Savings and investments

Saving vs. investing

The worlds of investing and saving are complementary. Each of them allows you to accomplish your objectives in a different way.

By combining investments with saving will give you a sense of financial comfort, and will make your accumulated money grow more efficiently.

  • How to build your capital?


    If you already have a safe financial cushion you can think of investment products to give the rest of your savings the opportunity to grow even more.


    Allows building a safe financial cushion to give you a sense of financial comfort in the future. Try to set aside at least three times your monthly spending.

  • What are my expectations?


    Potentially higher gain.


    Relatively lower pre-defined gain.

  • From what amount can I start?


    You can set up an investment product with as little as PLN 100.


    You can deposit even the smallest amount in a savings account.

  • When can I use the money?


    Usually has a long-term purpose so that the invested money can bring appropriate results.


    You can withdraw the money at any time retaining the deposited principal.

  • Can I feel safe?


    Investment products involve risk; however you can tailor it by choosing the right products.


    You have certainty that you will get the entire deposited amount.

  • Risk vs. gain


    Risk entails a potentially higher gain.


    No risk means safety, but also puts a limit on the rate of return.

See our products

Start saving today! See how to start

1. Define your objective

A good strategy is fundamental. Realistically define your expectations and then see how our savings and investment products can support your decisions and dreams.

2. Try to set money aside regularly

Regularity is what matters most in saving and in investing. Whether you put PLN 10 or PLN 500 aside every month, if you do it regularly it will get you closer to making your dream come true.

3. Allocate the money skilfully

Make use of various products, both savings as well as investment ones, to effectively make your money grow. Better management involves dividing the money in the right way. Before choosing a product, take into consideration:

  • potential gain
  • risk level
  • access to the money while it’s invested in the product

4. Gain experience, get the know-how

The more you know about successful saving and investing, the smarter decisions you will take. Be curious, ask questions, get interested in the subject – greater knowledge about saving and investing is bound to bring results!

Find out:

  • How savings and investment products work
  • What to look for when choosing the products
  • How to manage your money to reach your objectives more successfully
  • What our experts say


Markets in Financial Instruments Directive

What is MiFID?

Look here to find basic information about MiFID.

Client classification

Read about Client classification rules and the Bank's obligations.

Appropriateness assessment

We will check, which financial instruments and products and investment services are appropriate for you.

Risk description

Read about the nature of financial instruments and products and related risks.

Conflict of interests

We operate in a reliable way and in the Clients' best interest.


Look here for all documents about MiFID in Bank Millennium.

Legal notice

Any information contained in this publication is for information only and does not constitute an offer, recommendation or any invitation sent to anyone (or any group of people) to conclude a transaction on financial instruments presented in it. In particular, information contained in this publication does not constitute an offer within the meaning of the Civil Code Act dated 23 April 1964 and is not a service of investment, financial, tax, legal or any other advice.

The terms contained in this publication are for orientation. Any prices and/or specimen transactions are for illustration purposes only and do not constitute an offer of concluding a transaction on such terms or the indication that a transaction on these terms is feasible. Moreover, no calculations or results presented in this publication guarantee future profits. The actual terms of a transaction on financial instruments will be based on market terms established at the moment of its conclusion. Any available price quotations or analyses contained in this publication have been prepared on the basis of assumptions and parameters reflecting the assessment or choice made by the Bank. The Bank shall provide no guarantee of precision, completeness or reasonableness of such quotations or analyses.

The recipient of the information in this publication shall exclusively bear the risk of its using in particular with respect to investment decisions on its basis.

Financial transactions are connected with risk detailed in the „Description of the Risk Connected with Financial Instruments or Products at Bank Millennium S.A.", available from the Bank's outlets and website Anyone who purchases a financial instrument shall accept and bear liability under tax obligations resulting from binding regulations. In view of the above risks and circumstances the Bank's clients should have sufficient knowledge and experience to assess the nature of each financial transaction entertained by them and them associated risk. If in any doubt, clients should use the services of a tax, legal or investment advisor. The Bank shall communicate any additional information which will be validly asked for by the Client to enable him the assessment of the risks and nature of the transaction.

The Client's conclusion of a transaction on financial instruments constitutes grounds for recognition that the Client has familiarised himself with the terms of the transaction and associated risks and accepted them.

The dissemination and distribution of certain financial instruments and trading in them may be subject to certain limitations with respect to certain persons and states, in accordance with appropriate legislation. It is up to the client to demonstrate the legal capacity or rights to invest in a given financial instrument. Financial instruments can be offered and traded exclusively in compliance with the appropriate provisions of law.

The information in this publication shall be made available exclusively to its Recipient. The Recipient must not copy, reproduce nor communicate or make it available to third parties in any other way, in full or in part (except to his professional advisors) without the Bank's prior written consent.

Money invested in: Millennium Fundusz Inwestycyjny Otwarty, Millennium Specjalistyczny Fundusz Inwestycyjny Otwarty, Indywidualne Konto Emerytalne Inwestycyjne, Program Inwestycyjny Przyszłość+, Program Inwestycyjny Wygodny Portfel is not protected by the statutory guarantee scheme of Bank Guarantee Fund. Money invested in investment deposits, Saving Accounts, Termin Deposits and Individual Saving Retirement Account is protected by BFG in keeping with the Act of 10 June 2016 on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution.