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Current account overdraft in PLN

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.
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  • 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).

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Current account overdraft for your business

  1. With de minimis guarantee
  2. Without collateral
  1. 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
  2. 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

Your benefits

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.

  • Mobile app

    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.

  • Branches and ATMs

    Bank Millennium provides over 600 bank branches throughout Poland and multifunctional ATMs.

Biznes Line Our consultants will provide you with detailed information and perform your orders.
801 31 31 31

line available for fixed-line and mobile calls

Contact form

If you are interested in our offer, please fill in the form below - we will call you back!