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Up to 700 PLN with Millennium 360° account and a debit card
Meet the special offer conditions to get the bonus
Up to 700 PLN waiting for you in a current account special offer!
200 PLN – quickly, easily, and directly to your account!
Open a Millennium 360° online account with a debit card and give your marketing and commercial consents. Then, within 14 days of opening the account:
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Ensure inflows of at least 3,000 PLN to the account opened in special offer, or if you are between 18 and 25 years old you need inflows of at least 1,500 PLN
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Make 5 payments using a mobile wallet (e.g. Apple Pay/Google Pay)
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Register your phone number to receive BLIK transfers in our mobile app
Act and earn 500 PLN!
To receive 500 PLN in each of the 5 consecutive months, following the month in which the account was opened:
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Each month, ensure inflows of at least 3,000 PLN to the account opened in special offer, or if you are between 18 and 25 years you need inflows of at least 1,500 PLN
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Pay by debit card in stationary shops to make payments totalling at least 1,000 PLN each month (we also take into account mobile payments, e.g. Apple Pay, Google Pay or Samsung Pay)
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Register your phone number to receive BLIK transfers in our mobile app and do not deregister it for 5 consecutive months following the month in which you opened your account
The special offer "Do 700 zł na Twoje przyjemności z kontem Millennium 360°" runs until 27.10 2026. The limit for accounts is 300,000. Learn about details in the terms and conditionslink opens in a new window/span>.
To receive the bonus, do not revoke your consent and do not close your account until you have received your rewards.
Multi-functional online account
Cashback for PurchaseGet up to 25% cashback on the amount spent on purchases in online and stationary stores. Take advantage of offers at stores such as Allegro, Empik, RTV Euro AGD.
Quick BLIK paymentsMake contactless payments with phone or BLIK code, transfer money to mobile, withdraw cash free of charge using BLIK code from ATMs in Poland. It's safe and convenient.
Mobile appMobile app makes it easier to manage your money, but that's not all it has to offer. With your app you can exchange currency, buy bus tickets, pay for parking, top-up your phone, buy codes for games and streaming services.
What's in it for free?
Bank account with free cash withdrawals with BLIK from ATMs in Poland
We open and run your account free of charge.
Other free services include standard domestic online transfers in PLN, BLIK transfers to a phone number, cash withdrawals from our ATMs and cash withdrawals with BLIK from all ATMs in Poland, regardless of the amount.
If you make 5 card or BLIK payments a month (one if you're 18-26), you get the following for free:
- debit card
- BLIK contactless payments
- cash withdrawals from all ATMs in Poland and abroad, regardless of the amount
If you don't meet the above card or BLIK payment requirements, the maintenance fee for card or BLIK contactless payments is 5 PLN (if you are 18-26 years old) or 11 PLN (if you are 26 years old or older). We charge the fee once a month.
Turn your card into a multi-currency card
You can use your Millennium 360° account card to pay for everyday purchases in stationary shops and online. You can withdraw cash from our ATMs for free. You will also pay conveniently abroad, without currency conversion costs.
- Benefit from a currency limit - you have access to the currencies of the world at favourable Visa or Mastercard rates. Up to 5,000 PLN/month, you can pay with your card in stores and online, as well as withdraw cash without any additional bank margin for currency conversion. Once you exceed the limit, the bank's additional margin will be 2%.
- Exchange currency in app - you have access to EUR, USD, GBP and CHF. The money will be instantly transferred to your currency account.
- Turn your card into a multi-currency card - you can link your debit card with your currency account and pay without currency conversion. You don't need to order an additional card.
What else can you gain with Millennium 360° account?
Profit Savings Account
If you are looking for an attractive interest rate for your savings, check the Profit Savings Accountthe link opens in a new tab:
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0 PLN for account opening and maintaining
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deposit and withdraw whenever you want, without losing interest
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add funds as you want: at a one-off or regular basis
Twój Cel Savings Account
Set up Twój Cel Savings Accountthe link opens in a new tab and divide your savings to manage them easier. You can set up to 10 goals:
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in the app, you set up an account and track how close you are to your goal
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Your dream and interest rates motivate you to put money away systematically
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You are still in control of your money. You withdraw and deposit without fees and without losing the interest earned so far
Twój Asystent insurance
When things don't go according to plan, you could use some professional support. With Twój Asystent insurancethe link opens in a new tab:
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you can benefit from medical assistance for you and your children (up to age 16) and household assistance for faults and breakdowns
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you have up to 8 benefits available to you each year
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we will not charge you the first 2 insurance premiums if this is your first Twój Asystent insurance contract. After that, the cost is 9 PLN/month.
Sign up for an account online in as little as a few minutes
Fill out an online application. We will open the account for you even in a few minutes from the start of the application. You can open an account Online in the Bank Millennium application or by logging into your account at another bank.
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1
Sign up for an account online in as little as a few minutes -
Choose a bank
Choose the bank in which you have an account and make transactions the most often.
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2
Sign up for an account online in as little as a few minutes -
Fill in the application
Fill in basis details. We'll ask you for logging in to your account in the selected bank in order to confirm your identity. Return to the application - complete and send it.
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3
Sign up for an account online in as little as a few minutes -
Use your account
Your new account will be active even in a few minutes.
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1
Sign up for an account online in as little as a few minutes -
Download our banking app
Click button below: Open account. Then select: Online in the Bank Millennium mobile app, and proceed. Use your phone to scan the QR code from the website to download the mobile app. Then select on your phone: Open an account and activate the app.
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2
Sign up for an account online in as little as a few minutes -
Complete the form
Complete a simple form in the app and choose how you want to confirm your identity. You can do this with the mObywatel app or using a selfie, by recording your face and a photo of your ID.
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3
Sign up for an account online in as little as a few minutes -
Use your account
Your new account will be active even in a few minutes.
You can also sign a contract for the account in one of our branches. Find a branch.
Questions and answers
Learn the answers to frequently asked questions about Millennium 360° personal account, which we'll be happy to run for you free of charge.
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How do I set up a Millennium 360° account quickly and conveniently?
You can open the account online in 3 ways:
- Online with a login to another bank
All you need is an account with another bank that you use on a daily basis, e.g. pay with a card, make transfers. We will ask you to log in to this account to confirm your personal details. - Online in the Bank Millennium mobile app
Download the Bank Millennium app, complete a simple form in the app and choose how you want to confirm your identity.
You can do it with the mObywatel app or using a selfie, by recording your face and a photo of your ID. - At a bank branch
Come to any of our branches. Fill out an application with our advisor and sign a contract
- Online with a login to another bank
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How do we care for your security?
Your data is secure and stored in an encrypted form. We only use them to verify your identity.
- We verify your identity to make sure no one is trying to open an account using your details.
- We only ask for the details that are necessary to open an account.
- We will use your ID photo and face recording only to verify your identity during the account opening process.
- We encrypt the data you provide to us to ensure confidentiality and to protect it from being intercepted by unauthorized persons.
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How to open an online account in the Bank Millennium app ?
- Quick - you fill out an online application and confirm your identity with the mObywatel app or on a selfie, using a face recording and a photo of your ID.
- 100% online - the entire account opening process can be done online, in the way that's more convenient for you.
- Safely - all your data, photos and recordings are encrypted.
- Without unnecessary formalities - we don't need a courier or signing a physical document to open an account for you.
- For free - we will open and run your account free of charge.
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When will my account be active?
Your Millennium 360° account will be active right away, no matter how you open it.
If you open your account online with a selfie, confirm your data in one of our branches. This way you will gain access to all the functionalities of the account. You will also raise your transaction limit.
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Can I open Millennium 360° account with no extra fees?
Yes. Opening and maintenance of Millennium 360° account is free of charge, unconditionally.
Domestic PLN transfers, internal transfers ordered in Millenet or the mobile app, standing orders, direct debits and BLIK transfers to mobile are always for free.
- Hide Show more
- ???link.opens.in.new.window??? Salary transfer order - in Polish
- ???link.opens.in.new.window??? Information sheet for depositors (PDF in Polish)
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- ???link.opens.in.new.window??? Price list - fees and commissions - for agreements concluded from 25.04.2022 (in Polish)
- ???link.opens.in.new.window??? Price list - fees and commissions - for agreements concluded till 24.04.2022 (in Polish)
- ???link.opens.in.new.window??? Price list – debit cards - for agreements concluded from 01.06.2023 (in Polish)
- ???link.opens.in.new.window??? Price list – debit cards - for agreements concluded till 24.04.2022 (in Polish)
- ???link.opens.in.new.window??? Price list – debit cards - for agreements concluded from 25.04.2022 till 31.05.2023 (in Polish)
- ???link.opens.in.new.window??? Price Table - Interest Rates (PDF)
- ???link.opens.in.new.window??? Price List – BLIK Payments – in Polish
- ???link.opens.in.new.window??? Price List – BLIK Payments for agreements – concluded from 01.04.2025 (in Polish)
- ???link.opens.in.new.window??? General Regulations for the Provision of Banking Services to Natural Persons at Bank Millennium S.A. - for agreements concluded from 25.04.2022 - in Polish (update 1.04.2025 r.)
- ???link.opens.in.new.window??? General Regulations for the Provision of Banking Services to Natural Persons at Bank Millennium S.A. - for agreements concluded till 19.10.2020 - in Polish (update 1.04.2025 r.)
- ???link.opens.in.new.window??? General Regulations for the Provision of Banking Services to Natural Persons at Bank Millennium S.A. - for agreements concluded from 20.10.2021 till 24.04.2022 - in Polish (update 1.04.2025 r.)
- ???link.opens.in.new.window??? Terms&Conditions of opening accounts by remote verification process (for contracts concluded from 18.06.2025) - in Polish
- ???link.opens.in.new.window??? Terms & Conditions of Opening Accounts in Bank Millennium S.A. by Remote Verification Process (for contracts concluded till 17.07.2023) - in Polish
- ???link.opens.in.new.window??? Terms & Conditions of Opening Accounts in Bank Millennium S.A. by Remote Verification Process (for contracts concluded till 17.06.2025) - in Polish
- ???link.opens.in.new.window??? Terms and conditions of gift cards for goodie customers
- ???link.opens.in.new.window??? Fee information document - Konto Millennium 360 (in Polish)
- ???link.opens.in.new.window??? Rules and regulations of opening bank accounts in Bank Millennium S.A. online using Identity Verification Service – in Polish
- ???link.opens.in.new.window??? „Nawet 700 zł z Kontem Millennium 360°” promotion regulations (in Polish)
Contact us
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Fill in the formNeed more info? Write to us
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or call - helpline available 24/7
Legal note
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Legal note
The “Do 700 zł na Twoje przyjemności z kontem Millennium 360°” promotion shall continue until 27.10.2026 or until exhausting the limit of 300,000 accounts. If the limit is exhausted before 27.10.2026, we will post information about the end of the promotion on: www.bankmillennium.pl. The promotion is available to people who did not have a personal account with us in the period from 1 January 2022 until the moment of joining the promotion. As part of the promotion, you can get a cash bonus with a total value of PLN 700 if you open a Millennium 360 account with us with a debit card during the promotion period and meet all the conditions described in Promotion Regulationslink opens in a new window.
The Millennium 360° payment account is free of charge. If you pay minimum 5 times a month with the debit card or BLIK (once if you are between 18 - 26 years of age) then you also do not pay for ATM cash withdrawals, debit card services or BLIK contactless payments. Operators of ATMs abroad may charge fees for cash withdrawals independently of our Bank.
All documents and regulations can be found on our website: www.bankmillennium.pl.
The Zwroty za zakupy Programme is available in the Bank’s mobile application for adult holders of personal accounts. It consists in refunding part of the expenses for purchases in partner stores after taking advantage of the offers prepared for the participant by the Bank. Detailed information is provided in the Zwroty za zakupy Programme Regulations.
The free Multi-currency Service consists in connecting via the mobile app a foreign currency account to a debit card issued to your personal account. Transactions made with a card with the multi-currency service enabled are posted directly to the FX account without currency conversion, if the account currency corresponds to the currency of the transaction. If the transaction is carried out in a different currency or there are insufficient funds on the foreign currency account, such a transaction will be settled with currency conversion on the personal account kept in PLN at the exchange rate of the payment organisation. Then, up to 5000 PLN/month, you pay without any additional bank margin for currency conversion. If you use the limit of 5000 PLN, the Bank’s additional margin will be 2%.
The Currency Exchange Service is available in the Bank Millennium app. The application enables instant currency exchange within the Customer’s accounts. The currency conversion takes place at the proposed exchange rate, which is updated every 30 seconds until the exchange is confirmed by the Client. Details are available in the Kantor Walutowy Regulations.
Twój Asystent is a voluntary individual insurance with coverage provided by Towarzystwo Ubezpieczeniowe Europa S.A. The Bank acts as an insurance agent of TU Europa S.A. and through its agency, the agreement for the above insurance may be concluded. Detailed information is described in the General Terms and Conditions of Twój Asystent Insurance, Product Card, Insurance Product Information Document and Terms and Conditions of the Offering for Twój Asystent and Twój Asystent Prestige, available at www.bankmillennium.pl and in our branches.
Detailed information about products and services can be found in the Service Price Lists - fees and commissions, debit cards, interest rates and BLIK payments, General Regulations on provision of banking services to individuals in Bank Millennium S.A., Regulations on opening accounts at Bank Millennium S.A. with the use of the remote Customer identity verification, Regulations on opening accounts via the Internet at Bank Millennium S.A. with the use of the identity verification service. The documents are available at www.bankmillennium.pl and in our branches.
The concepts of, inter alia payment account and debit card, are explained in the list of representative services available at www.bankmillennium.pl/delegate/managedfiles/824/latest.