Overdraft

Overdraft

Activate overdraft and benefit from an attractive offer!

Do you know that if you decide to get the overdraft within 90 days from the opening of the account, the overdraft will be free of charge (APR 10,39%).

Offer for new Customers valid till 31st of January 2017.

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 1,20%)

  • 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 10,39%)
  • 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. Contact with Advisor

Activate overdraft by phone

Call us: link opens in new window801 331 331

Activate overdraft at a branch

Conveniently during one visit Find 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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801 331 331

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Additional information

Information about the loan cost

Details concerning the Overdraft are provided in the General Regulations on Provision of Banking Services to Private Individuals in Bank Millennium SA and in the Price List available in Millennium branches and on www.bankmillennium.pl. The Bank makes a case-by-case assessment of the Applicant’s credit capacity and worthiness before granting the Overdraft; in justified cases it may refuse to grant it. Details concerning the promotion are stipulated in the “30 Days Without Interest Promotion Regulations” and in the “Overdraft Special Offer Regulations” available in Millennium branches and on www.bankmillennium.pl The minimum  Overdraft amount is PLN 500.

Annual Percentage Rate (APR) is 11,64%, total loan amount (net of credit-financed costs): 3 338,77 PLN; total amount due: 3 705,16 PLN; variable interest rate 9,99%, total cost of the loan: 366,39 PLN (including: commission 0,98% (32,85 PLN); interest 333,54 PLN; insurance 0 PLN; additional services 0 PLN – monthly fee for Konto 360°, in case of booking on the account of at least 1000 PLN external inflows and at least 1 payment with the debit card / BLIK in a month; otherwise the monthly fee for the account shall be 8 PLN); tenor: 12 months; during the entire period the overdraft is fully used; interest paid monthly, principal in a single payment at the end of the tenor. The calculation was made as of 01.09.2016 on a representative example.