Yes, if you meet a very simple condition.

If you're 26 years old or above - pay at least 5 times with a card or BLIK in the previous month. If you don't, we'll charge 11 PLN. The fee will be charged once a month.

If you're between 18-26 years old - pay at least once with a card or BLIK in the previous month. If you don't, we'll charge 5 PLN. The fee will be charged once a month.

Cash withdrawals from Bank Millennium's ATMs are always for free. With Millennium 360° account, we will not charge you for ATM withdrawals in Poland and abroad if you make 5 payments with a card or BLIK (for customers aged 26 and over) or 1 payment with a card or BLIK (for customers aged between 18-26). Payment using contactless BLIK and BLIK Pay Later does not meet the conditions above.

Remember that foreign ATM operators may charge additional fees for cash withdrawals.

If you won't meet payments requirement, you'll be charged:

• 1 PLN for withdrawing cash from ATMs operated by Santander Bank Polska and Planet Cash, regardless of the amount
• 5 PLN - other ATMs, regardless of the amount

You can do it in any bank's branch (find the nearest branch).

• Generate a statement in mobile app or Millenet, sign it and hand it to your employer or benefit provider (e.g. ZUS).
• You can find more information on the website about salary transfer. Here you can also download the statement.

Yes, you can enable an account overdraft, of you are creditworthy. If you need more cash, find out more about other offers of loans and cash loans.

With Millennium 360º account, you can pay as you want - with a plastic debit card or with your phone. You can add your debit card to one of the applications that enable mobile payments or use contactless BLIK.

The fastest way to check your account balance online is in your mobile app. You can set up a widget to show the account balance before logging in or you can simply log in to the app to see it.

You can also access your account via Millenet electronic banking service. If you want, you can also call our helpline or go to one of our branches.

Yes, but make sure to order it in advance. The quickest and most convenient way is through our mobile app. Select: Profile (top left corner) > Applications and Documents > Applications and disposals > Cash order in branch

If you need assistance, contact our helpline.

You can call us from the mobile app. Select: Profile > Contact > Call consultant directly

If you do not use the mobile app, call us on +48 22 598 40 40. The helpline is available 24 hours a day, 7 days a week.

Good to know: You can withdraw up to 30 000 PLN per day at a branch without placing an order in advance.

You can also withdraw:

• up to 20 000 PLN per day using a single card
• up to 5000 PLN per day using a BLIK code

Note: if you would like to withdraw a currency other than Polish zloty (PLN), you must order it in advance, regardless of the amount. Foreign currency withdrawals are available only at a bank branch. It is not possible to withdraw foreign currency from our ATMs.

You can open a joint account only at a bank branch. All account holders must be present and bring their ID documents (e.g. ID card). After opening the account, each person will receive their own online banking login details. You can open a joint account only if all holders have the same tax residency status.

You can download a basic account balance certificate for free in the app. Go to: Profile > Applications and documents > Applications & disposals > Account balance certificate

You can also request a certificate with additional details at a branch (for a fee).

If you do not have Polish citizenship, you can open an account only at a bank branch.

You can request a paper certificate for account through our helpline or at a branch. A fee applies for issuing the document. You can find the applicable fee in our Price List.

Examples of standard certificates:

• certificate confirming account maintenance (it will contain personal data and the account number in IBAN format)
• certificate of account transactions
• certificate of account balance and transactions
• certificate confirming account closure

You can request a standard certificate through our helpline. If you would like to include additional information in the certificate, you must request it at a branch. You can also request a certificate for a technical account used to service a loan for the purchase of equipment at a branch.

Contact our helpline if you would like to find out what information is included in a standard certificate.

Who can request and collect a certificate?

A certificate can be requested by the account holder, a joint account holder, or an authorised representative, provided they have the appropriate permissions.

The certificate can be collected by the person who requested it or by any person authorised at the time the request is submitted.

When will the certificate be issued?

• standard certificate collection at a branch (except at MINI branches): within 15 minutes
• certificate containing additional information: within 3 business days
• delivery to the correspondence address: within 14 days

You can check how much money is currently blocked in the mobile app. Go to: Products > Accounts > Select your account. Then tap on the section labeled “Account balance.” The system will automatically scroll down and show you:

• Available Balance – the total amount, including both available and blocked funds
• Current balance – the money you can use
• Blocked amount – the amount currently blocked

You can check co-owners and authorized users in the mobile app or Millenet.

In the mobile app, go to: Products > Accounts > Select the account > Tap “Show more” at the bottom of the screen

In Millenet, go to: My Finances > Accounts > Select the account > About the account > General information

Want to switch from your personal profile view to your business profile? You can do it in the mobile app or Millenet.

In mobile app, select: “Profile” in the top left corner. Then select “Switch to a business profile.”

In Millenet, select: tab with your name and surname, then select your company name.

If you opened your account in the app using selfie verification, you need to confirm your identity at a branch.

If you do not do this, the following limitations apply:

• monthly spending limit of PLN 5000
• you cannot confirm your identity via the bank (e.g. using a trusted profile)
• you cannot apply for a loan or investment products online

You can grant a power of attorney only at a bank branch.

The authorized person must be an adult.

You decide what they can do and for how long. However, you cannot set a limit on the amount of transactions.

To appoint a proxy to your account, you and your future proxy should visit a branch. If you cannot come together, your future proxy should visit first. Both of you must bring your own valid ID.

Exception:
The authorized person does not need to be present if:

• they are already a bank customer, or
• we have their details in our system.

Adding a power of attorney may involve a fee, depending on your account type.
Removing it is free of charge.

You or the authorized person can revoke the power of attorney at any time at a branch.

For joint accounts, only the co-owner who granted it can revoke it.

You can set your own account name in the app and on Millenet.
To set your own account name in the app, go to: Products > Accounts > Select account > More > Rename
To set your own account name on Millenet, go to: My Finances > Accounts > Click on the account > Short name > Define (under the full account number)
You can change your account name at any time.

There is no limit for incoming transfers to your account.

You can close an account in Millenet (on the bank's website).

Sign in to Millenet, click your name, and then select: Applications and Agreements > Closing account (bottom left corner)

The notice period is 1 month.

If you need help, please contact our helpline.

Exception: A technical account used to service other products (for example, a point-of-sale instalment loan) can only be closed at a bank branch.

Note: you cannot close an account if it is linked to another product or if there is an outstanding balance on the account.

Yes, you do not need to order a card. You can use the account on its own, and you can order a card at any time.

If you signed the agreement online, you can view it in the mobile app or Millenet. This applies to all bank products.

If you signed it at a branch, you can order a copy for a fee at one of our branches.

In the mobile app, go to: Profile > Applications and Documents > Documents and agreements

In Millenet, go to: Menu (click on your name) > Applications and agreements > Agreements and documents

Select the date range covering the period when the agreement was signed.

You can order up to two cards for one Millennium 360 account: Visa and Mastercard. You can open a maximum of 8 Millennium 360 accounts.

If you already have a Millennium 360 account but don't have a card yet, you can order one in the mobile app or in Millenet.

In the mobile app, select: Offer > Cards > Debit card to Millennium 360 account > Order card

In Millenet, select: Offer > New debit card. Then, in the “debit card type” field, choose the card for your Millennium 360 account.

To report the death of an account holder, please provide a copy of the death certificate at any branch or send it to us by post.

Anyone can report a customer's death. However, based on the death certificate alone, we cannot disclose information about the deceased person's accounts or other banking products, nor can we release any funds held by the deceased.

What documents are required to obtain information or request the release of funds?

If you are a legal heir, you may obtain information about the deceased person's banking products and apply for the release of funds. You can do this only at a branch.

To do so, visit a bank branch and bring:

• a copy of the death certificate - if you have not already provided one
• a valid identification document
• a document confirming your inheritance rights

Which documents confirm inheritance rights?

• a final court decision confirming entitlement to the estate
• a notarial deed of succession together with confirmation of its registration in the Register of Certificates of Succession
• a European Certificate of Succession, translated into Polish by a certified translator and accompanied by an apostille, where required under the applicable laws of the issuing country

How can you check the status of your funds release application?

If you have already submitted an application and would like to check its status or obtain further information, please visit a bank branch.

We will inform you of our decision regarding the release of funds within 10 days of receiving your application and all required supporting documents.

Additional information

If there is more than one heir, each heir may submit their application at any bank branch. Funds can be released once all heirs have submitted their applications. This requirement does not apply where the estate has already been divided by a court or a notary.

Before any funds are released, we will first settle:

• funeral expenses,
• social security benefits and any other payments to which the deceased was no longer entitled (for example, pension payments made after death),
• any payable-on-death instruction, if one was made by the deceased,
• any outstanding and due liabilities owed by the deceased, including loans and credit facilities.

You can set up and revoke a disposition of funds upon death free of charge at any branch. A written instruction is required.

Exception: A disposition of funds upon death applies only to an individual account. If you convert your individual account into a joint account, any previously submitted disposition will be cancelled.

To set up a disposition, prepare the following details of the person you wish to designate:

• first and last name
• PESEL number or date of birth (if they are a foreign national)
• parents first names
• relationship to you
• correspondence address
• place of birth

You can designate only the following relatives:

• spouse
• parents
• grandparents or great-grandparents
• children, grandchildren or great-grandchildren
• siblings

What happens next?

Once we receive information about your death, we will notify the person named in the disposition.

To enable this, please provide their current correspondence address and make sure it is kept up to date if it changes.

You can add a joint account holder free of charge only at a bank branch. Both of you must be present and bring valid identification documents (for example, ID cards). The new joint account holder will receive their own online banking login credentials. The account will become a joint account, but each account holder will have their own card.

Note: you can add a joint account holder only if both of you have the same tax residency status.

You can schedule an appointment at a selected bank branch through our helpline. Call us from the mobile app. Select: Profile > Contact > Call consultant directly

If you do not use the mobile app, call us on +48 22 598 40 40.

To remove a joint account holder from an account, all joint account holders must visit a bank branch together.

This change cannot be made in the mobile app, in Millenet, or over the phone.

Yes. Although their names are similar, "Konto 360" and "Millennium 360" are two different accounts. They differ in fees, available services, and charges for certain operations, such as cash withdrawals at a branch.

How much does a "Konto 360" account and its card cost?

The "Konto 360" account costs 8 PLN per month. The cards issued for this account, "Millennium Visa Konto 360" and "Millennium Mastercard Konto 360", cost 7 PLN for one card per month. No fee is charged during the first 2 months after the card is issued. The total monthly fee for the account and card is 15 PLN.

In the following months, both the account fee and the card fee will be waived if, in the previous month, you:

• made at least one payment with your debit card or BLIK, regardless of the amount
• received external credits to your account totalling at least 1000 PLN

The following are not included in the total amount of incoming credits:

• transfers from your other personal and joint accounts with Bank Millennium (excluding transfers from your business accounts or accounts belonging to other Bank Millennium customers)
• transfers from Brokerage Office accounts
• refunds for payments made with a debit card or BLIK

The following are not included in the total amount of incoming credit:

• ATM withdrawals
• cash deposits made at cash deposit machines
• transfers (including BLIK transfers to mobile)

How much does a "Millennium 360" account and its card cost?

The "Millennium 360" account is free of charge. There are no conditions to meet. The cards issued for this account, "Visa Millennium 360" and "Mastercard Millennium 360", are subject to a monthly fee. The fee depends on your age.

If you are over 26 years old, the monthly fee for one card is 11 PLN. No fee is charged during the first 2 months after the card is issued. In the following months, the fee will be waived if, in the previous month, you made at least five payments with your debit card or BLIK. The amount of the payments does not matter.

If you are between 18 and 26 years old, the monthly fee for one card is 5 PLN. No fee is charged during the first 2 months after the card is issued. In the following months, the fee will be waived if, in the previous month, you made at least one payment with your debit card or BLIK. The amount of the payment does not matter.

The following are not considered eligible payments:

• ATM withdrawals
• cash deposits made at cash deposit machines
• transfers (including BLIK transfers to mobile)

Good to know: Do you have a joint account? Only one account holder needs to meet the requirement for the account and cards to be free of charge.