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Bank account with an app that will keep up with you
Choose Millennium 360º and pay easily wherever you are
Multi-functional online account
Cashback on shoppingEven up to 25% cashback on shopping in selected online stores with Superoffers for bank customers, including Allegro, Amazon, Empik and Media Markt.
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 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.
Open an account online in only a few minutes
Fill in the application online. We will open your account in only a few minutes from the start of the application. You can open your account with a selfie or by logging in to your account in another bank.
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Open an account online in only 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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Open an account online in only 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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Open an account online in only a few minutes -
Use your account
Your account will be active in only a few minutes. Download our mobile app and use your account!
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Open an account online in only a few minutes -
Download bank app
Click "Open an account" button below, then select "In our mobile app with a selfie" and go to the next step. On the phone, scan the QR code from the website, then download the mobile app and select "Open an account and activate the app".
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Open an account online in only a few minutes -
Fill in the application and take a selfie
Enter your data in the application and follow the instructions. To open the account in app, we will ask you to take a photo of your ID and make a quick video of your face.
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Open an account online in only a few minutes -
Use right away
Your account will be active in only a few minutes.
You can also sign a contract for the account in one of our branches. Find a branch.
Join Like it? Share it!
In the 15th edition of the program, by recommending your account to your friends, you can gain 10 prizes!
- goodie eCard for 100 PLN, which you can pay in every store in Poland
- Gift card for 80 PLN to Zalando
- 4 tickets to Multikino (2D) or Helios (2D/3D)
- 5,0% annually on 3-month term deposit from 500 to 30 000 PLN
Terms and conditions of getting and collecting reards are available in regulationsfor: Like it share it programme.
Do you have a child? Open the account
Konto 360° Junior
Open the account for your child. Account for children aged between 0-18
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 can I open Millennium 360° online?
You can open the account online in 2 ways:
- by logging to your account in another bank (online)
- by mobile app - you will confirm your data with a photo of your ID and a recording of your face
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Can I finish the formalities in a branch?
If you want to open the account by logging in to your account in another bank, but you can't see your bank on the list, you can fill in the application and finish opening your account online in one of our branches.
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Opening an account with a selfie - what does it mean?
- Quickly - you fill in the application online and confirm your identity in only a few minutes.
- 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.
- Hide Show more
- link opens in a new window Salary transfer order - in Polish
- link opens in a new window Information sheet for depositors (in Polish)
- link opens in a new window Sample documents - source of income (in Polish)
- link opens in a new window Price list - fees and commissions - for agreements concluded from 25.04.2022 (in Polish)
- link opens in a new window Price list - fees and commissions - for agreements concluded till 24.04.2022 (in Polish)
- link opens in a new window Price list – debit cards - for agreements concluded from 01.06.2023 (in Polish)
- link opens in a new window Price list – debit cards - for agreements concluded from 25.04.2022 till 31.05.2023 (in Polish)
- link opens in a new window Price list – debit cards - for agreements concluded till 24.04.2022 (in Polish)
- link opens in a new window Price Table - Interest Rates
- link opens in a new window Price List – BLIK Payments – in Polish
- link opens in a new window Price List – BLIK Payments for agreements – concluded from 01.04.2025 (in Polish)
- link opens in a 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 a 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 a 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 a new window Terms&Conditions of Opening Accounts in Bank Millennium S.A. by Remote Verification Process (for contracts concluded from 18.07.2023) - in Polish
- link opens in a 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 a new window Terms and conditions of gift cards for goodie customers
- link opens in a new window Fee information document - Konto Millennium 360 (in Polish)
- link opens in a new window Rules and regulations of opening bank accounts in Bank Millennium S.A. online using Identity Verification Service – 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
Detailed terms and conditions of participation, including requirements to be met by current and invited customers for the purpose of receiving a reward are available in LIKE IT? SHARE IT! Programme Regulations – edition 15.
Maintenance of payment account Millennium 360° is free of charge. If you pay minimum 5 times a month with an account card or BLIK (once if you are between 18 - 26 years of age) you do not have to pay for ATM withdrawals and for servicing of your debit card or BLIK contactless payments. Operators of ATMs abroad may charge fees for cash withdrawals independently of our Bank. FX transactions with a card up to PLN 5000/month without Bank’s margin for currency conversion. Bank margin above PLN 5000 is 2%. Cashback for shopping done under the cooperation with Millennium Goodie Sp. z .o.o. is made under terms and conditions provided-for in the Regulations on Using the goodie.pl Platform by Users. Detailed information is described in the Price Lists of services - commissions and fees, 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 via the Internet at Bank Millennium S.A. using the remote customer identity verification service, 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.
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Legal note
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 and without the bank's margin up to PLN 5,000/month. The bank's additional margin for currency conversion of transactions over the total value of PLN 5,000 / month is 2%.
The Currency Exchange service is available in the Bank Millennium application. The application allows for immediate 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. To use the service, read and accept the terms and conditions of Currency Exchange.
Detailed information and terms and conditions of using the multi-currency service and currency conversion are available in the Regulations for the provision of banking services to individuals in Bank Millennium S.A. and the Price List - debit cards. The documents are available in our branches and on our website www.bankmillennium.pl.
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Legal note
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.