About the service

The Instant Transfers service enables money to be sent from accounts in PLN to accounts in other banks within seconds, maintaining the most stringent security standards with respect to the transaction.

  • Speed – the transfer reaches the beneficiary within a few dozen seconds.
  • Availability – the service is also available on holidays, when interbank Elixir clearing is not done (traditional domestic Elixir transfers).
  • Direct transfers – the money is transferred directly to the beneficiary's account, without participation of intermediary entities or accounts.
  • Ease of use – make transfers conveniently through Millenet.
  • Fixed fee – the fee is independent of the transfer amount.


Customer segment Transfer fee Daily limit
Individual/Prestige 5 PLN 10 000 PLN
Private Banking 0 PLN 50 000 PLN
Biznes 10 PLN 20 000 PLN

The service is provided in the Express Elixir system, delivered by Krajowa Izba Rozliczeniowa S.A.

Bank Millennium is one of the first banks on the Polish market to offer instant transfers to its Customers!

Currently you can make Instant tranfers to: Alior Bank S.A., Bank BGŻ BNP Paribas S.A., Bank BPS S.A., BZWBK S.A., Citi Handlowy, Credit Agricole, Getin Noble Bank, Idea Bank S.A., ING Bank Śląski S.A., mBank, Narodowy Bank Polski, neoBANK, PKO Bank Polski, Podkarpacki Bank Spółdzielczy, Santander Bank Polska, SGB-Bank S.A. and T-Mobile Banking Services provided by the Alior Bank S.A. To check the list of participating banks and their availability hours go to the Express Elixir website.

How to use?

The service is available to each private and microbusiness customer who:

  • has active access to the Millenet transactional system,
  • has a current account in PLN, from which the transfers can be made,
  • has sufficient money on the account to make the transfer.

To make a transfer:

  1. Log on to Millenet

    From the menu in Millenet select the option: Transfers > Domestic Regular / Instant.

  2. Fill-in the transfer form

    When filling-in the form you can use the list of defined domestic beneficiaries. Select the option Instant transfer.

  3. Confirm the transfer

    Instant transfers sent to trusted recipients do not require confirmation with the SMS P@ssword or Mobile Authorisation. In other cases, to order a transfer an SMS P@ssword or Mobile Authorisation in the app are required.

    The funds will reach the recipient's account in just a few seconds!

Note! An instant transfer may be made only to banks, which participate in the Express Elixir instant transfers system.
Check the Express Elixir website to see, which banks are already available in the system