mBank eMakler
PIT-38 from mBank eMakler: the transaction history and what it omits
eMakler exports a transaction history — a CSV whose real header hides under a few rows of description. Below is exactly what our engine reads, and where this format misleads.
Where to get the file
- Sign in to mBank online banking and open eMakler.
- Open the transaction history and set the range to the whole tax year.
- Download the CSV.
- If you sold something bought earlier, download those years too.
What is inside
- Description above the header
- The first rows are metadata, not data. The real header starts lower — a spreadsheet opens such a file crookedly.
- Semicolon separates columns
- The comma is the decimal mark, as in every Polish export.
- Space as the thousands separator
- Amounts read “1 234,56”. Parsed naively the number stops at the space and twelve hundred becomes one.
- Currency next to the rate, separately for commission
- The trade may be in one currency and the commission in another — often złoty even when buying in dollars. Two currency columns, two different rates.
Where it goes wrong
- Commission in złoty on a foreign-currency trade
- The commonest manual mistake: converting the commission at the trade rate although it is already in złoty. The cost comes out four times too high.
- A brokerage account is a separate account
- FIFO runs separately per investment account (art. 30b ust. 7). eMakler holdings must not be mixed with the same shares held elsewhere.
- The history may be shorter than you need
- The service shows a limited range back. If the shares were bought long ago, the acquisition cost needs those years — worth downloading in advance.
What we compute from it
- Shares and ETFs — section C/D
- FIFO for the eMakler account alone, art. 30b ust. 7.
- Commission as cost
- Added at its own rate, not the trade rate.
- Conversion to złoty
- NBP rate from the day before income is realised, art. 11a ust. 1.
Run this once
claude mcp add --transport http taxroam https://taxroam.com/mcp --header "Authorization: Bearer $TAXROAM_KEY"Where this export usually goes wrong
- FIFO per account
- One shared pile across all accounts
- The NBP rate
- The trade-date rate
Questions about eMakler
I also hold an account elsewhere. Should I merge the files?
Send both, but we compute them separately: FIFO runs per account. Merging them would over- or understate the acquisition cost.
Do dividends from Polish companies need reporting?
For Polish companies the tax is withheld by the payer and they do not enter PIT-38. Foreign dividends do.