Private Individuals
Current account and attached services
What does IBAN mean?
The International Bank Account Number or IBAN is a an international standard for numbering bank accounts developed ECBS (European Committee for Banking Standards) in order to improve the payments system in the European Union. In Romania, the code is composed of 24 characters.
How can I find out what’s the balance of my account?
There are different ways in which you can request your Millennium Bank account balance:
In person, visiting any Millennium Bank Romania branch, and presenting your valid identity card or valid passport;
In case you have a debit card attached to the current account, the balance can be enquired at ATM. You can also check your balance free of charge through Internet Baking and Call Centre - you just have to be enrolled for these services.
Why should I choose a package?
Millennium Bank packages are modern and flexible solutions for managing personal finances. For one low price you get access to a broad range of products and services and also additional benefits. The Packages include besides current account, cards and internet banking/ call center option. Millennium Bank packages help you save time and money.
Why should I choose the overdraft?
Offers the possibility of having a permanent financial reserve in RON which up to 3 times your net monthly salary, monthly requiring reimbursing only of the interest calculated for the used amount.
Loans
What kind of insurance is required for a mortgage loan for acquisition of a home?
In case you apply for a mortgage loan, it is necessary to sign the insurance for that building for covering the loan period, and paying an annual/ semiannual premium directly to the insurance company. You can have this insurance issued at the bank with Interamerican Romania Insurance Company for 0.215% / year from the real estate value.
What kind of conditions is required in case I would like to use my land as a mortgage for a loan?
The land has to fulfill the following conditions:
- to be considered an inland and constructible
- free form any burdens
Savings products
Which is the minimum amount in order to create a deposit?
In order to create a deposit at Millennium Bank it is necessary to have minimum 500 RON, 200 EUR or 200 USD.
Can I periodically deposit a certain amount after the deposit has been created?
If you have a Standard Term Deposit, you have the possibility to increase the deposit amount at roll over date. Minimum amount for each increase: 500 RON/ 200 EUR/ 200 USD
If you have a Saving Account, you can deposit money in the account at anytime with no amount limitation
Cards
Can more credit cards be issued on my account?
Yes, you can ask for many supplementary cards for your family members linked to your credit card limit.
Can more debit cards be issued on my account?
Yes, you can ask for many supplementary cards linked to your primary cards’ account.
What does the grace period represent for a credit card?
The grace period available for credit cards represents the maximum number of days when your merchant transactions are not being charged with interest. The maximum 55 days period is available for merchant payments provided that you repay all the used amounts at due date.
Internet Banking
To whom is the Internet Banking service addressed?
Internet Banking is available for individuals who have a Millennium Bank account. In case you hold a Millennium Bank package, the service is provided free of charge. In order to access this service, you must sign a contract with the bank.
How do I change Password1 and Password2?
To change Password1 or Password2 click on the “User Profile” tag, then select “Password Manager” to change Password1 and/or Password2.
What should I do if I forgot or lost Password1?
Please go to a Millennium Branch to collect an envelope with a new Password1.
What should I do if I forgot or lost Password2?
Please go to an ATM with a Millennium debit or credit card to generate a new Password2.
At the next login to Internet Banking, the system will enforce the change of the Password2.
What do I do if Password1 is blocked?
Please call 0 801 000 111 and request Internet Banking password unblocking.
How do I change the Transaction Limit?
Please address in person a request to change the Transaction Limit at any Millennium Bank location.
Can I change the time-out settings in Internet Banking?
The time-out duration can be changed in “User Profile” - “Security Settings” by selecting “High”, “Medium”, or “Low”, or by specifying the time in minutes (maximum time-out duration is 15 minutes).
How do I check if a transfer was made?
You can check this in “Detailed Information” on the account from which the transfer was made.
How do I view account details from two or three months before?
The account history for previous months is fully available and, in order to obtain information about previous months, you can use "Current Accounts", choose account, and next “Show Filters” and select the desired time frame.
You can also download and save the account history for previous months to your disk by choosing the "Account activity" option, marking the account and choosing the month and the file format.