Solutions for SMEs during and after the pandemic

Check how we suport entrepreneurs in this difficult time

In reference to epidemiological situation in Poland we would like to remind you:
  • Try to limit visits at Bank branches and bank safely from the comfort of your home, using mobile app and online banking system
  • If you can – do your shopping as well as payments online
  • In traditional stores make contactless payments by card or phone
  • Only if you need cash, use an ATM
  • Please beware of scammers sending false SMS messages claiming your funds are blocked and follow these basic security rules >


You can do so much without leaving your home

Remember that in Millenet and mobile app you will make most transactions safely and remotely

  • Bank Millennium mobile app and Millenet online banking system are available 24/7
  • using MilleAdministration section in Millenet you can log in to PUE ZUS platform, where you can easily e.g. apply to benefit from exemption from ZUS
  • pay for your shopping - with online transfer, BLIK or contactless payments by phone

Suspension of instalment repayment



If your company was in good financial condition and is currently experiencing temporary problems caused by the pandemic, then you can suspend the repayment of principal and interest instalments or only principal instalments for up to 6 months on special terms.

You can suspend the repayment of cash loan, investment loan or mortgage loan instalments for your business development, depending on your needs.

Do you already benefit from credit holidays?

If you currently benefit from a 3-month postponement of the payment of principal and interest instalments, you can extend their suspension to 6 months.

The application for suspension of instalment repayment can be sent if you meet the following conditions:

  • your credit was granted before 13.03.2020
  • at the time of submitting the application or on 29 February this year you have no arrears in paying off any loans over 30 days

How to get the repayment suspension?



If you run a sole proprietorship or an agricultural activity call TeleMillennium helpline (801 31 31 31 or 22 598 41 61) and log in using TeleCode. Connection fee in accordance with the operator's tariff.

You can get an access to TeleMillennium and Millenet in a Bank's branch.

Regardless of the type of business, you can also apply for instalments repayment suspension in a branch.


  1. Apply via TeleMillennium or in a Bank's branch.
  2. The Bank will analyse your application - you will get an SMS.
  3. In the case of positive decision you will also get a confirmation letter sent to company's coresspondence address or in the case of a loan covered by a de minimis guarantee, you will be invited to sign an annex at a Bank branch.

For what products is the suspension of instalment repayment available?



Suspension of instalment repayment is available for credits repaid in principal and interest instalments and it includes up to 6 following principal and interest instalments or only principal instalments.

The Bank charges no fees for the suspension of instalment repayment.


Cash Loans (repaid in equal instalments)

As a result of suspension of principal and interest instalments:

  • interest accrued for the suspension period will be paid first, i.e. in the next instalments after deferral
  • the number of outstanding instalments will not change, but the repayment period will be extended by the number of suspension months (from 1 to 6)
  • as a result of deferred payment, the total cost of the loan and the last instalment will increase due to accrued interest also during the deferred period; if the last instalment was higher than 3 times the other instalments, the Bank will propose an increase in all loan instalments

As a result of suspension of principal instalments:

  • during the deferral period only interest instalments will be payable on dates consistent with the current schedule, and the first capital instalment will be payable after the deferral period
  • the total cost of the loan will increase and the repayment period will be extended by the number of months in which capital instalments are suspended

Investment loans and Mortgage Loans for Business Development (repaid in equal and decreasing instalments) or cash loans (repaid in decreasing instalments)

During the suspension of repayment, interest is accrued on the capital of the loan that remained to be repaid before deferring repayment.

As a result of suspension of interest and principal instalments at the end of the deferral period:

  • interest will be added up and added to the amount of debt
  • the principal and interest instalments will be recalculated in the remaining repayment period, taking into account the increased amount of debt to be repaid and the repayment period extended by the selected number of months of the repayment period (from 1 to 6) - therefore subsequent loan instalments will be higher

As a result of suspension of principal instalments:

  • during the deferral period only interest instalments will be payable on dates consistent with the current schedule, and the first capital instalment will be payable after the deferral period
  • the total cost of the loan will increase and the repayment period will be extended by the number of months in which capital instalments are suspended

The difference in instalments before and after suspension will depend on:

  1. remaining repayment period - the longer it is, the smaller will be the difference in instalments (the loan amount will be spread over more instalments), but at the same time the sum of interest instalments paid in the whole period will be greater than for a shorter period (interest paid for longer period of time)
  2. credit amount - the higher it is, the greater will be the difference in instalments paid in PLN
    1. the instalment type:
      • decreasing instalments - the amount of interest decreases during repayment, so the shorter the period remaining, the interest accrued during the deferral will be lower
      • equal instalments - the interest share in the instalment is higher in the initial repayment period and smaller in the final repayment period, so the closer the end of repayment, the smaller the amount of interest will be suspended during the postponement, and then added to the principal amount

BGK guarantees



For small and medium enterprises (SMEs) we offer a program using BGK guarantees under new, more favorable conditions, introduced to reduce the effects of the COVID-19 pandemic:

  • increase the guarantee range to 80% of the loan amount, for new guarantees and in the event of renewal or increase of the loan amount,
  • no BGK commission for granting the guarantee,
  • extension of the maximum guarantee period to 39 months for a working capital credit.

During the pandemic the Bank maintains for you access to all service channels and possibility of cooperation regarding all products and services


To limit the spread of the virus, most of our employees work remotely from home, but ensure full availability and willingness to support your business. Bank Advisors are at your disposal - they are the first line of contact in all matters related to ongoing banking services. Technical support for electronic banking channels is available unchanged on business days from Monday to Friday from 8:00 a.m. to 18:00 p.m. under the number: 801 632 632.

Most of the Bank Millennium branches will be open



Due to the current recommendations of the Minister of Health, some branches may function differently than usual. Before your visit, make sure that the branch you want to go to is open. Details can be found on our website >

If you don’t feel completely healthy, you have a cough, sore throat, fever or other symptoms, we advise you to skip the visit in the branch and to get in contact with a doctor.

Keep in mind that most operations and payments can be done safely from home in Millenet or the mobile app.


In case if you will go to a Branch, remember about a few safety rules:
  • In the coming days, due to a special protection against illnesses, a fewer number of Clients may stay at the branch. Our employees will ensure to control the situation in this respect.
  • Please keep a safe distance during your visit, as recommended at least 2 meters from other people.
  • Withdraw cash from an ATM by card or BLIK, or the notice of withdrawl please submit to a teller. For your safety we clean devices located in our branches on a daily basis. We use both specialized cleaning agents for electronic equipment as well as disinfectants for the keypads.

In addition, we ensure that your money is secure. You can find more information about this topic on the Bank Guarantee Fund website. Keep in mind that for the majority of our accounts, cash withdrawals from any ATM are free of charge.