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 Payments Programme

What is the Easy Payments Programme?

The Easy Payments Credit Programme permits repayment of spending done with the credit card in equal instalments with an attractive interest rate.

It is very easy to take part in the Programme and is done without any undue formalities - one phone call will suffice! You personally decide which transactions or what amount of used credit limit to spread into instalments and how long you want to repay them!

How does the Easy Payments Programme work?


  • e.g. on June 16th you buy a TV set for PLN 1 000 with Your credit card,
  • after receiving the billing statement at the beginning of July you call Prestige Line and order repayment of this amount in 12 instalments,
  • each instalment, given an interest rate of 10.00%, 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.

* Actual Annual Percentage Rate is 12.58%. Fee for opening the Programme: PLN 10. Total credit cost: PLN 64,99.

Some important information:

  • you can repay in instalments any non-cash transactions made above PLN 50 or a given amount of used credit limit. Minimum amount of Easy payments programme is 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),
  • you have a choice of 6,9,12 or 24 instalments,
  • the maximum value of transactions or used credit limit spread into instalments cannot exceed the total limit on your card,
  • you can always repay the credit earlier, at no extra cost.

How to join the programme?

  • make sure that you have active access to Electronic Banking Channels,
  • call Prestige Line (801 12 7000) and tell the Consultant, which transactions you want to repay in instalments,
  • our Consultant will inform you about all important details: instalment amount and interest rate, and then will execute your instructions.

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 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 35 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 35 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. Text alerts are sent to a defined phone number (either Polish or foreign).

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.