Check what your card offers

Find out about the services that you can use

Currency Package

You can pay for everyday shopping by your debit card. It is also perfect abroad – you don't have to look for an exchange office, exchange currencies, or order a currency card.

Thanks to your debit card you gain access to all world currencies at attractive exchange rates of the payment organization:

  • you pay by card and online, withdraw cash up to 1000 PLN per month without additional bank exchange margin
  • if you exceed the limit of 1000 PLN per month, the additional bank margin on the transaction amount above 1000 PLN will be 2%
  • you can activate Currency Package for 9.90 PLN per week and get unlimited transactions in any currency without additional bank exchange margin

Currency Package is available only with Millennium 360° debit card.

Cash Back

Cash Back is a free service thanks to which you can withdraw cash when you pay with a debit card in shops and service points all over Poland.

You save time because you do not have to look for an ATM and you can conveniently withdraw cash during everyday shopping. It is enough for the shop or point to be marked with the Visa Cash Back and Mastercard/Maestro Cash Back symbols. Just tell the seller of your intention to withdraw the required amount of money!

You can withdraw:

  • up to 500 PLN at one time with Maestro/ Mastercard card payment
  • up to 300 PLN at one time with Visa card payment

The service is available for Millennium debit cards.

Easy Instalments Programme

You can repay your credit card spending in even monthly instalments with attractive interest rate. You get to choose yourself which transactions or amount of used credit limit you want to spread into instalments and how long you want to repay them!

You can divide your spending into instalments at the point of sale, but you'll do it much faster and easier online in Bank Millennium:

  • you don't sign any agreement or submit documents
  • you can divide into instalments multiple transactions
  • you enjoy greater freedom of shopping by paying off your card later
  • you know the detailed repayment schedule

How to do it

You don't even have to visit our branch. Just log in to Millenet e-banking system or in the mobile app. You can also call our 24/7 helpline TeleMillennium 801 331 331 (fee in accordance with the operator's tariff).


  • Example:

    1. On 16 June you buy a TV set for 1000 PLN with your credit card.
    2. After receiving the billing statement at the beginning of July you log in to Millenet or mobile app and order repayment of this amount in 12 instalments.
    3. Each instalment given an interest rate of 19.00%, will be 92.16* PLN.
    4. You will pay the first instalment together with the card monthly payment for August - i.e. by September 20th.
    5. Every month enclosed with your billing statement you will find information about the instalment and number of instalments outstanding.

    * The Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty credit programme is 23.00%, total loan amount (net of debt-financed costs): PLN 1800, total amount due: PLN 2042,46, variable interest rate 19.00%, total cost of the loan: PLN 242,46 (including: fee for splitting transaction repayment into instalments 1% of debt value - PLN 18,00, interest PLN 224,46), 12 equal monthly instalments of PLN 170,21. The calculation was made as of 09.06.2022 on a representative example.

  • You can split your spending made with Millennium Impresja card into 0% equal monthly instalments. You get to choose the number of instalments yourself – the period can be 6, 9 or 12 months. You can use the 0% Easy Instalments programme twice a year up to the amount of 3000 PLN. In addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

    Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

    The Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 1.87%, total loan amount (net of debt-financed costs): PLN 1800, total amount due: PLN 1818,00, fixed interest rate 0.0%, total cost of the loan: PLN 18,00 (including: fee for splitting transaction repayment into instalments 1% of debt value - PLN 18,00, interest PLN 00,00), 12 equal monthly instalments of PLN 151,50. The calculation was made as of 09.06.2022 on a representative example.

  • You can split-up spending made with Millennium Alfa card into 0% equal monthly instalments. Choose the number of instalments yourself: 6, 9, 12 or 24. You can use the 0% Easy Instalments programme once a year up to the amount of 3000 PLN. In addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

    Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

    The Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 7.81%, total loan amount (net of debt-financed costs): PLN 1800, total amount due: PLN 1818,00, fixed interest rate 0.0%, total cost of the loan: PLN 72,00 (including: fee for splitting transaction repayment into instalments 4% of debt value - PLN 72,00, interest PLN 00,00), 12 equal monthly instalments of PLN 156,00. The calculation was made as of 09.06.2022 on a representative example.

  • You can repay in instalments any non-cash transactions made above 300 PLN or a specified amount of used credit limit. Minimum amount of Easy Instalments programme has to be higher than 300 PLN.

    You can spread into instalments the transactions or used credit limit, which are not yet payable according to the billing statement (the instructions should be filed not later than 3 days before due and payable date).

  • Hide all Show all

Chargeback service

Chargeback is a way you can get your money back when you don't receive the purchased item or service from the seller. Chargeback is provided by the payment organizations Visa and Mastercard.



How to use:

  • Report a specific transaction and apply for a refund under the Chargeback procedure.
  • We will send your request for a refund to the institution that settles the defaulted seller / service provider.
  • You can submit the application when:

    • cash withdrawal from an ATM other than Bank Millennium was not made or was made in part
    • the service or goods were not delivered by the seller or service provider other than Bank Millennium or were not as agreed with such entity
    • the transaction was billed more than once
    • a previously cancelled transaction was billed

    Transactions may be challenged regardless of whether the card involved is a company card or a private one. The complaint should be submitted by the cardholder whose name is printed on the card.

  • All you need to do is submit an application for a refund in Millenet, through helpline TeleMillennium 801 331 331 (fee in accordance with the operator's tariff) or at a Bank branch.

    The request should contain:

    • data of the cardholder as well as the card number
    • data of the challenged transaction i.e.: date, amount and information on where the transaction was made
    • date and type of planned service – in the case of a service that was to be performed at a later date, but for reasons beyond your control, it will not be able to be performed
    • description of the problem
    • declaration about an attempt to contact/having contacted the service provider (mainly when: the service or goods were not delivered, the service or goods were not as described, the transaction was rejected in the terminal, the Client paid with other means for the goods)

    The institution that will process the application may ask you to provide additional documents related to the transaction. Depending on the type of transaction, you can use Chargeback for up to 120 days from the disputed transaction.

  • Once you submit the application with any documents, you don't need to do anything else.

    We send your application to the institution that accounts for the given service provider to consider the application. If it rejects your request, it must provide information or documents to show that the debit to your account was correct. If he does not reject the application, we will consider the application to be justified.

    We will inform you about the result of the procedure as soon as we receive the final position of the seller's / service provider's settlement institution. You will receive the information in the form you choose in the application: via Millenet, via SMS or e-mail.

    The Chargeback procedure continues in accordance with the deadlines set by the regulations of international card organizations.

Pakiet Bezpieczeństwa

Pakiet Bezpieczeństwa service (Safety Package) will ensure the security of transactions and other operations with the use of a payment card.

The service consists of 2 items:

  • package of SMS notifications about transactions made with the card
  • Ochrona karty insurance suite

We will send you an SMS notification after each completed and confirmed card transaction. The package includes 25 SMS notifications that we send to a telephone number defined by you (both domestic and foreign numbers). When the notification limit is exhausted, we will continue to send SMSes, and we will charge the fees in accordance with the the the Price List.

The service is not available with Millennium 360° debit card.