About the product

The current account overdraft facility will allow you to manage your current expenses, maintaining a safe level of financial liquidity. You do not have to remember to repay the loan – every inflow to the account will reduce the outstanding debt automatically. You can use the money many times to make a payment because an overdraft is renewable.

Such credit is particularly attractive especially when your company is an active operator and receives inflows to its account regularly (payments from counterparties, tax refund etc.).


  • You keep financial liquidity even in a situation of temporary payment crunch.
  • You can plan current expenses without fear ― thanks to permanent access to the granted credit you can pay your liabilities on time.
  • Save time ― inflows to the account automatically reduce your outstanding debt.
  • You can reuse the repaid amount even many times within your overdraft limit.
  • You can use the overdraft whenever and wherever you want – current information and control of debt service cost is always possible with use of the Millenet internet banking system.
  • Under one agreement you may flexibly use even several credit products at the same time (multi-product line). 

Support for companies

Bank Millennium and the EIB Group (European Investment Bank and European Investment Fund) support small and medium-sized enterprises affected by the effects of COVID-19.

Thanks to this cooperation and with the support of the European Guarantee Fund you will:

  • get funds for working capital
  • increase the financial liquidity of your company
  • increase your investment potential
  • receive favorable financial conditions

Who can benefit from this solution?

  1. Entrepreneur from the SME segment according to the EU definition.
  2. An entrepreneur who does not operate in sectors excluded from the support of the European Investment Bank.
  3. An entrepreneur whose activities and investments do not have a negative impact on the environment and are not ethically and morally controversial.
  4. An entrepreneur who does not benefit from other public aid, e.g. BGK guarantees, subsidies.
  5. An entrepreneur who obtains a positive creditworthiness assessment.

Detailed information can be obtained from the Corporate Banking Advisor.

Channels of access to product information


Wherever you are, with internet access, you can check account balances and history on a 7/24 basis, also viewing information concerning other products i.e.: cards, loans, guarantees and letters of credit, standing orders or term deposits.

Corporate Branch

Get detailed information about Bank Millennium products by contacting Advisors in the Corporate Banking network.

Contact with Advisor

By phone

Our Consultants will provide you with detailed information and will carry out your instructions. 

801 31 31 31
line available for fixed-line and mobile calls

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Questions and answers