Bank Millennium enables you to save for goals

Savings goals can be set in the mobile application or Millenet online banking. Progress in saving is presented in a transparent way, and additional support is provided by active, engaging communication that helps build the habit of saving.

— Saving becomes more motivating when it is accompanied by a specific goal. Regardless of whether we are planning a vacation, renovation or buying a car, the Twój Cel Savings Account will be a great tool in implementing these plans. Regularity in saving gives satisfaction and a sense of agency, which is why we reward it with a higher interest rate — says Maciej Żygłowicz, Manager of Customer Solutions Development Team – Savings and Investments in Bank Millennium.

When opening an account, the customer determines the goal of saving and decides how they intend to achieve it. He has a choice of different approaches, which he can flexibly adapt to a specific goal. They can also update their strategy at any time according to their financial situation. Goals can also be used to better manage your budget. They allow you to create virtual "envelopes" for various expenses, e.g. fees or purchases, thanks to which you can plan your expenses in advance.

Thanks to useful functionalities, the customer keeps track of the progress in saving, can personalise the goal by giving it its own name. It is also possible to set up an automatic, monthly transfer to the goal from your personal account. Regularity is additionally rewarded with a higher interest rate. Each customer who systematically increases their account balance by at least PLN 100 each month, receives a promotional interest rate. Savers regularly gain up to 2.75 percent per annum for savings up to PLN 25,000. The current promotion of the Twój Cel Savings Account "Bonus for regularity" lasts until 31.01.2026.

— The latest survey "Finances of Poles" commissioned by Bank Millennium shows that even one in five Poles surveyed does not have any savings. This shows how challenging it is to start systematically saving money, especially for young people who are just entering adulthood. Creating a savings goal can be a very important first step to help guide your actions. Twój Cel is not only a savings account, but above all support in building habits — explains Beata Kuryło, Product Development Expert at Bank Millennium.

The account is kept for PLN 0, deposits and withdrawals from the account are also free of charge. Each customer with a personal account in the Bank can open 10 savings accounts.

Nearly 3 million of Bank Millennium customers actively use digital channels, and over 2.7 million use banking on mobile devices. As many as 95 percent of term deposits are opened online, which confirms the high attachment of customers to digital solutions in the field of personal finance. In accordance with the "Value and Growth" strategy for 2025-2028, the Bank wants to increase the deposit and investment funds of its clients and thus its market share. It intends to achieve these goals by improving customer service, expanding its product offering, and further digitalisation. The Twój Cel Savings Account is the first in a series of projects supporting savings, which expands the bank's savings and investment offer.

More on the Bank’s website: www.bankmillennium.pl/en/individuals/saving-and-investments/saving-accounts/twoj-cel-savings-account

The "Finances of Poles" survey was carried out on 6-12 June 2025 by Ogólnopolski Panel Badawczy Ariadna research agency for Bank Millennium on a representative sample of 1046 people using the CAWI method.

Disclaimer

We make the Twój Cel Savings Account available only to holders of a personal account (payment account). Maintenance and transfers from the Twój Cel Savings Account are free of charge. The standard interest rate on the Twój Cel Savings Account is variable. Detailed information on the rules of maintaining the Twój Cel Savings Account is set out in the General Regulations for the provision of banking services to individuals in Bank Millennium S.A. and Price lists – interest rates, available in the Bank's branches and on the website www.bankmillennium.pl/en/individuals/saving-and-investments/saving-accounts/twoj-cel-savings-account. . The above concepts are explained in the list of representative services available at www.bankmillennium.pl/delegate/managedfiles/824/latest.