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Information on the percentage of margins representing the amount of the total currency conversion fees in relation to the most current reference euro exchange rate announced by the European Central Bank.
Time
- 14:01
- 23:01
The presented margin is the difference between the exchange rate used to settle the transaction (taking into account the Bank’s margin, if applicable for your card, in accordance with the Price list) and the most current reference exchange rate of the euro currency announced by the European Central Bank.
It is presented as a percentage of this difference in relation to the said exchange rate of the European Central Bank with Regulation (EU) 2019/518 of the European Parliament and of the Council of 19 March 2019 amending Regulation (EC) No 924/2009 as regards certain fees for cross-border payments in the Union and fees for currency conversion.
Margins for cards issued by Bank Millennium
| Country | Currency | Code | Bank margin | ||||
|---|---|---|---|---|---|---|---|
| Account in PLN (Visa) | Account in PLN (Mastercard) | Account in EUR (Mastercard) | |||||
| Transactions without Bank margin * | Other currency transactions | Transactions without Bank margin * | Other currency transactions | ||||
| EUGiW | EUR | 978/EUR | 0,86% | 2,88% | 0,89% | 2,90% | – |
| Bulgaria | BGN | 202/BGN | 1,30% | 3,32% | 1,31% | 3,34% | 2,00% |
| Czech Republic | CZK | 213/CZK | 1,33% | 3,35% | 1,27% | 3,30% | 2,03% |
| Denmark | DKK | 792/DKK | 1,29% | 3,31% | 1,30% | 3,33% | 2,02% |
| Iceland | ISK | 352/ISK | 1,15% | 3,17% | 1,46% | 3,49% | 2,95% |
| Switzerland | CHF | 797/CHF | 1,63% | 3,67% | 1,66% | 3,70% | 2,42% |
| Norway | NOK | 796/NOK | 1,30% | 3,32% | 1,15% | 3,18% | 2,34% |
| Romania | RON | 206/RON | 1,40% | 3,43% | 1,37% | 3,40% | 2,87% |
| Sweden | SEK | 798/SEK | 2,29% | 4,34% | 2,32% | 4,37% | 3,13% |
| Hungary | HUF | 207/HUF | 1,46% | 3,49% | 1,15% | 3,18% | 2,65% |
| Poland | PLN | 985/PLN | – | – | – | – | 2,09% |
* 0% Bank margin for foreign currency transactions in currency limit and for all foreign currency card transactions made with:
- Millennium World Debit Mastercard
- Millennium Mastercard World Elite
- Millennium Mastercard World Elite VIP
Margins for cards issued by former eurobank
| Country | Currency | Code | Bank margin | ||||
|---|---|---|---|---|---|---|---|
| Visa | Mastercard | ||||||
| EUGiW | EUR | 978/EUR | 0,86% | 0,89% | |||
| Bulgaria | BGN | 202/BGN | 1,30% | 1,31% | |||
| Czech Republic | CZK | 213/CZK | 1,33% | 1,27% | |||
| Denmark | DKK | 792/DKK | 1,29% | 1,30% | |||
| Iceland | ISK | 352/ISK | 1,15% | 1,46% | |||
| Switzerland | CHF | 797/CHF | 1,63% | 1,66% | |||
| Norway | NOK | 796/NOK | 1,30% | 1,15% | |||
| Romania | RON | 206/RON | 1,40% | 1,37% | |||
| Sweden | SEK | 798/SEK | 2,29% | 2,32% | |||
| Hungary | HUF | 207/HUF | 1,46% | 1,15% | |||
| Poland | PLN | 985/PLN | – | – | |||
Here you can check the margin before 15.03.2023
The Bank margin applies to all transactions made with the Bank`s payment cards, which are made in the currencies of EEA countries and posted to accounts after currency conversion. It doesn`t apply to transactions where there was no currency conversion, i.e. transactions made using the DCC service* or multicurrency card service, which are available for cards from the former eurobank offer.
The Bank notifies individual customers of the margin upon receipt of a payment order for transactions in the currency of EEA countries via Millenet or SMS. For more informtion, see the statement (in Polish).
* DCC service (Dynamic Currency Conversion) - a service available at the acceptance points and ATMs, which consists in selecting the currency in which the card transaction will be made. If the card user selects a currency other than the local currency, no exchange rates or Bank Millennium fees are applied when converting the transaction amount. Currency conversion is then carried out by the payment terminal/ ATM operator, who should present the card user with the exchange rate, the amount of any commission and the final amount of the transaction in the selected currency before approving it.
The Bank notifies individual customers of the margin upon receipt of a payment order for transactions in the currency of EEA countries via Millenet or SMS. For more informtion, see the statement (in Polish).
* DCC service (Dynamic Currency Conversion) - a service available at the acceptance points and ATMs, which consists in selecting the currency in which the card transaction will be made. If the card user selects a currency other than the local currency, no exchange rates or Bank Millennium fees are applied when converting the transaction amount. Currency conversion is then carried out by the payment terminal/ ATM operator, who should present the card user with the exchange rate, the amount of any commission and the final amount of the transaction in the selected currency before approving it.
DCC chart
Exchange rate for the DCC (Dynamic Currency Conversion) service at Bank Millennium ATMs for cardholders issued in GBP, DKK, NOK, SEK, USD and EUR.
| Country | Currency | Code | Currency rate in ATM | Commission * |
|---|---|---|---|---|
| Denmark | DKK | 792/DKK | 1 PLN = 1,9383 DKK | 10,99% |
| Norway | NOK | 796/NOK | 1 PLN = 3,0711 NOK | 10,99% |
| Sweden | SEK | 798/SEK | 1 PLN = 2,8329 SEK | 10,99% |
| United Kingdom | GBP | 789/GBP | 1 PLN = 0,2220 GBP | 10,99% |
| USA | USD | 787/USD | 1 PLN = 0,2954 USD | 10,99% |
| EUGiW | EUR | 978/EUR | 1 PLN = 0,2596 EUR | 10,99% |
* Commission calculated in relation to the most recent reference euro exchange rate announced by the European Central Bank (ECB).