Bank Millennium (loans) vs Erste Bank Polska (loans): which is better? Comparison 2026
By our public methodology Bank Millennium (loans) scores 91 out of 100 and Erste Bank Polska (loans) scores 78. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Bank Millennium (loans) | Erste Bank Polska (loans) | |
|---|---|---|
| Licence | 100 | 100 |
| Transparency | 100 | 60 |
| Cost | 70 | 64 |
| Service | 88 | 90 |
Pros and cons
Bank Millennium (loans)
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Erste Bank Polska (loans)
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- No arrangement fee in the standard terms
Facts side by side
| Fact | Bank Millennium (loans) | Erste Bank Polska (loans) |
|---|---|---|
| Licensed since | 1989 bankmillennium.pl | 1989 erste.pl |
| Licensed by the regulator | Yes knf.gov.pl | Yes knf.gov.pl |
| Published rate, % of country reference | 111% bankmillennium.pl | 122% erste.pl |
| Free early repayment | Yes bankmillennium.pl | Yes erste.pl |
| No arrangement fee | Yes bankmillennium.pl | Yes erste.pl |
| Fees or terms published | Yes bankmillennium.pl | Not verified |
| Complaints procedure | Yes bankmillennium.pl | Yes erste.pl |
| Online application for new customers | Yes bankmillennium.pl | Yes erste.pl |
| Support hours a week | 168 h bankmillennium.pl | 168 h erste.pl |
| Maximum amount, % of country reference | 100% bankmillennium.pl | 100% erste.pl |
| Longest term | 108 mo bankmillennium.pl | 120 mo erste.pl |