Bank Millennium brings to Customers the new 3D-Secure service (Three Domain Secure). The service offers a new dimension of security for online payments made with debit and credit cards.

How does 3D-Secure work in Bank Millennium?

3D-Secure transactions are made with use of an additional  authorisation with one time SMSP@sswords.
When paying  by  debit or credit card in an Internet shop, you may receive on your mobile phone  a one time  SMSP@ssword from the Bank, and asked to use it on the specially prepared and secured website.
Provided financial data  will then be sent to a secure authentication server, where the card will be verified.
On this very first stage it will be possible to  immediately verify if the card was not stolen, lost or cancelled for other reasons. 

What do you need to make an Internet payment?

To ensure the highest level of security of your online card transactions, it is  necessary to activate the SMSP@ssword service.  Detailed information about activation process are available in section Transaction confirmation.
The mobile phone defined in the Bank is currently used in the Millenet system  to confirm transfer orders,  sign agreements and to receive transactions notifications.
If you  do not have active Millenet service, which  allows you to  define SMSP@sswords, please read detailed information about the activation process  in section  Access and Login.
Launching the new service does not require  to make any changes in your existing cards parameters and settings. The current card services, limits etc. remain unchanged. 

You have time to activate  necessary services

During the initial period  after service launch, Bank will allow  three transactions to be performed without confirming them with SMSP@ssword. This will help you to familiarize with the new functionalities. During this time you can activate the Millenet service and define the mobile phone number for SMSP@sswords. 
After the use of available  three transactions limit, further online card payments without the SMSP@ssword will not be possible  in MasterCard SecureCode and Verified by Visa participating merchants.


3D-Secure is available to Bank Millennium customers who meet  the conditions below:

  • Has an active Millennium prepaid, debit or credit card (Visa or MasterCard),
  • Has access to the Millenet transactional system for individuals/business customers,
  • Has activated the SMSP@ssword service.