• a birth certificate – if you are the parent
• a court decision on guardianship – if you are a court-appointed guardian

For security reasons, you can define or change the phone number for SMS Passwords for a child’s account only at a bank branch.

Bring with you:

• your ID document
• the child’s document
• the child’s phone with a SIM card and the new number

Please note! The SMS Password number is also linked to BLIK transfers.

In the application, provide the child’s phone number.

We will send SMS messages needed to open the account to this number.

Important:

• You cannot provide your own phone number.
• One phone number can be assigned to only one customer.
• The number must be Polish — it cannot be a foreign number.

You can also open the account without the child’s phone number.

Children up to the age of 6 cannot use the banking app or BLIK.

From age 7, they can use the app and BLIK.

You can younitiate a transfer from your child’s account via your app or Millenet.
Select the tab: Payments > Transfer.
Just remember to select the junior account as the account from which you are making the transfer.
Transfers from a junior account are subject to the standard spending limit, i.e. the monthly spending limit.

Good to know:

• Children aged 0–6 do not have access to the app, so they cannot initiate any transfers.
• Children aged 7–12 have access to the app, but cannot initiate standard transfers. However, they can younitiate BLIK transfers to a mobile phone, up to PLN 50 per day.
• Once a child turns 13, they will be able to make standard transfers.

A child can change the background in the app on their own.

Children aged 7 and older can do it by going to:
Profile > App settings > App background

A child can choose one of the available wallpapers or add their own.

You can close a child’s account only at a bank branch.

The notice period is 1 month.

Bring your ID and the child’s document with you.

If the balance on the child’s account exceeds the monthly spending limit (so-called ordinary management), court approval is required to withdraw the funds.

First, download our bank's mobile app to your child's phone. You can only activate your child's mobile app on their phone. It cannot be activated on your device.

When opening the account, you decide whether your child will use the mobile app. If you enabled this option, your child received their own login credentials. These credentials are separate from your own.

To activate the mobile app for your child, you will need:

• the child's phone number that was previously provided - we will call this number to confirm the activation
• Millekod - the 8-digit login assigned to your child
• Temporary Password - the 4-digit password you created for your child when opening the account

Exception: If you are reactivating the mobile app for your child, prepare the 8-digit Password 1 instead. This is the password you previously set for your child in place of the Temporary Password.

If your child does not have login credentials because:

• you did not consent to the use of the mobile app, or
• your child was under the age of 7 and therefore could not use the mobile app

You can create login credentials for your child in the mobile app or in Millenet.

In the mobile app, select: Offer > Accounts > Mobile App and Debit Card

In Millenet, select: Offer > Products for kids > Mobile App and Debit Card

You can also order a card for your child in the same way, as long as they are at least 7 years old.

If you do not have access to the mobile app or Millenet, visit one of our branches. We will help you create login credentials for your child.

Bring the following to the branch:

• your identity document
• your child's identity document
• your child's phone

Note: Children under the age of 7 cannot use the mobile app. Once child turns 7, they can use a limited version of the mobile app with the consent of their legal guardian. Maximum limits apply to children aged 7 to 12 and cannot be increased until the child turns 13.

Once the child turns 13, they can use a version of the mobile app similar to the one available to adults. We will also increase the maximum limits. Your child will be able to manage these limits independently in the mobile app. They will also gain access to Millenet, our online banking service.

Whether you can change child's transaction limits depends on child's age and the type of limit.

Children under the age of 7 cannot use the mobile app, make transfers, use a card, or use BLIK. They will be able to use these services once they turn 7.

For children aged 7-12 fixed limit apply to transfer and card transactions. You cannot increase this limit until child turns 13. However, you can reduce it. The exception is the fixed limit for BLIK transactions (this does not apply to BLIK transfers to mobile). This limit cannot be increased or decreased. If you would like to block your child's access to BLIK transactions, please visit a branch.

Good to know: Children aged 7 to 12 can only send BLIK transfers to mobile. They cannot make domestic or international transfers.

If child is 13 or older, you can increase or decrease transfer and card transaction limits. You cannot do this for the BLIK transaction limit (this does not apply to BLIK transfers to mobile). Your child can change the BLIK transaction limit in their mobile app by selecting: BLIK icon on the home screen > BLIK settings > Daily Limits > BLIK payments limits

How do you change child's transfers limits (ages 7-18)?

You can change the limit only at a branch.

Additionally, children aged 13 and over can change their transfer limits (including the BLIK transfer to mobile limit) in their mobile app by selecting: Profile (top left corner) > App settings > Payments, BLIK and card limits > Payment limits and BLIK > Payment limits > Change mobile limit

How do you change child's card transaction limit (ages 7-18)?

You can change the limit in your mobile app. Select: Products > Cards > Select your child's card > More > Card limits

If child is 13 or older, they can change this limit in their mobile app in the same way.

You can also change the limit through our helpline or at a branch.

Note: If you visit a branch, please bring:

• your identity document
• your child's identity document

If child does not have Polish citizenship, you can open an account only at a branch. To open an account, child must be a Polish resident, which means they must have a residential address in Poland and a PESEL number.

You can transfer money to your child's account in the mobile app or in Millenet.

Select: Payments > Own transfer

Then select your child's account, enter the amount, and confirm the transfer. The funds will be credited to the account immediately.

Card transaction limits depend on the child's age.

Children under the age of 7 cannot use a card. They will be able to use one once they turn 7.

For children aged 7-12, the following fixed card transaction limits apply:

• 100 PLN per day for card payments in stores and online
• 100 PLN per day for cashback transactions using child's card
• 50 PLN per day for cash withdrawals using the card at ATMs

You cannot increase these limits until your child turns 13. However, you can reduce them. If your child is 13 or older, the same card transaction limits apply as for adults. However, this does not mean they will be able to make transactions for those amounts. If a transaction exceeds the monthly ordinary management limit, it will be declined.

Regardless of age, a child and their legal guardian share a monthly spending limit. This limit applies only to the child's account and is referred to as the ordinary management limit. The current limit is 9382.05 PLN.

How can you check and change your child's card transaction limits?

The quickest way to check and change your child's card transaction limits is in the mobile app. Select: Products > Cards > Select your child's card > More > Card limits/p>

If your child is 13 or older,they can check and change this limit themselves in their mobile app.

If you need help, please contact our helpline.

A child's transfer limits depend on the child's age.

Children under the age of 7 cannot use the mobile app or make transfers. They will be able to use the mobile app and make transfers once they turn 7.

For children aged 7-12, a fixed transfer limit of 50 PLN per day applies.

You cannot increase this limit until your child turns 13. However, you can reduce it.

Note: Children aged 7 to 12 can only send BLIK transfers to mobile. They cannot make domestic or international transfers.

If your child is 13 or older, they can make all types of transfers and are subject to the same transfer limits as adults. However, this does not mean they will be able to make transfers for those amounts. If a transfer exceeds the monthly ordinary management limit, it will be declined.

Regardless of age, a child and their legal guardian share a monthly spending limit. This limit applies only to the child's account and is referred to as the ordinary management limit. The current limit is 9382.05 PLN.

How do you check and change your child's transfer limits?

You can check your child's transfer limit by contacting one of our advisors. To change the limit, you must visit a bank branch.

Bring the following to the branch:

• your identity document
• your child's identity document

Additionally, if your child is 13 or older, they can check and change their transfer limit (including the BLIK transfer to mobile limit) themselves in the mobile app by selecting: Profile (top left corner) > App settings > Payments, BLIK and card limits > Payment limits and BLIK > Payment limits > Change mobile limit

Good to know: a child aged 13 or older can send up to 5000 PLN in a single BLIK transfer to mobile. The daily limit for BLIK transfers depends on the child's mobile limit.

The quickest way to activate your child's card is in the mobile app or in Millenet.

To activate your child's card in the mobile app, select: Products > Cards > Select Your Child's Card > Activate

In Millenet, select: My Finances > Cards > Activate (next to your child's card)

If you need help, please contact our helpline.

Note: Activate your child's card only after you have received it. If the card is activated before delivery, temporarily block it in the mobile app.

Select: Products > Cards > Select Your Child's Card > Temporary card blockage

You can unblock the card at any time using the same path.

Cards are delivered within 14 days of being sent. They are sent by regular mail. If 14 days have not yet passed since the card was sent, please check your mailbox.

If 14 days have passed and you still have not received the card, it may have been sent to an outdated address.

First, check whether your child's correspondence address is up to date. Then restrict the card. Once the card has been restricted, we will immediately issue and send a new one.

How do you check and update your child's correspondence address?

You can check your child's address with a consultant. You can request a change by calling our helpline or visiting a branch.

If your child is 13 or older, they can also do this themselves in the mobile app by selecting: Profile (top left corner) > My personal details > Address details > Address for correspondence

How do you restrict your child's card?

You can do this in the mobile app. Select: Products > Cards > Select Your Child's Card > More > Restrict the card

Select the most appropriate reason for restricting the card, or choose any available reason.

If your child is 13 or older, they can restrict the card in the same way in their mobile app.

• Your ID
• Your child's ID
• Your child's phone

If your child remembers their previous PIN, they can change it in their mobile app.

Tab: Profile > App settings > PIN change