Promotion

Extra funds whenever you need

Increase your account balance with our Overdraft (overdraft facility) (APR 20.68%):

  • now 0 PLN activation fee
  • every inflow of money automatically repays and renews your overdraft
  • every next settlement month you can use overdraft for 7 days without interest

Promotion "Limit w koncie z prowizją 0% - VII edycja" is valid from 29 July 2023 till 1 January 2023.

More details in Promotion Regulations.

Credit cost and legal note

About

What is a current account Overdraft?

Current account overdraft (overdraft facility) are additional funds that you can use if your account balance reaches zero. Overdraft simply increases your available balance.

You can use the overdraft more than once - every amount deposited to your account renews the overdraft!

 

How does it work? It's easy:

If you have 5000 PLN of your own money on the current account and have an overdraft of 1000 PLN, you can spend 6000 PLN altogether.

You don't pay any interest if you use the overdraft for no more than any 7 days in a settlement month (APR 20.68%).

What are the benefits?

Extra money for extra expenses

Overdraft is a flexible way of financing your current needs, especially unexpected expenses:

  • use Overdraft when you need it and repay when you can
  • spend as you like - withdraw cash, pay by card or make transfers
  • you don't need to remember about repayment - any inflow of money renews the Overdraft
  • you don't pay any interest - if you use the Overdraft for no more than any 7 days/month (APR 20.68%).

How to apply

Do you already have a current account with us?

Apply for an Overdraft online, fill in the form for overdraft quickly and conveniently in Millenet.

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Transfer Overdraft to Bank Millennium

See how easy it is. Transfer Overdraft to Bank MillenniumContact with Advisor

Apply for Overdraft at a branch

Straight away during one visit Apply for Overdraft at a branchFind the branch

Current account overdraft increase (APR 22.31%)

Do you use current account overdraft? Apply for overdraft increase and enjoy extra money whenever you need it:

  • increase your overdraft online
  • get more funds for unexpected expenses
  • interest to be charged only for used overdraft

Useful information

See what you need to activate Overdraft

Do you want to use Overdraft in your account? Select a document according to your source of income.

  • Employment agreement / Contract of mandate / Author’s contract

    To apply for Overdraft, attach one of the following documents:


  • Business activity

    To apply for Overdraft, attach one of the following documents:

    • annual tax return and declaration from the Tax Office/ZUS/KRUS
    • revenue and expense ledger

  • Old-age pension

    To apply for Overdraft, attach one of the following documents:

    • bank account statement confirming payment of the pension for the last month
    • the last old-age pension slip
    • the last decision on old-age pension indexation
    • decision on awarding the old-age pension

  • Disability pension

    To apply for Overdraft, attach one of the following documents:

    • bank account statement
    • bank account statement confirming payment of the pension for the last month
    • the last disability pension slip
    • the last decision on disability pension indexation
    • decision on awarding the disability pension

  • Pre-pension benefit

    To apply for Overdraft, attach one of the following documents:

    • bank account statement confirming payment of the benefit for the last month
    • the last benefit slip
    • the last decision of the Labour Office/ZUS on benefit indexation
    • decision of the Labour Office/ZUS on awarding the benefit

  • Sailor contract

    To apply for Overdraft, attach one of the following documents:

    • contracts concluded with ship owners for a period of 12 months with confirmation of salary transfers
    • certificate from the Tax Office

Show all documents

Important documents

Any questions or doubts? Contact us

Fill in the form.
We will call you back!

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If you prefer…
Call us!

801 331 331

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Additional information

Credit cost and legal note

A representative example for the Overdraft in a personal account with “Limit w koncie z prowizją 0% - VII edycja” promotion: Annual Percentage Rate (APR) is 20,68%, total credit amount (without credit financed costs): PLN 3 998.00 total amount to be paid: PLN 4 757,62, variable interest rate 19,00%, total credit cost of: PLN 759,62 (including: 0% commission (PLN 0.00), interest PLN 759,62), lending term: 12 months, throughout the term limit is fully utilized, monthly interest payments, repayment of principal amount in a single tranche at maturity. The calculation as of September 9th, 2023 on a representative example. The Promotion “Limit w koncie z prowizją 0% - VII edycja” lasts until January 26th, 2023. We make it available to customers who do not have an overdraft with us in the period of 5 months before submitting the application. Details, conditions and rules for granting the Overdraft in the account in the promotion are described in the Regulations of the promotion " Limit w koncie z prowizją 0% - VII edycja ", General Regulations for the provision of banking services for individual customers in Bank Millennium S.A. and in Service Price List – loan commissions, fees and interest rates on credit products. Detailed information on the personal accounts and cards to account are described in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl. Interest for using overdraft in the personal account is charged in monthly settlement cycles, for the following period: from the last day of the previous month until the last- but- one day of the current month. If you use the overdraft in the personal account for up to any 7 days in the monthly settlement cycle, we will not charge you with interest ( this applies to Limits in the Personal Account in the amount up to PLN 150 000). If you use the Limit in your personal account for more than 7 days, we will charge you interest for all days of using the Limit, and we will collect the accrued interest on the last business day of the month.

Before we grant you an overdraft limit, we assess your creditworthiness each time. In justified cases, we may not grant you the Limit in your personal account. The minimum overdraft limit in the personal account is PLN 500.

Representative example of overdraft limit (overdraft facility) without promotion: Annual Percentage Rate (APR) is 21,41%, total credit amount (without credit financed costs): PLN 3998.00 total amount to be paid: PLN 4779.64 variable interest rate 19,00% total credit cost: PLN 781.64 (including: fee 0,55% (PLN 22,02), interest PLN 759.62), lending term: 12 months, throughout the term limit is fully utilized, monthly interest payment, repayment of principal amount in a single tranche at maturity. The calculation as of September 9th, 2023 on a representative example. Detailed information authorized overdraft limit, including information on set-up fee and interest rate are described in the Regulations, General Rules of provision of banking services for individuals customers in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates on credit products. Detailed information on the personal accounts and cards to account are described in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl. Interest for using overdraft in the personal account is charged in monthly settlement cycles, for the following period: from the last day of the previous month until the last- but- one day of the current month. If you use the overdraft in the personal account for up to any 7 days in the monthly settlement cycle, we will not charge you with interest ( this applies to Limits in the Personal Account in the amount up to PLN 150 000,00). If you use the Limit in your personal account for more than 7 days, we will charge you interest for all days of using the Limit, and we will collect the accrued interest on the last business day of the month.

Before we grant you an overdraft limit, we assess your creditworthiness each time. In justified cases, we may not grant you the Limit in your personal account. The minimum overdraft limit in the personal account is PLN 500.

Representative example of overdraft limit (overdraft facility) increase: Annual Percentage Rate (APR) is 22,31% total credit amount (without credit financed costs): PLN 10 318.00 total amount to be paid: PLN 12 404.89 variable interest rate 19,00% , total credit cost: PLN 2086,89 (including: fee 1,23% (PLN 126.47), interest PLN 1960.42,19), lending term:12 months, throughout the term limit is fully utilized, monthly interest payment, repayment of principal amount in a single tranche at maturity. The calculation as of September 9th, 2023 on a representative example. Detailed information authorized overdraft limit, including information on set-up fee and interest rate are described in the Regulations, General Rules of provision of banking services for individuals customers in Bank Millennium SA and in Service Price List - loan commissions, fees and interest rates on credit products. Detailed information on the personal accounts and cards to account are described in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA. You can familiarize yourself with these documents in our branches and on our website www.bankmillennium.pl. Interest for using overdraft in the personal account is charged in monthly settlement cycles, for the following period: from the last day of the previous month until the last- but- one day of the current month. If you use the overdraft in the personal account for up to any 7 days in the monthly settlement cycle, we will not charge you with interest ( this applies to Limits in the Personal Account in the amount up to PLN 150 000). If you use the Limit in your personal account for more than 7 days, we will charge you interest for all days of using the Limit, and we will collect the accrued interest on the last business day of the month. Before we grant you an overdraft limit, we assess your creditworthiness each time. In justified cases, we may not grant you the Limit in your personal account. The minimum overdraft limit in the personal account is PLN 500.