Services

Cash Back

When you pay with debit card for your purchases at points of sales you can also withdraw cash.


Cash Back is a service which allows Millennium Bank debit card cardholders easy cash withdrawal up to PLN 300 in Poland in points of sales marked Visa Cash Back/Maestro Cash Back. Just tell the seller that you want to withdraw cash.  

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.

Contactless MiniCard

The MasterCard Contactless MiniCard is in the form of a sticker to be put on a mobile phone or any other object you carry on with you.

  • What is the Contactless MiniCard?

    The Contactless MiniCard is an additional credit card made as a small contactless card which you can put on your mobile phone, mp3 player or any other item which you always carry on with you. This is the perfect way to pay if time is of essence!

    The Contactless MiniCard permits making daily shopping in all outlets in Poland which have the special MasterCard Contactless MiniCard terminals.

    With the Contactless MiniCard you can make contactless payments:

    • up to PLN 50 - without the need to type the PIN number or sign the receipt,
    • above PLN 50 - transactions to be confirmed with the PIN number.

  • What are the benefits?

    The Contactless MiniCard is an innovative and convenient way to pay for shopping:

    • easier - you do not have to look for an ATM or carry small change,
    • faster - you do not have to type the PIN number with payments below PLN 50,
    • more convenient - you can stick the Contactless MiniCard on any item which you always carry with you, e.g. a mobile phone,
    • safer - you do not give the card to the merchant always keeping it with you and when you lose the Contactless MiniCard you can report it immediately and it will stop working.

  • How to get a Contactless MiniCard?

    If you have a Bank Millennium MasterCard Impresja, MasterCard or MasterCard Gold credit card you can get an additional Contactless MiniCard for yourself or for someone you indicate.


  • How to pay with Contactless MiniCard?

    • The merchant will type in the amount to be paid which will be shown on the Contactless MiniCard terminal display,
    • put the Contactless MiniCard near the place marked with the appropriate symbol on the terminal,
    • after a beep four green LEDs will light up informing that the payment has been accepted; if the payment does not exceed PLN 50, you will not have to type your PIN number or sign the printout.

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?

    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 Easy Instalments credit programme is 12.58 %; total loan amount (net of loan-financed costs): PLN 3000; total amount due: PLN 3194.97; fixed interest rate 10%; total cost of the loan: PLN 194.97 (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 1.07.2016 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 Easy Instalments 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 260. The calculation was made as of 1.07.2016 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 Easy Instalments 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% of debt value; interest PLN 0); 12 equal monthly instalments of PLN 252.20. The calculation was made as of 1.07.2016 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, which enables holders of Bank Millennium credit cards to recover the funds from a questioned transaction, e.g. when a service provider failed to provide a service or sold goods were not as specified in the earlier agreement and it was not possible to recover the money directly from the seller.

A Customer, who wants to use the chargeback service, should file a claim regarding the transaction. The Bank will send the chargeback in accordance with regulations of card organisations (VISA or MasterCard) to the service provider's clearing institution.

  • What transactions can be claimed?

    A Customer can file a claim with the Bank against any transaction done with a card. If a transaction is eligible for chargeback according to the card organisation's regulations, it will be forwarded to the service provider's clearing institution for investigation. Otherwise it will be the Bank deciding whether to effect the chargeback with own funds or not.

    What transactions can be claimed:

    • ATM denied all or part of a cash withdrawal,
    • the service or good was not delivered or was not as described in the contract,
    • the transaction was booked more than once,
    • a previously cancelled transaction was booked.

    Transactions may be claimed against irrespective of whether it is a business or private card. The claim should be filed by the cardholder, whose name is on the card.


  • What should a customer do to get chargeback?

    He should simply file a claim: in a Millennium branch, via TeleMillennium or online in Millenet.

    The claim should contain the following:

    • cardholder's data and card number,
    • data of the claimed transaction: date, amount and where it was done,
    • in case of a service, which was to have been provided at a later date but for reasons not attributable to the Customer it will not be provided, the date and type of the planned service should also be stated
    • description of the problem,
    • a statement from the Customer on an attempt to contact / contacting the service provider (primarily when: the service or good was not delivered, service or good not as described, transaction denied in a terminal, the Customer used other funds to pay for the goods).

    During processing of a claim the Customer may be asked to deliver additional documents connected with the transaction.

    Depending on the type of transaction chargeback is available during a period of 45 – 120 days.


  • What happens after filing the claim?

    A Customer who wants to use the chargeback service must only file a claim with any documents, as may be required, and will not be involved anymore in the process. The Bank will follow the chargeback procedure to forward the case to the service provider's clearing institution. The clearing institution has a deadline to meet as regards accepting or denying the claim. If it denies the claim, it must provide information / documents to confirm that the payment was legitimate. If the clearing institution fails to deny the chargeback by the defined deadline, the Bank will deem the claim reasonable.

    From the time of filing a claim it should be processed within the maximum period of 60 days in keeping with the Act on Processing of Claims by Financial Service Providers and on the Financial Ombudsman; however the chargeback procedure itself is conducted in keeping with deadlines stipulated in regulations of international card companies. In practice this means that the Bank may provide information about results of the chargeback procedure after obtaining the final position of the Service provider’s clearing institution i.e. in a period of more than 60 days.

    The Customer will be informed about the decision regarding the claim in a form specified by him when lodging it i.e. by e-mail, via Millenet or by text.


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 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.