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
- Konto 360° free with active use
- 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.
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
- 6.93%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,680 PLN
Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
Bank Millennium
- APR
- 6.29%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,520 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
Pros and cons
Pros
- Excellent mobile app with intuitive UX
- High customer satisfaction scores
- Good welcome promotions for new customers
- Stable brand with 35 years of market presence
Cons
- Smaller bank than segment leaders — fewer branches
- Loan offers not always the cheapest
- Mortgage margin slightly above ING or PKO BP
How to apply — Bank Millennium
Bank Millennium is a modern bank owned by the Portuguese Banco Comercial Português group, valued for simplicity of service and a great mobile app.
- 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.
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.
Is the Millennium mobile app good?
Yes — the Bank Millennium mobile app is regularly awarded in quality and functionality rankings. It provides full account management, BLIK, currency exchange, motorway payments and management of credit and savings products.
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.