mBank (formerly smartTerminal) card reader review 2026: tap to pay fees and rating
SoftPOS built into the banking app, activation 'standardowo w ciągu 24 godzin'. One of the lowest published rates in the EU. The zero-percent promotion ends on 30.11.2026.
The score measures transparency, reach and certification of the offer — not how well the app works. See the formula
mBank (mElements S.A.) offers smartTerminal (w aplikacji banku) for iOS + Android. Transaction fee: from 0.50%; monthly fee: none. Security certification: n/a. Available in: Poland.
mBank (mElements S.A.) terms in full
| Product name | smartTerminal (w aplikacji banku) |
|---|---|
| Provider type | SoftPOS + hardware |
| Headquarters | Poland (Warsaw) |
| Founded | 1986 (mBank 2000) |
| Platforms | iOS 18.0+; Android announced ('Już wkrótce smartTerminal dostępny będzie również na Android.') |
| Certification | n/a ('spełnia standardy bezpieczeństwa wymagane dla płatności bezgotówkowych') |
| Transaction fee | Months 1 to 12: 0.50% + 6 gr, from month 13: 0.59% + 6 gr. Promotion until 30.11.2026: 0% up to 200,000 PLN gross for 24 months, only for sole traders with an mBank business account |
| Monthly fee | 0 PLN subscription |
| Setup cost | 0 PLN activation |
| Contract term | k.A. |
| Cards accepted | Visa, Mastercard, Apple Pay, Google Pay |
| PIN entry on screen | n/a |
| Transaction limit | n/a |
| Target customers | Sole traders and SMEs with an mBank business account |
| Available markets | Poland |
| Website | mbank.pl |
| Data source | Open primary source ↗ |
Alternatives to mBank (mElements S.A.)
Comparable providers in Europe:
- Stripe — from 2.70% + 5 ¢, Rating 1.4
- Nexi (Nexi Group) — from 1.19%, Rating 1.6
- payabl. — from 1.50%, Rating 2.7
- Tippie (tippiePay) — from 1.30%, Rating 2.8
- Ingenico (inkl. phos) — on request, Rating 2.8
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Frequently asked questions
mBank tap to pay: do I need any extra hardware?
Not necessarily. mBank (mElements S.A.) sells card terminals as well, but its tap to pay product works on a phone you already own, with no extra hardware. Supported platforms: iOS + Android.
Which countries is mBank available in?
By our records: Poland. Availability changes, and the date above the table is when we last checked.