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From 15 May 2021, Millenet online banking system will not be available in this web browser, and some elements may not be displayed correctly on our website. Update or change it now.
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For continued improvement of your company’s liquidity
About the product
A current account overdraft provides constant and convenient access to funds within an established credit limit. It will help you maintain your company's liquidity and focus on its development.
Additional funds for any business purpose
Flexible repayment - every deposit into the account automatically reduces the outstanding debt
Constant access to funds with a card issued to the account
Variable interest rate based on the reference rate of the National Bank of Poland (NBP) and the bank’s margin
Take advantage of the current account overdraft with de minimis guarantee until 31.12.2025, and benefit from the promotion. Now you won't pay a preparation fee, and you will receive a 0.3% refund of the limit's value after meeting simple conditions. Details can be found in the Promotion regulations (in Polish).
Opt for flexible financing with a BGK guarantee and pursue any business goal. You will apply for a current account overdraft online and then sign the agreement at any branch of our bank.
0% commission for granting the loan
BGK's de minimis guarantee secures 60% of the loan amount
0.5% commission for granting the guarantee
Get the convenience of planning your company's expenses. Apply for an overdraft without collateral at any bank branch.
Renewable limit every 12 months
2% commission for granting the loan
Constant access to funds with a card issued to the account
Check out what you can gain with a current account overdraft
Additional funds for any business purpose
Constant access to funds with a card issued to the account
All incoming funds on your current account will automatically reduce your debt
High loan amount – up to 570,000 PLN without collateral with a de minimis guarantee
How to use
Millenet
Millenet is online banking system that provides you with constant access to your account and other banking products as well as additional services. With Millenet, you can easily check information about your credit account balance and transaction history.
The app allows you to manage your account on your phone wherever you are. You can make transfers, pay in stores, withdraw cash, and check your credit account balance and transaction history.