Mbank S.A. (Formerly Bre Bank S.A.) SWIFT/BIC code

Mbank S.A. (Formerly Bre Bank S.A.) SWIFT code: BREXPLPW

Whether a recipient gives you BREXPLPW or BREXPLPWXXX, you are looking at the identical identifier for Mbank S.A. (Formerly Bre Bank S.A.) in Poland. A SWIFT code shows the banks handling a payment which institution should receive the money, much like a postcode for banks. You will need it mainly when dealing with payments that cross a border.

This page is meant to help anyone who receives money at an account at Mbank S.A. (Formerly Bre Bank S.A.). A SWIFT code identifies an institution, never a specific account; the IBAN or account number does that.

A note on our data

We collect bank codes using public sources and update them from time to time. It can happen that information on this page is out of date after a merger or reorganisation. The figures on this page are based on what is in our directory and not on information from Mbank S.A. (Formerly Bre Bank S.A.) itself.

For a payment that matters, always check the code with Mbank S.A. (Formerly Bre Bank S.A.) or the recipient. GoldexPay is a comparison site for money transfers and not part of Mbank S.A. (Formerly Bre Bank S.A.). Spotted outdated information? Tell us via our contact form.

Verifying the SWIFT code of Mbank S.A. (Formerly Bre Bank S.A.)

The safest source for a SWIFT code is the bank details provided by the recipient. Compare it with BREXPLPW on this page and ask if anything does not match.

Errors in the SWIFT code are annoying rather than disastrous – usually the money comes back, minus fees and time lost. An error in the IBAN or account number can be more serious, because the money may be credited to someone else; check it just as carefully.

A validity check by your bank only tells you that the code is valid. Where available, a payee name check on the recipient adds extra certainty. For a first payment, some people start with a small amount first and wait for confirmation.

Euro transfers to Mbank S.A. (Formerly Bre Bank S.A.): is a BIC needed?

Within the SEPA zone, euro payments to an account in Poland use common rules. The BIC field is usually optional or missing in that case.

You will still need BREXPLPWXXX for non-euro payments or money from outside the SEPA area. If a payment form asks for the BIC regardless, adding BREXPLPW is fine.

Euro payments within SEPA usually arrive by the next business day, and instant transfers in seconds where both banks support them. Fees for SEPA transfers tend to be low as long as everything stays in euros.

Sending money abroad from Mbank S.A. (Formerly Bre Bank S.A.)

What you pay for a payment abroad is made up of more than one component – not just the fee on your screen. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if the money changes currency the bank often applies a rate that is less favourable than the actual market rate.

Many banks rarely list the margin on the rate as a cost. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

For a lot of routes, a transfer service turns out to be cheaper than a bank. Before your next transfer, take a minute comparing the total cost on GoldexPay instead of going straight to your bank. Choosing a specialist does not mean closing your account at Mbank S.A. (Formerly Bre Bank S.A.): you simply pay the service from your account.

What the XXX in BREXPLPWXXX means

The structure of a BIC never changes: a bank code of four letters, a two-letter country code and two for the location, sometimes followed by a branch code. Combined, those parts make up BREXPLPW.

The full version has a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, which is why BREXPLPWXXX and BREXPLPW lead to the same place.

In practice the code is typed in capitals, without spaces or dashes. Watch for the letter O and the digit 0 or I versus 1; they are easy to mix up.

Mbank S.A. (Formerly Bre Bank S.A.): head office code versus branch codes

Our directory lists 36 SWIFT/BIC codes for Mbank S.A. (Formerly Bre Bank S.A.) in 26 cities. Next to the head office code BREXPLPWXXX, there are codes for branches, departments or specific services.

Usually you do not need to look up a branch: payments addressed to BREXPLPWXXX reach Mbank S.A. (Formerly Bre Bank S.A.) correctly. Only use a branch code when your contact explicitly asks for it.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes can change when banks reorganise, so a code from an old document is not always valid.

When will the money arrive at Mbank S.A. (Formerly Bre Bank S.A.)?

There is no single answer for every transfer: some arrive the same day or the next. Transfers sent late in the day or just before weekends and holidays usually start the next business day. Extra checks on larger or unusual payments can also add a delay, even when all details are correct.

If a transfer seems late, contact your bank for the tracking status and the transaction reference so they can trace it along the chain. Money transfer services often provide tracking online so you can see where the money has got.

A delayed transfer has to be investigated by the sending bank, using the payment confirmation. Request from the sender a copy of the payment confirmation including the reference.

Polish Zloty (PLN) and conversion costs

Poland pays in the Polish Zloty, code PLN. Money sent in a different currency is converted into PLN on its way to Mbank S.A. (Formerly Bre Bank S.A.). Each conversion eats into the amount, even when no fee is shown.

Who converts the payment makes a difference: every bank has its own margin. In many cases it is cheaper to send PLN directly through a provider that converts near the mid-market rate, so that the receiving bank does not need to convert again.

Exchange rates change all the time – some services let you fix a rate in advance. With bigger transfers, a small gap in the rate adds up quickly.

Watch out for payment fraud

Stay wary if a contact suddenly asks you to pay into a different account or a bank in another country. That BREXPLPW is a real code does not mean that the account is legitimate – fraudsters use real bank codes as well.

Before paying, confirm a change of bank details by phone on a number you know, not one from the message. Pressure or secrecy tend to be warning signs – a real supplier can wait a day. Already paid? Contact your bank straight away and ask them to try to recall the payment and report the fraud.

People receiving money are targeted too: a classic trick is a buyer who pays too much and then sends a request to refund the difference. Do not act before the money has really arrived – ask Mbank S.A. (Formerly Bre Bank S.A.) if something looks wrong.

What to give a sender who pays you at Mbank S.A. (Formerly Bre Bank S.A.)

A sender in another country needs a few details from you – incomplete details often cause delays. Give them the account holder’s name, your account number or IBAN, SWIFT code BREXPLPWXXX and your address.

You can include the bank name and its city as well. Check the details before you send them – a sender rarely spots a mistake in someone else’s details.

An incoming payment will not always arrive for the full amount. Charges on incoming payments vary from bank to bank – the price list of Mbank S.A. (Formerly Bre Bank S.A.) tells you what applies. On invoices, it is common to state how the fees are split, so that nobody is left short.