Open a Profit Savings Account and earn a preferential interest rate on new money of up to PLN 200,000 for 91 days

  • 5.5% p.a. for accounts opened from 17.10.2026, if you deposit new if you deposit new funds and make at least 5 card or BLIK payments linked to your personal account each month of the offer.
  • 4.5% p.a. for accounts opened before 16.10.2026, if you deposit new funds and make at least 5 card or BLIK payments linked to your personal account each month of the offer.
  • 1.5% p.a. if you deposit new funds into your Profit Savings Account without meeting the additional conditions.
  • Standard interest applies to any balance above PLN 200,000.
The offer is valid from 22.10.2026 to 24.11.2026. New funds means funds paid into the Profit Savings Account after the balance check date, i.e. after 16.10.2026. You can find the definition of new money here. Full details and are available in the terms and conditions (PDF in Polish).

Open a savings account for your child

Help your child build good habits. Open a Profit Savings Account together with a Konto 360° Junior account for your child.

  • You can open a Profit Savings Account together with a Konto 360° Junior Account for your child.
  • Your child can earn 5.5% p.a. for 91 days on new funds of up to PLN 200,000, with no additional conditions.
  • Make free transfers from the savings account to the Konto 360° Junior account at our branches.
  • Download the app for children aged 7 and over. Your child gets easy and secure access to their savings account.

How interest is calculated

Balance Profit Savings Account opened on or after 17.10.2026 Profit Savings Account opened by 16.10.2026
Up to and including PLN 200,000 5.5% per annum for new funds and at least 5 card or BLIK payments in each month of the offer period, or 1.50% per annum for new funds 4.5% per annum for new funds and at least 5 card or BLIK payments in each month of the offer period, or 1.50% per annum for new funds
Above PLN 200,000 Standard variable interest rate Standard variable interest rate

The offer rate applies until 24.11.2026.

The standard interest rate is variable and applies to funds that do not qualify as new funds. Interest is capitalised monthly. The minimum balance required to earn interest is PLN 1,000.

The minimum balance requirement does not apply to new funds covered by the offer rate. It also does not apply if the combined value of new funds and funds that do not qualify as new funds is at least PLN 1,000.

Find out how to qualify for the offer rate on balances of up to PLN 500,000 with a Millennium 360 Prestige account.

Find out more

How we calculate new funds for the Profit Savings Account

On the balance reference date, 16.10.2026, we calculate the amount you hold:

  • in your Profit Savings Account, and
  • in all your accounts and deposits at our bank

For funds to qualify as new funds, during the offer period you must hold more money than you did on 16.10.2026, meaning:

  • an increase in your Profit Savings Account, and
  • an increase in all your accounts and deposits at our bank

We compare these two additional amounts: the additional amount in your Profit Savings Account and the additional amount across all your accounts and deposits with our bank. The lower of the two is treated as new funds. This amount qualifies for the offer on your Profit Savings Account.

Example of how new funds are calculated

 Funds in your Profit Savings Account Funds across all your accounts and deposits with Millennium
Balance on 16.10.2026 PLN 1,000 PLN 3,000
Current balance PLN 2,000 PLN 3,500
Additional funds PLN 1,000 PLN 500

The amount of new funds eligible for the offer rate is PLN 500, because the additional funds across all your accounts and deposits with us are lower than the additional funds in your Profit Savings Account.

Legal note

Promotion “New Funds in the Profit Savings Account, Edition 78” is valid until 24 November 2026. If, in each month of the promotion period, you make at least 5 transactions using a debit card or BLIK linked to the personal account associated with the Profit Savings Account, new funds will earn interest at 4.50% per annum for accounts opened by 16 October 2026 and 5.50% per annum for accounts opened on or after 17 October 2026. If these conditions are not met in a given month, the interest rate on new funds will be 1.50% per annum. The promotional interest rate on new funds applies for 91 days from the date of the first deposit of new funds into the account after joining a given edition of the promotion and applies to new funds up to PLN 500,000 for holders of a Millennium 360 Prestige Account and a Private Banking Personal Account, and up to PLN 200,000 for holders of all other personal accounts. Detailed terms and conditions of the “New Funds in the Profit Savings Account, Edition 78” promotion, as well as the rules governing account maintenance, are set out in the applicable Terms and Conditions and the Fee Schedule, available at Bank branches and on the Bank Millennium website under Profit Savings Account. Definitions of, among others, a payment account and a debit card can be found in the List of Representative Services available at www.bankmillennium.pl/delegate/managedfiles/824/latest.