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Solutions for entrepreneurs during and after the pandemic
Check how we support companies 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.
At Bank Millennium, you can remotely transfer and sign documents. Electronic document flow through Millenet for Companies allows for the transfer and receipt of digital documents and the conclusion of contracts using a qualified certificate e-signature. Thanks to this, we can significantly reduce the time related to the circulation of documents when signing the contract.
This solution is available to all institutional clients and companies with an annual turnover of more than PLN 5 million.
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 use contactless payments with card or phone
Only if you need cash, use an ATM. For the majority of our accounts cash withdrawals in Poland from any ATM are free of charge
Currently, the waiting time for the consultant and the answer to questions sent via e-mail may be slightly longer. We ask for your understanding in this difficult time. We assure you that we do everything to answer all your questions as quickly as possible.
You can do so much without leaving your home
Remember that in Millenet for Companies you can safely and remotely:
add access to Millenet to new employees and extend access for existing users, including granting authorization to authorize transactions,
payment cards service, including changing limits or ordering new cards,
opening additional accounts in various currencies,
order convoys handling cash transport,
send documents regarding loans granted and factoring,
carrying out factoring transactions,
manage letters of credit, bank guarantees and counter-guarantees at every stage of implementation - from order entry to closing of the transaction,
conclude transactions on the currency market,
obtain support through the online help system.
Remember, that thanks to the Millenet LINK service we offer the possibility of direct integration of your company's financial and accounting system with our online banking system Millenet for Companies (learn more about the Millenet LINK service).
Interest subsidies programme
Interest subsidies are a form of state aid, which aims to assure financial liquidity, especially short and medium-term, lost or threatened with loss in relation to effects of the spreading of COVID-19. They are paid by the Interest Subsidies Fund created in BGK.
If you have a business afflicted by such effects then you can apply for real support in the form of interest subsidies in accordance with the rules below:
The interest subsidies programme is available to Customers who by 30.06.2021 sign with Bank Millennium a current account overdraft agreement, or working capital loan agreement, or annnex adjusting the provisions of any such agreement to the requirements stipulated in the Act of 19 June 2020 on additional payments to the interest rate on bank loans granted to businesses affected by Covid-19 and on simplified procedure on approval of arrangement in relation to occurrence of COVID-19).
In Bank Millennium the programme is available to Corporate segment businesses. The amount of the loan interest subsidy depends on the Customer’s size - SMEs (as defined in EU Commission Regulation 651/2014) get 2 pp, other businesses get 1 pp. and it is provided during a maximum period of 12 months from the day of signing the contract. The additional payments are paid from the Interest Subsidies Fund in BGK (the remaining part of interest due to the Bank shall be paid by the Customer) and constitute state aid provided within the limit of EUR 800,000 per business.
Eligible for interest subsidies are businesses, which satisfy requirements stipulated in the Act of 19 June 2020 on additional payments to the interest rate on bank loans granted to businesses affected by Covid-19 and on simplified procedure on approval of arrangement in relation to occurrence of COVID-19, including jointly:
as of 31 December 2019 were not satisfying criteria of an undertaking in difficulty in the meaning of art. 2.18 of Commission Regulation (EU) No 651/2014 of 17 June 2014;
carry out business activity in the Republic of Poland in the meaning of the Act of 6 March 2018 Law on Undertakings or carry out activity in the sector of basic production of agricultural products or have suspended this activity after 1 February 2020 in relation to the consequences of the spreading of COVID-19;
have not taken another loan under the Act of 19 June 2020 on additional payments to the interest rate on bank loans granted to businesses affected by Covid-19 and on simplified procedure on approval of arrangement in relation to occurrence of COVID-19;
in relation to COVID-19 have lost financial liquidity understood to mean ability to pay due and payable liabilities on time or are threatened by loss of financial liquidity.
This information does not constitute an offer in the meaning of art. 66 of the Act of 23 April 1964 - Civil Code and may not be considered to be a promise to grant a loan, granting of the loan or changing the terms of a granted loan or any other obligation of the Bank to perform a benefit.
Unified rules for offering assistance tools
Credit holidays extended from 18.01.2021 to 1.03.2021
Credit holidays are dedicated for customers who had good financial standing before the COVID-19 epidemic and are currently experiencing temporary problems caused by the epidemic.
For detailed information contact Corporate Banking Consultants.
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 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, some 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, as well as Consultants, Specialists in specific product areas and currency dealers. 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 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.
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.