Bank Millennium, founded in 1989 as BIG, belongs to the Portuguese Banco Comercial Português group and serves 3 million Polish customers with Konto 360°, cash loans, mortgages and strong mobile banking. The lowest cash loan APR at Bank Millennium is currently 8.29%.
Why choose Bank Millennium?
- One of the best mobile apps in Poland — full English interface
- Portuguese parent (Banco Comercial Português) — international brand recognition in Portugal, UK, Germany
- Polish mortgages available to citizens earning in EUR, GBP, CHF and other EU currencies
- Konto 360° free with active use — multi-currency sub-accounts available
- Strong SME and microbusiness offer
- Transparent products with no hidden fees
- Regular deposit and savings account promotions
Editorial rating
- Offers 4.3
- Service 4.4
- Online banking 4.6
- Costs 4.3
About the bank Bank Millennium
Bank Millennium was founded in 1989 as Bank Inicjatyw Gospodarczych (BIG) and adopted its current name in 2003, becoming part of the Portuguese Banco Comercial Português (BCP) group. The bank has always emphasised modern technology and good customer service — it was one of the pioneers of mobile banking in Poland, and its app is regularly awarded in quality rankings.
Bank Millennium today serves around 3 million customers in Poland through a network of roughly 400 branches plus online and mobile banking. The offer includes Konto 360°, cash loans, mortgages, credit cards, deposits, savings accounts and comprehensive business banking, including SMEs. Bank Millennium is listed on the Warsaw Stock Exchange.
For Polish residents abroad — particularly in Portugal, the United Kingdom, Germany and Ireland — Bank Millennium offers a recognisable Portuguese-origin brand and an English-language mobile app regularly recognised in international rankings. The Millennium app handles BLIK, SEPA transfers, currency exchange and contactless payments, with a clean English interface alongside Polish. Customer service answers English inquiries by phone and in-app chat during Polish business hours. EU residence documents are accepted in the verification flow alongside Polish ID.
Polish citizens earning in EUR, GBP or other EU-zone currencies can use Bank Millennium for SEPA Credit Transfer to and from German, French, Dutch and Irish banks, and for Polish-property mortgages with foreign-currency income accepted in creditworthiness calculations. The Konto 360° account series supports multi-currency sub-accounts and travel-friendly card use. SEPA Instant is supported on growing number of corridors. For daily eurozone spending, fintech alternatives typically offer tighter FX spreads; Millennium's role is the Polish banking relationship — BIK history, Polish mortgages, ZUS and Urząd Skarbowy integration. Cross-border residents commonly hold both.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pożyczka gotówkowa online
Bank Millennium
- APR
- 8.29%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Mortgages
View all offers →Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
Bank Millennium
- APR
- 6.79%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,621 PLN
Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
Bank Millennium
- APR
- 6.15%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,463 PLN
Personal accounts
View all offers →Millennium 360°
Bank Millennium
- Monthly fee
- Free
Business accounts
View all offers →Konto Mój Biznes z premią 5000 zł
Bank Millennium
- Monthly fee
- Free
Savings accounts
View all offers →Konto Oszczędnościowe Profit
Bank Millennium
Konto Oszczędnościowe Profit
Bank Millennium
Konto Oszczędnościowe Profit
Bank Millennium
Konto Oszczędnościowe Profit
Bank Millennium
Pros and cons
Pros
- Excellent mobile app with intuitive UX — full English interface
- High customer satisfaction scores
- Portuguese group brand recognised in Portugal, UK and Germany
- Polish mortgages for citizens earning in foreign currency
- Good welcome promotions for new customers
- Stable brand with 35 years of market presence
Cons
- Smaller bank than segment leaders — fewer branches
- PLN-to-EUR FX spread wider than dedicated fintech FX providers
- Loan offers not always the cheapest
- Mortgage margin slightly above ING or PKO BP
How to apply — Bank Millennium
Bank Millennium is owned by Portugal's Banco Comercial Português group, with an award-winning English mobile app and SEPA — handy for Poles abroad.
- 1
Choose a Millennium offer
Compare Bank Millennium products on kreddo.pl — accounts, loans, deposits.
- 2
Click the CTA
Go directly to the Bank Millennium application page.
- 3
Fill in the application
Use the Millennium mobile app, online banking or visit a branch.
- 4
Receive a decision
Existing customers get a decision within minutes. New customers — usually the same or next day.
Frequently Asked Questions
Is Bank Millennium safe?
Yes. Bank Millennium is listed on the Warsaw Stock Exchange, supervised by KNF and a BFG member. Deposits are insured up to EUR 100,000. The bank belongs to the Portuguese Banco Comercial Português group — one of the largest banks in the Iberian peninsula.
Can I open a Bank Millennium account from abroad?
Yes. Bank Millennium supports remote account opening via mObywatel verification or selfie identity check. EU residence documents are accepted alongside Polish ID. The award-winning mobile app and web banking offer English interfaces, making it practical for Polish residents in Portugal, the UK, Germany and other EU countries.
Is the Millennium mobile app available in English?
Yes. The Millennium mobile app provides a full English interface alongside Polish. All major features — BLIK, transfers, currency exchange, card management, statements — are available in English. The bank's web banking also supports English. The app is regularly recognised in international quality rankings.
Does Bank Millennium support SEPA to Portugal, Germany and the UK?
Yes. Standard SEPA Credit Transfer for euro-denominated transfers within the eurozone and the EEA. Transfers to Banco Comercial Português in Portugal — Millennium's parent — and to other eurozone banks complete same-day under standard SEPA rules. SEPA Instant is supported on a growing list of corridors.
Can I get a Polish mortgage from Bank Millennium while working abroad?
Yes. Bank Millennium accepts foreign-currency income (EUR, GBP, CHF) in mortgage creditworthiness calculations. Polish citizens earning in Portugal, the UK, Germany or the Netherlands commonly use Millennium for property purchases in Poland, with documented foreign employment contracts and tax returns.
How much does Konto 360° cost?
Konto 360° is free if you meet a monthly deposit or card spend condition. Under-26 customers have the free Konto 360° Junior variant. Full pricing is on bankmillennium.pl.
How do I apply for a Millennium loan?
You can apply for a cash loan via the mobile app, online banking or at a branch. Existing customers often have a pre-approved offer with a fast decision.
What is the maximum cash loan amount at Millennium?
Bank Millennium offers cash loans up to PLN 300,000 with repayment up to 120 months. The exact maximum depends on your creditworthiness, BIK history and scoring.
Did Bank Millennium offer CHF mortgages?
Bank Millennium historically granted CHF mortgages, which are currently the subject of numerous court cases. New mortgages are issued in PLN only, in variable or 5-year temporarily fixed variants.
How do I open a Millennium account online?
You can open a Millennium account remotely via mObywatel, selfie verification or a verification transfer. The process takes a few minutes and the card arrives within 5–7 business days.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.