Solutions for SMEs during and after the pandemic

Check how we suport entrepreneurs in this difficult time

Financial support for enterprises under the PFR Financial Shield 2.0

Financial support for enterprises under the PFR Financial Shield 2.0

You can apply for financial support for micro, small and medium enterprises under the Financial Shield of the Polish Development Fund (PFR) via Millenet. Find out more about the online application and the Bank's role in the programme.

In reference to epidemiological situation in Poland we would like to remind you:
  • 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

Jak samodzielnie odblokować
hasło do logowania?

Jeśli nie pamiętasz swojego hasła lub zostało zablokowane, możesz bezpiecznie ustalić nowe bez potrzeby kontowania się z Bankiem.

blocked password message
  • Hasło do logowania możesz odblokować samodzielnie na stronie Banku. Na stronie logowania wystarczy wybrać "Pomoc z logowaniem" i wybrać z listy temat pomocy. W trakcie ustalania nowego hasła, Twoją tożsamość potwierdzimy, zadając Ci kilka pytań, a potem wysyłając H@sło SMS na Twój numer telefonu. Hasło może też odblokować w placówce lub dzwoniąc na infolinię.
  • Jeśli podczas samodzielnego odblokowania hasła zostaną wprowadzone błędne dane, zablokujemy dostęp, aby uniemożliwić ewentualną próbę włamania na Twoje konto - aby odblokować, konieczny będzie kontakt z infolinią, gdzie potwierdzimy Twoją tożsamość.
blocked password message

PFR Financial Shield 1.0

PFR Financial Shield 1.0

If your company received a subsidy under PFR Financial Shield programme, remember to confirm by 31 January 2021 that the person submitting the application (and any appeals) was entitled to represent your company.

If you run a sole proprietorship, we will try to verify the entitlements in the CEIDG database on our own and we will only ask for confirmation in Millenet. In case of discrepancies, additional documents should be sent.

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.

Suspension of instalment repayment

Suspension of instalment repayment

If your company is entitled to benefits under the PFR 2.0 Financial Shield, i.e. it operates in one of the industries listed on the website of the Polish Development Fund, you can suspend the repayment of principal and interest instalments or only principal instalments on special terms.

Most of the Bank Millennium branches are open



Due to the current epidemiological situation, Bank Millennium branches may function differently than usual. Before the visit, check if the branch you want to visit is open and in which hours. 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 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.


Service for people over 60 years of age


In all branches, from Monday to Friday, from 10 a.m. till 12 p.m. we serve Clients over 60 years of age in the first place.


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.