Increase your account balance with our Overdraft (overdraft facility) promotion (APR 20.16%):
Promotion "Limit w koncie z prowizją 0% - X edycja" is valid from 25 January 2025 till 25 July 2025.
More details in Promotion Regulations.
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 18.96%).
Overdraft is a flexible way of financing your current needs, especially unexpected expenses:
Apply for an Overdraft online, fill in the form for overdraft quickly and conveniently in Millenet.
See how easy it is. Transfer Overdraft to Bank MillenniumContact with Advisor
Call us: template.externalLink.desc Set up Overdraft by phone801 12 7000
Straight away during one visit Apply for Overdraft at a branchFind the branch
landlines and mobile phones
A representative example for the Overdraft in a personal account with “Limit w koncie z prowizją 0% - X edycja” promotion: Annual Percentage Rate (APR) is 18.96%, total credit amount (without credit financed costs): PLN 3 329.00 total amount to be paid: PLN 3 911,58, variable interest rate 17.50%, total credit cost of: PLN 582,58 (including: 0% commission (PLN 0.00), interest PLN 582,58), 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 May 8th, 2025 on a representative example. The Promotion “Limit w koncie z prowizją 0% - X edycja” lasts until July 25th, 2025. We make it available to customers who do not have an overdraft with us in the period of 6 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% - X 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 19.55%, total credit amount (without credit financed costs): PLN 3 329.00 total amount to be paid: PLN 3 926,84 variable interest rate 17.50% total credit cost: PLN 597,84 (including: fee 0.46% (PLN 15.26), interest PLN 582,58), 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 May 8th, 2025 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 20.42% total credit amount (without credit financed costs): PLN 10 505.00 total amount to be paid: PLN 12 461.14 variable interest rate 17.50% , total credit cost: PLN 1 956.14 (including: fee 1.12% (PLN 117.76), interest PLN 1 838.38), 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 May 8th,2025 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.
