Overdraft

Get 45 days without interest (APR 8.94%)

Check our special offer and increase your account balance

Activate current account overdraft and enjoy an interest-free period of 45 days counting as of the day your account first becomes overdrawn (APR 8.94%).

The special offer is valid till 31 August 2017 and is available for Customers who do not have an active current account overdraft.

Details are available in Special offer Regulations.

Want to get even more? Activate your overdraft within 90 days of account opening and avoid paying the activation fee (APR 10.46%). The special offer is valid till 31 January 2018.

Extra cash for extra expenses

Overdraft is a flexible way of financing your current needs, especially unexpected expenses. What is important, you do not pay any interest if you use overdraft for no more than any 7 days in a settlement month (APR 11,50%)

  • Use the overdraft your way – either making a withdrawal or by making a transfer
  • Transfer your overdraft from any bank without fee for activating the overdraft (APR 10,46%)
  • Save time – you don’t have to remember about repayment, any inflow of money renews the limit

How to get

The quickest way to activate overdraft is online

If you are already our Customer, you can fill in the form for overdraft quickly and conveniently in Millenet.

link opens in new windowLog on to Millenet

Transfer overdraft to Bank Millennium

See how easy it is. Transfer overdraft to Bank MillenniumContact with Advisor

Activate overdraft at a branch

Conveniently during one visit Activate overdraft at a branchFind the branch

Useful info

See what you need to activate overdraft

Do you want to use overdraft in your account? Select a document according to your source of income.

  • Employment agreement / Contract of mandate / Author’s contract

    To apply for overdraft, attach one of the following documents:


  • Business activity

    To apply for overdraft, attach one of the following documents:

    • annual tax return and declaration from the Tax Office/ZUS/KRUS
    • revenue and expense ledger

  • Old-age pension

    To apply for overdraft, attach one of the following documents:

    • bank account statement confirming payment of the pension for the last month
    • the last old-age pension slip
    • the last decision on old-age pension indexation
    • decision on awarding the old-age pension

  • Disability pension

    To apply for overdraft, attach one of the following documents:

    • bank account statemen
    • bank account statement confirming payment of the pension for the last month
    • the last disability pension slip
    • the last decision on disability pension indexation
    • decision on awarding the disability pension

  • Pre-pension benefit

    To apply for overdraft, attach one of the following documents:

    • bank account statement confirming payment of the benefit for the last month
    • the last benefit slip
    • the last decision of the Labour Office/ZUS on benefit indexation
    • decision of the Labour Office/ZUS on awarding the benefit

  • Sailor contract

    To apply for overdraft, attach one of the following documents:

    • contracts concluded with ship owners for a period of 12 months with confirmation of salary transfers
    • certificate from the Tax Office

Show all documents

Any questions or doubts? Contact us

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Additional information

Information about the loan cost

Detailed information on the authorised overdraft limit are provided in the General Rules of provision of banking services to individuals in Bank Millennium SA and in Service Price List available in the bank’s branches and on the web site www.bankmillennium.pl. Prior to granting of the overdraft limit, the bank, each time, performs assessment of creditworthiness and credit capacity of an Applicant and, in justified cases, has the right to refuse granting of the limit. Detailed information on the special offer and Promotion is provided in the „Rules Governing Special Offer of Personal Account Authorised Overdraft Limit” and the Rules of Promotional Campaign „No Interest on Overdraft for a Start” available in Bank branches and on web site www.bankmillennium.pl. Detailed information on the personal account and cards to account can be found in the Service Price List and the General Rules Governing Provision of Banking Services to Individuals in Bank Millennium SA, available in the Bank’s branches and on www.bankmillennium.pl.

Minimum overdraft limit is 500 PLN.

Representative example of overdraft limit with no granting fee and under promotion „No Interest on Overdraft for a Start”: Annual Percentage Rate (APR) amounts to 8,94%, total credit amount (without credit financed costs): 3 453,98 PLN, total amount to be paid: 3 727,42 PLN, variable interest rate 10,00%, total credit cost: 273,44 PLN (including: fee 0% (0 PLN), interest 273,44 PLN, insurance 0 PLN, additional services 0 PLN – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to 8 PLN, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 20.04.2017 on a representative example.

Representative example of overdraft limit with no granting fee: Annual Percentage Rate (APR) amounts to 10,46%, total credit amount (without credit financed costs): 3 453,98 PLN, total amount to be paid: 3 799,38 PLN, variable interest rate 10,00%, total credit cost: 345,40 PLN (including: fee 0% (0 PLN), interest 345,40 PLN, insurance 0 PLN, additional services 0 PLN – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account/BLIK per month; otherwise, monthly account fee amounts to 8 PLN, lending term: 12 months, throughout the term limit is fully utilised, monthly interest payment, repayment of principal in a single tranche at maturity. The above has been calculated as on 01.02.2017 on a representative example.

Annual Percentage Rate (APR) amounts to 11,50%, total credit amount (without credit financed costs): 3453,98 PLN, total amount to be paid: 3 829,77 PLN, variable interest rate 10%, total credit cost: 375,79 PLN (including: fee 0,88% (30,39 PLN), interest 345,40 PLN, insurance 0 PLN, additional services 0 PLN – fee for Konto 360° account, in case of booking minimum 1000 PLN of external inflows on account and minimum 1 payment made with use of card issued to account /BLIK per month; otherwise monthly account fee amounts to 8 PLN), lending term: 12 months, throughout the lending term overdraft limit is utilised in full, monthly interest payment and principal repayment in a single tranche at maturity. The above has been calculated as on 01.02.2017 on a representative example.