Every dream can be your goal

With a personal account at Millennium Bank you can set up to 10 accounts - savings goals.
  • Do you dream about your own flat? Or are you saving for a car? If your family is keeping their fingers crossed for you, they can also transfer money to Twój Cel account.
  • You and your friends want to go on a dream trip? Be a modern treasurer, because friends can transfer money from their accounts to Twój Cel accounts.
  • Do you know the value of expecting the unexpected? The Twój Cel Savings Account is the piggy bank you'll open when sudden expenses arise.

How do you save money?

Save as you like. We give you three savings scenarios to choose from, because you know best which way works for you.
  1. You can tell us the value of your goal and when you want to reach it. We'll tell you what monthly contributions will allow you to achieve that goal.
  2. You know your monthly savings capacity and the amount you want to ultimately put away. Our savings account calculator will estimate when you will reach your dream goal.
  3. You want to save for a sunny, foggy or rainy day. We'll ask you how much you can put away each month and our forecast will show you your savings in one, three or even five years' time.

Legal note

The standard interest rate on Your Goal Savings Account is 0.75% per annum. The standard interest rate on Your Goal Savings Account is variable. The current promotion “Premia za regularność” is valid from 01.02.2026 to 31.07.2026. The promotional interest rate is 2% per year. The standard interest rate will be increased by the promotional interest rate from 0.75% to 2.75% per annum if you increase your balance in the target account by a minimum of PLN 100 in a given month. This condition will be checked on the last calendar day of the month. We charge the increased promotional interest rate up to the amount of PLN 25,000. Above this amount, the money will be subject to the standard interest rate of 0.75% per year. We make the Your Goal Savings Account available only to Holders of a personal account (payment account). The opening of the account, its maintenance and own transfers from Your Goal Savings Accounts are free of charge. Detailed information on the rules of operating Your Goal Savings Accounts and promotions made available are described in the Regulations of the promotion “Premia za regularność”, General Regulations of providing banking services to individuals in Bank Millennium S.A. and Price lists of services - interest rates, available in the bank’s outlets and on the Bank Millennium website.

Concepts i.a. payment account are explained in the list of representative services available at: https://bankmillennium.pl/delegate/managedfiles/824/latestlink opens in new window.