Up to 150 PLN bonus with Millennium Investment Programme

Check the details of the promotion

Now you can invest your savings easier than ever. Millennium Investment Programme is available in the mobile app and Millenet. You no longer need to visit a branch to purchase or repurchase the selected Plan.

Regular investments can pay off

You can get up to 150 PLN bonus with Millennium Investment Programme:

  • open programme and deposit min. 1000 PLN till 5 May 2021
  • set up a standing order for next payments in the amount of 200 PLN each (make 6 payments till 30 November 2021)
  • after meeting the requirements, till 31 December 2021 you can have up to 150 PLN bonus transferred to your account in Bank Millennium

"Inwestycja z premią" promotion lasts till 31.12.2021 and applies for 5000 programmes. Details in regulationslink opens in a new window (in Polish).

Millennium Investment Programme offers many benefits

  • You choose from among 3 ready-made Plans managed by Millennium TFI experts

  • You don't pay to open, deposit or run the programme

  • You can start investing from 200 PLN and you do not need to specify the length of the investment period (5 years after the first payment, the sub-funds included in the Plan will change into separated sub-funds.)

Programme details and fees

Check three ready-made Plans

<b>Stable</b>

Stable

low profit potencial
low risk
Check details
<b>Moderate</b>

Moderate

moderate profit potential
reasonable risk
Check details
<b>Dynamic</b>

Dynamic

high profit potential
high risk
Check details

How to start investing

You can conveniently open Millennium Investment Programme in Millenet and the mobile app or in a branch.

  1. 1
    How to start investing -

    To open the programme online, in the mobile app in the menu select Offer for you > Savings and investments > Millennium Investment Programme.
    In Millenet, go to the Offer > New Millennium Investment Programme.

  2. 2
    How to start investing -

    Check the details of the Plans to choose the best one for you.

  3. 3
    How to start investing -

    If you do not have a completed and up-to-date investment survey, we will ask you to complete it, and if you do not have a signed framework agreement, then also conclude it – everything will take you just a few minutes.

  4. 3
    How to start investing -

    Specify your programme details and make your first deposit. To invest regularly, you can create a standing order.

  5. 4
    How to start investing -

    Done! Opening the program has just been ordered. The order will be processed within 7 days, then after logging in to your account you will see a tile with a new product.

Details and fees Millennium Investment Programme

Programme fees
Handling fees on withdrawals
For opening 0 PLN
Withdrawal up to 12 months 1%
For maintenance 0 PLN
Withdrawal from 12 to 24 months 0,5%
For next payments 0 PLN
Withdrawal after 24 months 0%
Programme fees
For opening 0 PLN
For maintenance 0 PLN
For next payments 0 PLN
Handling fees on withdrawals
Withdrawal up to 12 months 1%
Withdrawal from 12 to 24 months 0,5%
Withdrawal after 24 months 0%
  • Programme investment time

    You don't have to define how long you want to invest. After 5 years from the first payment the subfunds making up the Plan will change into separated sub-funds.


    The investment period is the period from the date of execution of the order to purchase individual sub-fund participation units under the programme to the date of execution of the order to buy back these units.

Discover our Plans

You can choose from 3 ready-made plans managed by Millennium TFI experts

Stable Plan is a solution for people who accept a low risk level of losing capital and a low profit potential. The Plan consists of three Millennium TFI subfunds:

  • 50% Millennium Classic Bond FIO
    Invests in e.g. treasury bonds and corporate bonds with high creditworthiness
  • 30% Millennium Debt Instruments FIO
    Invests mainly in Polish and foreign treasury bonds
  • 20% Millennium Corporate Bond SFIO
    Invests in corporate bonds also through global investment funds

Moderate Plan are sub-funds that allow for higher profits than on a standard deposit. For people accepting a moderate level of risk of capital loss and periodic fluctuations in the value of investments. It consists of three subfunds of Millennium TFI:

  • 45% Millennium Global Equity SFIO
    Invests in small and large company shares from all over the world
  • 35% Millennium Debt Instruments FIO
    Invests mainly in Polish and foreign treasury bonds
  • 20% Millennium Classic Bond FIO
    Invests in e.g. treasury bonds, corporate bonds with high creditworthiness

Dynamic Plan is an option with a high profit potential, but also associated with a high risk. The Plan includes Millennium TFI sub-funds with a high level of risk of losing some or all of their capital:

  • 60% Millennium Global Equity SFIO
    Invests in small and large company shares from all over the world
  • 25% Millennium Dynamic FIO
    Invests in smaller and innovative Polish company shares
  • 15% Millennium Equity FIO
    Invests mainly in large and well-known Polish company shares

Worth knowing

  • Withdrawal of invested funds before the end of programme

    You always have access to your funds. In first two years after purchase of participation units each withdrawal from the programme will be charged a handling fee.

  • Change of plan in the course of investment

    The selected plan is assigned to your program. In order to change your investment strategy, you have to withdraw the funds and open a new programme.

  • Investment increase

    You always have the opportunity to make subsequent payment into your investment programme.

  • Establishing multiple programmes

    You can open numerous programmes and divide your funds into selected plans.

Questions and answers


  • You will get access to the offer of investment products at Bank Millennium after completing the investment questionnaire (appropriateness assessment) and signing the Framework Agreement for the provision of financial services. Thanks to the answers provided in the survey, we get to know your knowledge and previous investment experience, and we are able to assess whether the selected investment product is adequate for you and in line with your needs, characteristics and goals. If you want to get access to investment products in the mobile app and in Millenet, you will also need to sign a service access agreement via electronic banking channels.

    You can fill in the questionnaire and sign the contract conveniently in Millenet, Bank Millennium mobile app or any Bank branch.


  • If you already have an access to the investment product offer in Bank Millennium, you can select a Plan which meets your expectations as to the level of potential profit and level of potential risk. Thereafter, declare the amount and your funds will be invested in package of 3 Millennium subfunds in accordance with the division defined in your plan, as it is set out in the programme regulations. If you will be making payments or withdrawals in the future, your funds will also be devided according to the division mentioned above.


  • You can open the programme in Millenet, mobile app or any Bank Millennium branch. Minimum amount of first and each subsequent payment is 200 PLN.


  • Millennium Investment Programme consists of three ready to purchase investment plans (Stable, Moderate and Dynamic) which differ from each other in risk and reward profiles. Each of them offer funds diversification, i.e. simultaneous investment in 3 selected subfunds of Millennium TFI. Thanks to this, you limit the risk of investment, spreading it on various investment strategies, and you benefit from the potential of global markets at the same time.

    You decide which plan meets your investment expectations.

    Through the Millennium TFI investment funds you have the opportunity to invest in capital market instruments. Depending on the plan, these will be shares of Polish and global company shares, treasury or corporate bonds.

    More details of each plan investment strategy and particular investment funds can be find in Plan's Fact Sheet and KIID documents.


  • Regular payment into Programme are not required. Subsequent payment can be made at any time. The minimum amount of each subsequent payment is 200 PLN.

    What is important, the long-term regular investments of even small amounts gives an opportunity to accumulate significant capital in the future. Furthermore, if you make payments in different periods, you average the price of participation units. It can have an influence on limitation of risk of purchasing all participation units at the least favorable price.


  • Participation in programme lasts 5 years from the moment of purchasing participation units. You always have an access to your funds, regardless of when you decide to withdraw them. You can withdraw all your funds after 2 years from participation units purchase at no handling fee.

    After 5 years from opening the programme, selected plan will be closed. You will be able to continue your investments into three separated Millennium subfunds, in other words, make payments, make changes or withdrawal funds within each subfund individually.


Contact us

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