schedule is available for borrowers who want a smaller instalment.

Are there fees for taking a mBank Slovensko personal loan?+

The origination fee is 0 EUR and the percentage fee is 0%, so the representative example lists no fees at all. Early repayment is free, which means clearing the loan ahead of schedule adds no charge.

Who can apply for a mBank Slovensko loan?+

Applicants must be adults who are legally capable, have a steady income, and hold permanent residence and a contact address in the Slovak Republic. You also need no negative Credit Bureau record and no current debt at mBank.

How quickly is the money paid out?+

Funds land on your account within minutes, and clients holding a pre-approved offer see it faster still. Same-day funding is the one feature listed for the personal loan, and the fixed rate type means the instalment stays predictable afterwards.

What does a mBank Slovensko mortgage cost?+

The mortgage shows an initial rate of 3.99% fixed for 3, with an APRC of 4.36%. The product fee is €0, and the maximum loan to value is 90%, which lines up with the site median of 90%.

What kinds of loans does mBank Slovensko offer?+

The range covers personal loans, debt consolidation and a credit line, so the same bank can handle a consolidation or a revolving facility. It is a direct lender rather than a broker, which keeps the decision with the bank.

How do I contact mBank Slovensko?+

Support runs on phone and help centre, so a phone line and a help centre carry the questions. The bank has operated since 2007 and is based in Slovakia, with legal entity mBank S.A., branch of a foreign bank.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

mBank Slovensko

mBank Slovensko

A Slovak borrower wanting a fee-free fixed-rate loan with same-day funding.

9.1/10See alternatives

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