Profit Savings Account

Get as much as 2.7% annually

with Profit Savings Account special offer on new funds up to 200 000 PLN for 3 months

Profit Savings Account Check now
Show full content Konto Oszczędnościowe Profit savings account is managed via the current account, which also provides access to other banking services. Fees and rules related to maintaining current account are stipulated in Rules and regulations of providing banking services for Individuals at Bank Millennium S.A. and in Price list – fees and commissions. As regards new money on Konto Oszczędnościowe Profit a promotional interest rate of 2.7% per annum applies during 92 days on amounts up to PLN 200,000 and 1.5% per annum for surplus over the amount of PLN 200,000 – from the day, on which the first new money gets deposited on Konto Oszczędnościowe Profit during the Promotion Period, which is until 10.03.2018. In case of the second and subsequent deposits of new money the validity of the promotional interest rate for each of these deposits shall be shortened by the period from the day of the first deposit until the day of making the particular subsequent deposit. Only one promotion at time is available for Konto Oszczędnościowe Profit. Promotion details in the “New Money on Konto Oszczędnościowe Profit. Edition 6” Regulations and in the Price List – Interest Rates, available in Millennium branches as well as on After the period of validity of promotional interest rate the standard variable interest rate shall apply as per the Price List – Interest Rates. The first withdrawal/transfer from Konto Oszczędnościowe Profit shall be free of charge. The second withdrawal/transfer as well as all subsequent ones shall be in accordance with the Price List – Interest Rates. Legal note
Cash Loan

Only 100 PLN for each 5000 PLN borrowed (APR 7.68%)

Get our Cash Loan online with 0% commission and give your loved ones exactly what they need

Cash Loan Find out more
Show full content Representative example for Cash Loan with „100 zł raty za każde 5000 zł pożyczki” promotion: Annual Percentage Rate (APR) is 7.68%; total loan amount (net of debt-financed costs): PLN 5,000; total amount due: PLN 6,000; fixed interest rate 7.42%; total cost of the loan: PLN 1,000 (including: commission 0% (PLN 0); interest PLN 1,000; additional services PLN 0, including insurance PLN 0); 60 monthly equal instalments of PLN 100. The calculation was made as of 24.11.2017 on a representative example.

Promotion „100 zł raty za każde 5000 zł pożyczki” is valid from 25 November 2017 till 14 April 2018 and applies to uninsured Cash Loans granted for a period of 60 months with total loan amount of PLN 5,000, or PLN 10,000 or PLN 15,000. The Promotion is available to Clients who during the day of filing an application were not a party to an agreement on cash loan in the Bank and declare in Cash Loan agreement to transfer their salary or net income to current account in Bank Millennium. Offer will be available in Millenet and mobile application by January 20th 2018. The Promotion can be had only once during its period. The Promotion does not apply to loans assigned for repayment of other credit products. The Promotion shall not be combined with other promotions concerning cash loans.

Detailed terms and conditions of the Promotion are stipulated in „100 zł raty za każde 5000 zł pożyczki” Promotion Regulations. Details concerning the principles of granting loans are contained in the Regulations on Loans Granted to Individuals by Bank Millennium S.A.

Fees, commissions and interest are charged as per the Cash Loan Price List. The above-mentioned documents are available in the Bank’s branches and on Prior to granting the loan the Bank evaluates the Applicant’s credit capacity and creditworthiness on a case-by-case basis; in justified cases the Bank may refuse to grant the loan. The borrower has the right to withdraw from the agreement without stating the reasons within 14 days from the day of its signing.
Loan cost and legal note

Benefit from our services


  • Przyjazny Bank Newsweeka 2017

    Przyjazny Bank Newsweeka 2017

    1st place in categories: Bank for Kowalski, Mobile Banking
    2nd place in category: Bank in the Internet

  • BAI Global Innovation Awards 2017

    BAI Global Innovation Awards 2017

    Winner in the category Breakthrough Collaboration in Financial Services for e-administration in online banking

  • Global Finance 2017

    Global Finance 2017

    Bank Millennium among winners in this year's international ranking

  • Euromoney Award for Excellence

    Euromoney Award for Excellence

    The Central and Eastern Europe's best bank for Corporate Social Responsibility

  • Golden Banker 2017

    Golden Banker 2017

    Bank Millennium wins in the category: Personal account.

  • Golden Bank 2017

    Golden Bank 2017

    Bank Millennium third in Poland in Golden Bank ranking: Best customer service

  • Golden Banker 2017

    Golden Banker 2017

    Bank Millennium wins in the category: Security – best practices.

  • 2017 Institution of the year

    2017 Institution of the year

    Bank Millennium named the best bank for online account opening process.

  • Service Quality Star

    Service Quality Star

    Bank Millennium was honoured with the prestigious Service Quality Star award.

  • Consumer’s choice

    Consumer’s choice

    The highest level of satisfaction and acceptance in the “Banking services” category.

Mobile and online banking

Decision of Chairman of UOKiK No. DOIK-12/2017. The decision is not legally valid - in Polish
The Chairman of the Office for Competition and Consumers in his decision No. DOfK-12/2017 recognised as a practice infringing collective consumer interests the activity of Bank Millennium Spółka Akcyjna with seat in Warsaw consisting in sending to consumers of information that the ruling of the Court of Appeals Ref. No. VI Aca 420/11 is constitutive, i.e. it has consequences for the future, and its effectiveness with respect to third parties arises as of the moment of entry in the register. Thus, we cannot recognise that the ruling you are referring to is applicable to your situation. This information misled the clients, for it needs to be indicated that the judgment recognising the provision of the standard agreement as prohibited has a declaratory nature, while the provision of the standard agreement entered in the register of provisions of standard agreements recognised as prohibited is ineffective ex tunc [i.e. from the outset]. Consumers who question contractual provisions, which have already been entered in the register of prohibited provisions with respect to Bank Millennium Spółka Akcyjna with seat in Warsaw under numbers 3178 and 3179, can quote the Court of Appeals ruling in this case (Ref. No. VI Aca 420/11), while the court is bound by the ruling upon the law as such.
The text of decision No. DOIK-12/2017 is available on the website The decision is not legally valid.