What are mobile contactless payments?
It's an easy way to pay without wallet. With our mobile app you can pay with your phone just as you pay by plastic card - simply hold your phone against store's payment terminal:
- without the need to log in to the app
- with no internet connection required while paying
- with 0 PLN fee for activating and using mobile contactless payments
Contactless payments benefits
How to start using?
Log in to Bank Millennium mobile app and from the main menu choose Payments > Mobile contactless payments.
Either a counterpart of one of your plastic cards, or issue a virtual-only card without plastic counterpart (for this card you need to set up PIN).
If you have more than one payment app, you will be asked to set Bank Millennium app as default for contactless payments.
How to make contactless payments in stores?
To pay contactless with your phone the NFC module should be enabled and the Bank Millennium mobile app should be set as default.
To pay simply unlock your phone and hold it against the terminal. You don't even have to launch the mobile app.
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
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
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.
Remember that you can have a virtual counterpart of your supplementary card only if such a card is issued in your name and associated with the main card that you are the holder of.
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.
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.
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.
For underage Clients who have a debit card it is possible in the mobile app to activate mobile contactless payments for a debit card with the prior consent of a statutory representative. HCE mobile cards are dedicated to persons with full legal capacity.