Set up your overdraft on special terms (APR 15.49%) and meet the conditions to enjoy greater flexibility. You can rely on:
Promotion "Limit w koncie z prowizją 0% - 13 edycja" special offer is available from 25 July 2026 to 29 January 2027.
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 3000 PLN, you can spend 8000 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 15,49%).
How can you increase your overdraft limit?
You can increase your overdraft limit by signing an amendment to your agreement. You can sign the amendment in the mobile app, in Millenet, by phone, or at a branch. Whether you can increase your limit online depends on your creditworthiness and the offer available to you.
To increase your limit and sign an amendment to the agreement in the mobile app, go to: Offer > Loans > Overdraft increase > Increase overdraft
To increase your limit and sign an amendment to the agreement in Millenet, go to: My Finances > Account > Click on the account with the overdraft > Apply for overdraft (under “Available limit”)
Don’t see this option?
Call us or visit a branch.
Please note: increasing your overdraft limit may involve a fee.
Check the price list for details.
How can you lower my overdraft limit?
You can lower your overdraft limit only at a bank branch.
How can you close your current account overdraft?
You can close your current account overdraftin the mobile app or in Millenet.
In the mobile app, go to: Profile > Applications and documents > Applications & disposals > Close overdraft limit.
In Millenet, go to: My Finances > Accounts > Select the account with the overdraft limit > Close overdraft limit.
If the current account overdraft is linked to a joint account, any joint account holder may terminate it, and the termination will be effective for all account holders.
You can also cancel the overdraft agreement by mail or at a bank branch. This can't be done via our helpline.
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
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A representative example for the Overdraft in a personal account with “Limit w koncie z prowizją 0% - 13 edycja” promotion: Annual Percentage Rate (APR) is 15.49%, total credit amount (without credit financed costs): PLN 4386.00 total amount to be paid: PLN 5021.97, variable interest rate 14.50%, total credit cost of: PLN 635.97 (including: 0% commission (PLN 0.00), interest PLN 635.97), 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 July 25 th, 2026 on a representative example. The Promotion “Limit w koncie z prowizją 0% 13 edycja” lasts until January 29 th, 2027. We make it available to customers who do not have an overdraft with us in the period of 8 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% 13 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 3 000.
Representative example of overdraft limit (overdraft facility) without promotion: Annual Percentage Rate (APR) is 15.73%, total credit amount (without credit financed costs): PLN 4386.00 total amount to be paid: PLN 5030.42 variable interest rate 14.50% total credit cost: PLN 644.42 (including: fee 0.19% (PLN 8.45), interest PLN 635.97), 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 July 25 th, 2026 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 3 000.
Representative example of overdraft limit (overdraft facility) increase: Annual Percentage Rate (APR) is 16.81% total credit amount (without credit financed costs): PLN 10512.00 total amount to be paid: PLN 12146.86 variable interest rate 14.50% , total credit cost: PLN 1634.86 (including: fee 1.05% (PLN 110.62), interest PLN 1 524.24), 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 July 25 th, 2026 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 3 000.
