Every dream can be your goal

With a personal account at Millennium Bank you can set up to 10 accounts - savings goals.
  • Do you dream about your own flat? Or are you saving for a car? If your family is keeping their fingers crossed for you, they can also transfer money to Twój Cel account.
  • You and your friends want to go on a dream trip? Be a modern treasurer, because friends can transfer money from their accounts to Twój Cel accounts.
  • Do you know the value of expecting the unexpected? The Twój Cel Savings Account is the piggy bank you'll open when sudden expenses arise.

How do you save money?

Save as you like. We give you three savings scenarios to choose from, because you know best which way works for you.
  1. You can tell us the value of your goal and when you want to reach it. We'll tell you what monthly contributions will allow you to achieve that goal.
  2. You know your monthly savings capacity and the amount you want to ultimately put away. Our savings account calculator will estimate when you will reach your dream goal.
  3. You want to save for a sunny, foggy or rainy day. We'll ask you how much you can put away each month and our forecast will show you your savings in one, three or even five years' time.

Legal note

The current promotion “Premia za regularność” on the Twój Cel Savings Account is valid from 22.07.2025 to 31.01.2026. The promotional interest rate is 2% per annum. The standard interest rate will be increased by the promotional interest rate from 0.75% to 2.75% per annum, if you increase your account balance with a deposit of at least PLN 100 in a month. This condition will be checked on the last calendar day of the month. We charge the increased promotional interest rate up to PLN 25,000. For the excess, the standard interest rate of 0.75% per annum applies. We provide the Twój Cel Savings Account only to holders of a personal account, which is a payment account. The opening of the account, its maintenance and own transfers from the Twój Cel Savings Account are free of charge. Detailed information on the rules of keeping the Twój Cel Savings Account and the conditions of the promotion are described in Regulations of the promotion “Premia za regularność”, General Regulations of providing banking services for individuals in Bank Millennium S.A. and Price list - interest rates. The documents are available in the bank's branches and on the Banku Millennium website. Concepts i.a. payment account are explained in the list of representative services available at: https://bankmillennium.pl/delegate/managedfiles/824/latest