Mobile contactless payments

What are mobile contactless payments?

Mobile contactless payments is a free and easy way to pay even if you don't have your wallet with you. Thanks to Bank Millennium mobile app you can keep your payment card not only in the wallet but also in your phone as a virtual card.

Use it to pay in stores just as you pay by a traditional contactless card - simply hold your phone against payment terminal:

  • issuing and maintaining card in the app is free of charge
  • you pay without the need to log in to the app
  • no internet connection is required to make a payment

Contactless payments benefits

  • No internet required

    No internet required

    To pay you don't have to connect to any network or launch the mobile app. All you need to do is turn on NFC module in your phone settings (e.g. the same way you turn on WiFi).

  • As quick as traditional payment

    As quick as traditional payment

    To pay just unlock the phone and hold it against the terminal. For grater security, all transactions of more than 50 PLN should be confirmed on the terminal with a card PIN.

  • Highest security level

    Highest security level

    Mobile payments work only if NFC is turned on and your phone screen unlocked. You can easily block your card whenever you need in the mobile app or in Millenet.

  • Available for most devices

    Available for most devices

    Mobile payments can be made using phones with Android™ (4.4. and up) and equipped with NFC module, in every store that accepts MasterCard and Visa contactless payments.

How to start using?

  • How does it work?

    Select in the app in a few easy steps which card would you like to pay with.

    You can select counterpart of one of your existing plastic cards (e.g. debit or credit card). For mobile payments you can then use the same PIN you use when paying by plastic card. Plastic card and its virtual counterpart can be used interchangeably - it's as if you has a copy of your card in the phone.

    Alternatively, you can create a new, virtual-only card that has no plastic counterpart and exists solely in the app. For such a card you have to select the account to which it should be linked and set up a PIN.


  • Who can use mobile contactless payments?

    Before you start check if you have a phone with:

    • Android 4.4 or above
    • NFC module (you will find it in phone settings)
    • Bank Millennium mobile app

How to choose a default card for mobile contactless payments?

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3

Start the app
Log in to Bank Millennium mobile app and from the main menu choose Payments > Mobile contactless payments.

Select a default card
From the list select counterpart of one of your existing plastic cards (e.g. debit card) or issue a new, virtual-only card without plastic counterpart.

That's all!
If you have more than one payment app, you will be asked to set Bank Millennium app as default for contactless payments.

1

Start the app
Log in to Bank Millennium mobile app and from the main menu choose Payments > Mobile contactless payments.

2

Select a default card
From the list select counterpart of one of your existing plastic cards (e.g. debit card) or issue a new, virtual-only card without plastic counterpart.

3

That's all!
If you have more than one payment app, you will be asked to set Bank Millennium app as default for contactless payments.

How to pay contactless with your phone in stores?

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Enable NFC module
To pay contactless with your phone the NFC module should be enabled and the Bank Millennium mobile app should be set as default.

Unlock the phone
To pay simply unlock your phone and hold it against the terminal. You don't even have to launch the mobile app.

Pay
When you pay more than 50 PLN, the card PIN will be required. the payment confirmation will be additionally displayed on your phone.

1

Enable NFC module
To pay contactless with your phone the NFC module should be enabled and the Bank Millennium mobile app should be set as default.

2

Unlock the phone
To pay simply unlock your phone and hold it against the terminal. You don't even have to launch the mobile app.

3

Pay
When you pay more than 50 PLN, the card PIN will be required. the payment confirmation will be additionally displayed on your phone.

Frequently Asked Questions

  • How to enable NFC module in my phone?

    The NFC module may be enabled in the same time you create a virtual card. After setting up card PIN you will see a screen allowing to enable NFC module and set Bank Millennium mobile app as default. However, if you do not want to have NFC active at all times, you switch it on and off at will. You can do it easily in your phone settings, the same way as with Wi-Fi or Bluetooth. The exact way of doing it depends on the smartphone model. The function may be available either on the settings list, or when you choose 'More' option. The easiest way is to search NFC shortcut in phone settings browser. Some smartphone models may not have the NFC module. If so, the contactless mobile payments cannot be performed.


  • How to set Bank Millennium mobile app as default?

    If you haven't set Bank Millennium mobile app as deafult in the course of creating a virtual card, you can do it after enabling NFC (read above). There should appear either 'Tap & Pay' or 'Touch & Pay' option (depends on a phone). Choose the option and mark the Bank Millennium app as default. You can also do this directly in the mobile app by selecting Payments > Mobile contactless payments and clicking on Settings under the image of the default card.


  • Are persons under 18 eligible to use mobile contactless payments?

    The process requires the user to conclude an agreement on the use of the card. Under applicable law, underage persons cannot enter into such an agreement. Mobile contactless payments are thus available only to card holders.


  • How to check what Android version I have?

    Select Settings > About phone or About device (depends on a phone). The mobile contactless payments may not be performed by phones with Android version earlier than 4.4 as well as by phones without NFC module.


  • How much does it cost to use a virtual card?

    Creating and using the card is free of charge. Detailed cost information is available in Price List - HCE Mobile Debit Card, Regulations - Mobile Debit Card HCE and in Regulations - virtualized cards.


  • Can I pay with my phone in a case?

    Sometimes, depending on the payment terminal, phone case may interfere with NFC module and as a result payment may not be processed. While making the payment try not to make any abrupt moves - just hold the phone still for a while. The data exchange between your phone and payment terminal will be indicated by an animation on your screeen. Once the process is completed, your phone will vibrate.


  • Why there is no 'Mobile contactless payments' option when I go to 'Payments' menu in the application?

    Probably your phone either uses Android version earlier than 4.4 or is not equipped with NFC module. If so, the mobile contactless payments may not be performed. Mobile contactless payments will be also unavailable for the users under 18 years of age.


  • Do I have to be Bank Millennium customer to use the service?

    Yes, you do. The service is available for all the customers who have a current account and use Bank Millennium mobile app.


  • Where can I pay contactlessly by phone?

    The virtual card (virtual only and virtual with plastic counterpart) may be used at any store in Poland and all over the world, where MasterCard or Visa payments are accepted.


  • How long is my virtual card valid?

    The virtual card with no plastic counterpart expires after 4 years since issued. You may of course cancel it anytime, and create a new one in the app. Virtual card with a plastic counterpart has the same validity as the plastic card. By changing the limit for the plastic card you change the limit for the virtual card as well.


  • How can I change the virtual card limit?

    After creating a virtual card without plastic counterpart, its limit equals 1,000 PLN. It can be changed anytime either in application, or via Millenet. This limit counts separately from other payments limits at off-line stores. Card with a plastic counterpart has the same limit as the plastic card. Both cards share a joint limit.


  • Can I create a virtual card in Millenet?

    The card may be created only in mobile app. After doing it you will be able to see the card in your Cards list in Millenet.


  • How to block a virtual card?

    You can block the virtual card, both virtual-only or with a plastic counterpart, the same way as any contactless plastic card. Click for card details in the app or in Millenet and choose the Cancel option. You may also do it by visiting a branch or calling (+48) 22 598 41 14 (helpline available 24/7). Apart from that, the card may be temporarily enabled in the mobile app. To this end, on the screen with mobile contactless cards select "Disable mobile contactless payments".


  • What kind of phone do I need to perform contactless payments?

    You can do it only with a phone using Android version 4.4 (and later), as well as equipped with NFC module. Mobile contactless payments may not be available on phones with Intel processors.


  • Do I need Internet connection to perform a payment?

    No, you can make a certain amount of transactions offline. From time to time you will get a notification asking you to connect briefly with Internet in order to renew the amount of transactions available offline.


  • Is logging in to mobile app needed in order to perform payments?

    No, you don't have to log in. Only make sure NFC module in your phone is enabled. If so, ulock the phone and move it close to a terminal. If you pay more than 50 PLN, PIN to the card will be required.


  • How can I use the card?

    With a virtual card you may pay in traditional stores as well as withdraw cash at ATMs.


  • What is the PIN to virtual card with a plastic counterpart?

    Virtual card with a plastic counterparts has the same PIN as the plastic card.


  • How many virtual cards can I hold at a time?

    You can have only two virtual-only cards at a time, i.e. one virtual MasterCard or one virtual Visa card. Additionally, you can virtualize all your plastic cards. Just remember that there can be only one default card for mobile contactless payments.


  • How can I change the default card for mobile contactless payments?

    You can change the default card any time in the mobiel app in Payments > Mobile contactless payments.


  • How do I know which card is set as default for mobile contactless payments?

    The default card is marked on the main app screen/product list as Default card for mobile contactless payments. Additionally, you'll check which card is default in Payments > Mobile contactless payments.


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