Services

Cash Back

Withdraw cash when you pay with debit card for your purchases at a store or services at points of sales.


Cash Back is a free service which allows you to withdraw cash when paying with a debit card for a purchase or a service:

  • up to 500 PLN at one time with Maestro/ MasterCard card payment,
  • up to 300 PLN at one time with Visa card payment.

Cash Back service is a:

  • convenient form of cash withdrawal on the occasion of purchasing,
  • time saver - no need to look for an ATM,
  • service completely free of charge.

Just tell the seller of your intention to withdraw the required amount of money!
The service is available for Millennium debit cards

Easy Instalments Programme

You can repay your credit card spending in even monthly instalments with attractive interest rate. You get to choose yourself which transactions or amount of used credit limit you want to spread into instalments and how long you want to repay them!

You've done some big shopping? You can divide your spending into instalments at the point of sale, but you'll do it much faster and easier in Bank Millennium:

  • you don't sign any agreement or submit documents
  • you can divide into instalments multiple transactions
  • you enjoy greater freedom of shopping by paying off your card later
  • you know the detailed repayment schedule

Spreading credit card costs with Easy Instalments is as easy as 1-2-3 - you don't even have to visit our branch. Just log in to Millenet e-banking system or in the mobile app. You can also call our 24/7 helpline TeleMillennium.

  • How do Easy Instalments work (APR 12.58%)?

    Example:

    • on June 16th you buy a TV set for PLN 1000 with your credit card,
    • after receiving the billing statement at the beginning of July you log in to Millenet or mobile app and order repayment of this amount in 12 instalments,
    • each instalment, given an interest rate of 10%, will be PLN 87.92*,
    • you will pay the first instalment together with the card monthly payment for August - i.e. by September 20th,
    • every month enclosed with your billing statement you will find information about the instalment and number of instalments outstanding.

    * Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty credit programme is 12.58 %; total loan amount (net of loan-financed costs): PLN 3000; total amount due: PLN 3194.94; fixed interest rate 10%; total cost of the loan: PLN 194.94 (including: fee for splitting transaction repayment into instalments 1% of debt value - PLN 30, interest PLN 164.97); 12 equal monthly instalments of PLN 263.75. The calculation was made as of 18.12.2018 on a representative example.


  • How do Easy Instalments 0% for Alfa card work (APR 7,87%)?

    You can split-up spending made with Millennium Alfa card into 0% equal monthly instalments. Choose the number of instalments yourself: 6, 9, 12 or 24. You can use the 0% Easy Instalments programme once a year up to the amount of PLN 3000; in addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

    Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

    The Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 7.87 %; total loan amount (net of loan-financed costs): PLN 3000; total amount due: PLN 3120; fixed interest rate 0%; total cost of the loan: PLN 120 (including: fee for splitting transaction repayment into instalments 4% of debt value - PLN 120, interest PLN 0); 12 equal monthly instalments of PLN 250. The calculation was made as of 18.12.2018 on a representative example.


  • How do Easy Instalments 0% for Impresja card work (APR 1,88%)?

    You can split your spending made with Millennium Impresja card into 0% equal monthly instalments. You get to choose the number of instalments yourself – the period can be 6, 9 or 12 months. You can use the 0% Easy Instalments programme twice a year up to the amount of PLN 3000; in addition to 0% Easy Instalments programme, you can use standard Easy Instalments.

    Just log in to Millenet e-banking system or to the mobile app and select the transaction or used limit in credit card details. You can also call our 24/7 helpline TeleMillennium (801 331 331). The only cost you pay is the one-off commission for launching the programme.

    The Annual Percentage Rate (APR) for repayment of debt in Wygodne Raty 0% credit programme is 1.88 %; total loan amount (net of loan-financed costs): PLN 3000; total amount due: PLN 3030; fixed interest rate 0%; total cost of the loan: PLN 30 (including: fee for splitting transaction repayment into instalments 1% - PLN 30 of debt value; interest PLN 0); 12 equal monthly instalments of PLN 250.00. The calculation was made as of 18.12.2018 on a representative example.


  • What transactions can be divided into instalments?

    You can repay in instalments any non-cash transactions made above PLN 300 or a specified amount of used credit limit. Minimum amount of Easy Instalments programme has to be higher than PLN 300.
    You can spread into instalments the transactions or used credit limit, which are not yet payable according to the billing statement (the instructions should be filed not later than 3 days before due and payable date).


  • How many instalments can transactions be divided into?

    You have a choice of 6, 9, 12 or 24 instalments (in 0% interest rate special offer for Millennium Impresja cards you have a choice of 6, 9 or 12 instalments).


  • What total value of transactions can be repaid in instalments?

    The maximum value of transactions or used credit limit spread into instalments cannot exceed the total limit on your card. The amount divided into Easy Installments programme decreases the available limit proportionately.

    Additionally, in 0% interest rate special offer for Millennium Impresja and Millennium Alfa cards, the maximum total amount of transactions or used credit limit covered by one programme is PLN 3000.


  • How to benefit from Easy Instalments?

    In Millenet e-banking system:

    Log in to Millenet and go to Credit card details. All transactions you can divide into Easy Instalments are marked with a percentage icon. You can also divide into instalments a part of or the whole amount of used credit card limit.

    In mobile app:

    Log in to mobile app and go to Other transactions > Easy instalments. There you'll find the list of all transactions you can divide into Easy Instalments. Select a transaction, choose the number of instalments, confirm, and that's all! If you wish to divide into instalments the used credit card limit, go to credit card details in My products.

    By phone:

    Call our 24/7 helpline TeleMillennium (801 331 331) and tell the Consultant which transactions you want to divide and into how many instalments. Our Consultant will provide you with all important details: instalment amount, repayment date and interest rate, and then will execute your instructions. Information on Easy Instalments, including the repayment schedule, will be then available in Millenet and mobile app.


  • Can I make an early repayment of Easy Instalments?

    You can repay Easy Instalments earlier in full or in part through Millenet. Early repayment does not reduce the initially selected number of monthly instalments but decreases their amount proportionately.


Chargeback service

Chargeback is a service provided by payment organisations (VISA and Mastercard), enabling holders of Bank Millennium’s payment cards to recover funds in a challenged transaction, which was not executed or was executed incorrectly and the money could not be recovered from the service provider directly.

A client who wants to resort to Chargeback should report a specific transaction, applying to the Bank for a reversal of funds in chargeback procedure. The Bank will send a request for chargeback in accordance with regulations of payment organisations, to the particular service provider’s payment processor.

  • In case of what transactions can a chargeback request be submitted

    If the regulations of a particular payment organisation do make a particular transaction eligible for chargeback, an enquiry regarding a transaction specified in the a/m request will be sent to the service provider’s payments processor for clarification.

    Examples of situation, which a Client can complain about:

    • cash withdrawal from an ATM other than Bank Millennium was not made or was made in part,
    • the service or goods were not delivered by the seller or service provider other than Bank Millennium or were not as agreed with such entity,
    • the transaction was billed more than once,
    • a previously cancelled transaction was billed.

    Transactions may be challenged regardless of whether the card involved is a company card or a private one. The complaint should be submitted by the cardholder whose name is printed on the card.


  • What should a Client do, to initiate chargeback procedure?

    All it takes is to file a request for reversal of funds: in a Millennium branch, in TeleMillennium or via Millenet.

    The request should contain:

    • data of the cardholder as well as the card number,
    • data of the challenged transaction i.e.: date, amount and information on where the transaction was made,
    • in case of a service, which was to have been performed at a later date, but for reasons not attributable to the Client it will not be possible to perform it, the date and type of planned service should be stated,
    • description of the problem,
    • Client’s declaration about an attempt to contact/having contacted the service provider (mainly when: the service or goods were not delivered, the service or goods were not as described, the transaction was rejected in the terminal, the Client paid with other means for the goods).

    During processing of a claim the Client may be sked to provide additional documents related to the transaction. Depending on the type of transaction, chargeback may be initiated up to 120 days from the challenged transaction.


  • What happens after requesting a reversal of funds in chargeback procedure?

    A Client initiating chargeback only needs to submit a request with any documents confirming his request and is not involved in the further process related to performance of reversal of the transaction amount. The Bank will use chargeback procedure to send the case for consideration to the particular Service Provider’s payments processor. The payments processor has a specified time to accept or reject the claim. If the claim is rejected it should provide information/documents confirming that the debit was correct. If the payments processor fails to reject the chargeback request within a specified period of time, the Bank shall deem the request relevant.

    Chargeback procedure is carried out in keeping with deadlines stipulated in the regulations of international card organisations. The Bank shall provide information about the result of chargeback procedure having received the final position of the service provider’s payments processor.

    The Client shall be informed about the decision regarding his chargeback request, in the form he defined when submitting the request, i.e. by e-mail, letter, via Millenet or texted..

    If a claim is submitted regarding services provided by the Bank, the Bank shall be bound by deadlines and principles stipulated in the Act of 19 August 2011 on payment services, insofar as these services are concerned, and in the Act of 5 August 2015 on processing of claims by entities of the financial market and on the Financial Ombudsman, in case of other services.

    If a chargeback request is submitted, the deadlines and principles stipulated in internal regulations of card organisations shall apply.


Pakiet Bezpieczeństwa

The Pakiet Bezpieczeństwa service was developed to ensure security of transactions and other activities involved with using the card.

The service comprises: a pack of Text Alerts (SMS Notifications service) about transactions done with the card and the Ochrona karty insurance suite.

The text alerts are sent to the cardholder after every card transaction, which was authorised by the Bank. The pack has 25 text alerts sent to a defined phone number (either Polish or foreign). After the limit of texts has been expired the alerts will continue to be sent with charges as in the Price List.

Withdrawals from all ATMs in Poland

Package "Withdrawals from all ATMs in Poland" is available for the Millennium Maestro PayPass cards issued to Internet Account and the Millennium MasterCard prepaid cards prepaid. 

Customers who applied for a package enjoy free withdrawals from all ATMs in Poland. The fee for ATM Package "Withdrawals from all ATMs in Poland" (4,99 PLN) is charged for current calendar month. The fee is not charged for the calendar month in which the Package was activated for the first time. For further activation fee is charged for the month in which the Package is activated.