Use instant transfer

Send money in seconds, anytime, 7 days a week

About the service

The Instant Transfers service enables money to be sent from accounts in PLN to accounts in other banks within seconds. Everything is done in compliance with the highest safety standards.

Instant transfers are:

  • speed – the transfer reaches the beneficiary within a few dozen seconds
  • availability – the service is also available on holidays, when interbank Elixir clearing is not done (traditional domestic Elixir transfers)
  • direct transfers – the money is transferred directly to the beneficiary's account, without participation of intermediary entities or accounts
  • ease of use – make transfers conveniently through Millenet
  • fixed fee – the fee is independent of the transfer amount


Account type
Instant transfer fee
Daily limit
Millennium 360°
9.90 PLN
10 000 PLN
Other individual/Prestige accounts
10 000 PLN
Private Banking accounts
50 000 PLN
Biznes accounts
10 PLN
20 000 PLN

The service is provided in the Express Elixir system, delivered by Krajowa Izba Rozliczeniowa S.A.

Currently you can make Instant tranfers to: Alior Bank, BNP Paribas, Bank BPS, Citi Handlowy, Crédit Agricole, Getin Noble Bank, Idea Bank, ING Bank Śląski, mBank, Narodowy Bank Polski, neoBANK, PKO Bank Polski, Podkarpacki Bank Spółdzielczy, Santander Bank Polska, SGB-Bank and T-Mobile Banking Services provided by the Alior Bank.

The current list of participating banks (including the full list of cooperative banks associated with BPS and SGB-Bank) along with the payment cut-off times can be found on the Express Elixir website.

You can find Bank Millennium current price list for individual customers here.

You can find Bank Millennium current price list for business customers here.

How to use

You can use the service if you have:

  • active access to the Millenet transactional system or mobile app
  • active access to the Millenet transactional system or mobile app a current account in PLN, from which the transfers can be made
  • sufficient money on the account to make the transfer

To make a transfer:

  1. 1
    How to use -

    Log in to Millenet

    In Millenet, select Make a transfer button.

  2. 2
    How to use -

    Fill-in the transfer form

    When filling-in the form you can use the list of defined domestic beneficiaries. Select the option Instant transfer.

  3. 3
    How to use -

    Confirm the transfer

    Instant transfers sent to trusted recipients do not require confirmation with the SMS P@ssword or Mobile Authorisation. In other cases, an additional transaction confirmation is required to order a transfer.
    The funds will reach the recipient's account in just a few seconds!