Client may get access to Electronic Banking Channels at any Bank Millennium branch, courier process or with prepaid card. Client receives MilleKod and Password1 allowing him to login to Millenet. 

MilleKod is a unique 8-digit system identifier for every Client in Millenet. It is possibile to set more friendly name for the MilleKod number. Your own name for MilleKod must consist of a minimum of 8 and a maximum of 16 numbers or characters and must be unique in the system.

Password1 shall be required at the first logging into Millenet. Upon the first logging the system will force User to change Password1 into his private one.

Client can also sets the Daily tranasactions limit for the system. Daily transactions limit constitutes daily limit for transactions, which may be ordered through the Millenet system.

Password1 is used for logging into the Millenet system. Bank's Client receives the above password in protected paper envelope, in SMS message (during first login), in Millenet message or in return transfer in online process. Password1 should be used no later than 90 days from the date of issue. Additionally, in the case of delivery in the form of SMS, the message is valid for 15 minutes from the time of sending by the system. After this time, Password1 will expire and it is needed to contact with the Bank in order to receive a new one.

The Millenet system forces change of Password1 upon Client's first logging. At any time Millenet User may change Password1 in My settings > Password Manger.

The Password 1 will be blocked, if it is entered incorrectly 5 times.

• When User recalls correct Password1, it may be unblocked at 801-24-HELP (0-801-24-4357).
• If the User forgot Password1, he should contact Bank's in order to receive a new envelope with Password1.

SMSpasswords are one-time codes sent via SMS to a mobile phone.
SMSpasswords are used to confirm operations in the Millenet online banking system for individual and self-employed Customers.

The one-time codes sent via SMS are an innovative, convenient and secure method of authorising bank transactions.
In fact it brings only benefits:

• you do not have to remember any numbers,
• you do not have to carry any additional devices with you,
• all you need to do a transaction is your mobile phone.

To activate you need to define your mobile phone in the Bank system. New customers can activate service during first visit in Bank branch while signing the agreement. Existing customers can do this using Password2 downloaded from an ATM:

• print Password2 from a Millennium ATM using your credit or debit card of Bank Millennium,
• when you have logged in Millenet the system will ask you to give the number of the mobile phone, to which SMSpasswords will be sent,
• after approval of the number you will get an SMS with the first SMSpassword, which you will have to enter in Millenet,
• at the end of the activation the system will require you to give selected characters from the Password2 printed out in the ATM.

Using SMSpasswords is very simple and intuitive.

• Before starting the transaction make sure that you have with you the mobile phone defined earlier in the system.
• After approval of transaction details in Millenet, SMSpassword will be automatically sent to the pre-defined mobile phone.
• Now it is only necessary to check if the data contained in the SMS message are consistent with the data on the computer screen and type-in the SMSpassword.
• After the system has verified SMSpassword the transaction will be executed.

A mobile phone is essential to use SMSpasswords and confirm operations. There is also possibility of defining trusted beneficiaries, where executing transfers will not require SMSpasswords, mobile would not be necessary.

Password2 is used only for activation/change mobile phone number for SMSPasswords service.

You can print Password2 in Bank Millennium's ATM machine using option Electronic Banking Channels > Password 2 printout.

During first logon to Millenet after Password2 printout system will give you possibility to set/change mobile phone number for SMSpasswords.

Yes, activation is possible through telephone service:

• call 801 24 HELP (0 801 24 4357) or +48 22 598 40 50 (for mobile and international calls),
• choose option 3 (for English),
• choose option 2,
• enter your 8-digits MilleKod,
• enter your 8-digits Password1,
• you will be contacted with an operator in a while,
• after verifying your information the operator will ask you to state the number of the mobile phone, to which SMSpasswords will be delivered,
• you will confirm the transaction by giving the consultant the activation SMSpassword sent to your mobile phone during the call.

SMSpassword authorisation will be required for following transactions:

• ordering a transfer from the Customer's account to accounts of other Customers,
• defining, editing and deleting Standing Orders,
• defining, editing and deleting Trusted Beneficiaries, granting Trusted status to a Beneficiary defined earlier,
• change of settings in options: Personal Data, Security Settings,
• defining and changing settings of the MilleSMS service,
• top-up of Pre-paid mobile phones,
• accepting the Bank's offer as regards credit products,
• agreement constitution with the service supplier,
• issuing supplementary cards to main credit cards,
• Internet payment transfer confirmation.

This is possible for domestic transfers and top-ups of pre-paid phones. For this purpose you must give the transfer beneficiaries and defined phone numbers Trusted status. However defining and editing such trusted beneficiaries does require the SMSpassword.

You do not pay anything for SMSpasswords. Service activation is free-of-charge and the Bank will pay for the SMS messages sent with SMSpasswords.

No, only a mobile phone may be defined in the system and only to such numbers may SMSpasswords be sent.

If the phone number has changed, then the new number should be defined in the system to continue using SMSpasswords. This can be done in one of 2 ways.

Using Password2 downloaded from an ATM:

• print Password2 from a Millennium ATM using your credit or debit card of Bank Millennium,
• when you have logged in Millenet the system will ask you to give the number of the mobile phone, to which SMSpasswords will be sent,
• after approval of the number you will get an SMS with the first SMSpassword, which you will have to enter in Millenet,
• at the end of the activation the system will require you to give selected characters from the Password2 printed out in the ATM.

Through telephone service:

• call 801 24 HELP (801 24 4357) or +48 22 598 40 50 (for mobile and international calls) and ask for activation of SMSpasswords,
• the operator will forward you to the automatic service, where you will need to state the full MilleKod and Password1,
• after verifying Password1 the operator will ask you to state the number of the mobile phone, to which SMSpasswords will be delivered,
• you will confirm the transaction by giving the consultant the activation SMSpassword sent to your mobile phone during the call.

Apart from blocking the number with the mobile network operator you need to block it in Millenet. After logging on to Millenet select the option MilleSMS > SMSpasswords. Here select Delete this number.

However please remember that to later define the mobile phone number you will need Password2 printed out from an ATM, or will have to call the Bank's phone service.

If SMSpasswords were activated and the mobile phone number was defined, then during performance of every transaction, which requires the SMSpassword to be stated, it will be sent automatically by SMS to the mobile phone.

Unlocking the SMSpassword is possible in one of 2 ways:

Using Password2 downloaded from an ATM:

• print Password2 from a Millennium ATM using your credit or debit card of Bank Millennium,
• when you have logged in Millenet the system will ask you to give the number of the mobile phone, to which SMSpasswords will be sent,
• after approval of the number you will get an SMS with an activating SMSpassword, which you will have to enter in Millenet,
• at the end of the activation the system will require you to give selected characters from the Password2 printed out in the ATM.

Through telephone service:

• call 801 24 HELP (0 801 24 4357) or +48 22 598 40 50 (for mobile and international calls),
• choose option 3 (for English),
• choose option 2,
• enter your 8-digits MilleKod,
• enter your 8-digits Password1,
• you will be contacted with an operator in a while,
• after verifying your information the operator will ask you to state the number of the mobile phone, to which SMSpasswords will be delivered,
• you will confirm the transaction by giving the consultant the activation SMSpassword sent to your mobile phone during the call.

The password sent in an SMS message remains valid for 15 minutes from the time it was sent by the Bank. This time is sufficient to receive the message and approve the transaction. If for some reason this period is exceeded you can generate the SMSpassword again without the need to cancel the pending transaction, by selecting Generate new SMSpassword.

If the SMSpassword was not delivered to the mobile phone you can generate the SMSpassword again without the need to cancel the pending transaction. On the screen for typing the SMSpasswords select the button Generate new SMSpassword.

Generating a new SMSpassword is possible 2 minutes after this screen appears.

Yes, just remember to activate roaming service from your mobile network operator. Additionally the Bank enables use of SMSpasswords through mobile telephones working in networks of operators in the United Kingdom.

No, for one MilleKod only one mobile phone number can be given.

Note! Assigning the number to another user, e.g. co-owner of the account, will result in deactivation of the number under the previous MilleKod

It determins the total amount of transactions you can make in one day. The amount of standing orders as transfers rejected due to incorrect data are included in the daily limit. Mentioned restrictions are not applicable to internal transfers between own accounts in Bank Millennium.

The amount of the daily limit can easily be changed in Millenet in Security settings or at a branch. The new limit becomes immediately applicable.

In case of joint account each holder can define the amount of daily transaction limit individually.

Upon logging into the Millenet, any longer idle period in operation results in automatic logout from the system for security reasons.

Idle time may be changed in option My settings > Password Manager by setting the time in minutes (maximum idle time in the system is 15 minutes).

Password Reminder Frequency option available in the My settings > Security settings bookmark sets how often the system will remind Millenet User about changing the password for security reasons.
Proper message will be displayed to the User immediately upon logging into the system and will require entering new Password1 or cancelling the change.

Millenet User may select the information to be displayed in My finances option at bookmark My settings > Display options. Having selected the options of User's interest and having confirmed the changes with Save button, new settings will be entered.

User may choose the account that will be displayed as the first one at bookmark My settings > Display options - option Default account. After choosing proper account and confirming changes with Save button, the new settings will be introduced.

When using the Millenet transaction system, Bank's Client should check whether system logging and operation are in the secure session (https protocol displayed in the website address and "padlock" icon - in case of Mozilla Firefox and Internet Explorer by the website address field and whether the correct Website address is displayed starting from https://www.bankmillennium.pl/osobiste/...
Please, follow also 10 security principles available at the Millenet address - 10 security rules and see movies on security, courtesy of Microsoft, available on the Microsoft's Security movies site.

After a certain period of time when the user stays idle (which means that the user did not change the viewing page) the system will automatically log out. The time after the user is log out can be changed in My settings > Security Settings > Idle time.
In case of the automatic logout please check if your operation was properly executed.