Bank Millennium Integration — Import Transactions to Freenance

Importing Transactions from Bank Millennium

Freenance offers full integration with Bank Millennium through CSV import from the Millenet online banking portal. Automatic categorization and spending analysis give you better control over both personal and business finances.

Step-by-Step Guide — Millenet

Step 1: Log In and Navigate

1. Log in to Millenet (www.millenet.pl)
2. Navigate to the Accounts section
3. Select the account whose history you want to export
4. Click Transaction History in the side menu
5. Alternatively, go to Statements > Transaction History

Step 2: Configure the Export

1. Select a date range:

   • Up to 6 months per export
   • For longer periods, run multiple exports

2. Filtering (optional):

   • Transaction type: all or selected
   • Amount range (to skip small transactions)
   • Status: posted transactions

3. Export format:

   • Choose CSV (recommended for Freenance)
   • Excel is also supported, but CSV is faster

4. Character encoding:

   • Set to UTF-8 or Windows-1250 (for Polish characters)

Step 3: Download and Verify

1. Click Export or Download
2. Millennium will generate the file — this may take 10–30 seconds
3. Save the file with a clear name (e.g., Millennium_Jan-Jun_2025.csv)
4. Verify that the file contains data by opening it in Notepad or Excel

Import to Freenance

Import Process

1. Log in to Freenance
2. Go to Import — Expenses > Import Transactions
3. Select bank: Bank Millennium
4. Upload the file: Drag the CSV or click "Choose file"
5. Column mapping: Freenance auto-detects the Millennium format
6. Preview: Check that the transactions look correct
7. Confirm import: Click "Import X transactions"

After Import — Automatic Processing

Freenance immediately:

• Categorizes transactions based on merchant names and payees
• Detects recurring payments (bills, subscriptions)
• Identifies duplicates from previous imports
• Assigns geolocation (when available)
• Creates learning rules for future imports

Supported Account Types and Transactions

Personal Accounts

Credit and Debit Cards

Supported cards:

• Millennium debit cards (Visa, Mastercard)
• Millennium credit cards
• Co-branded cards (e.g., loyalty program partnerships)

Detail level:

• Merchant name (shop, restaurant)
• MCC category (Merchant Category Code)
• Transaction location (city, country)
• Authorization type (PIN, contactless, online)

Intelligent Transaction Recognition

Automatic Categorization

High-accuracy examples (>95%):

Machine Learning Categorization

How the system learns:

1. First categorization — based on name and patterns
2. Your corrections — the system remembers your preferences
3. Future transactions — increasingly accurate matches

Payment Pattern Detection

Fixed payments:

• Recurring bills (energy, gas, internet)
• Subscriptions (Netflix, Spotify, gym)
• Loan and lease installments

Seasonal payments:

• Insurance (annual)
• Taxes (quarterly/annual)
• Holidays and vacations

Special Millennium Features

Multi-Currency Support

Supported currencies:

• PLN (Polish zloty) — full support
• EUR, USD — converted to PLN at NBP exchange rates
• Other currencies — automatic conversion

Best Practices

Update Frequency

For individuals:

• Minimum: Once a month (end of month)
• Optimal: Every 2 weeks (budget control)
• Advanced: Weekly (precise planning)

For businesses:

• Minimum: Weekly
• Accounting: Daily during reporting periods
• Cash flow control: Every business day

Troubleshooting

"Empty export file"

Possible causes:

• Selected period has no transactions
• Filters are too restrictive
• System error in Millenet

Solutions:

1. Verify there were transactions in the selected period
2. Remove all filters and export again
3. Try a shorter period (1 month instead of 6)
4. Contact Bank Millennium if the problem persists

"Garbled Polish characters"

Symptoms: Characters like ąęćłńóśźż appear as gibberish

Solution:

1. In Millenet, select UTF-8 encoding before export
2. In Freenance, use the "Auto-detect encoding" option
3. If that doesn't help, open the CSV in Notepad and re-save as UTF-8

"Duplicate transactions"

Causes:

• Overlapping export periods
• Re-importing the same file
• Transactions posted with a delay

Solutions:

• Freenance automatically detects duplicates
• Use the "Skip duplicates on import" option if in doubt
• Review the transaction list before confirming

Data Security

Privacy Protection

Local processing: Most data operations happen in your browser, not on Freenance servers.

Encryption: All transmitted data is encrypted with SSL/TLS.

No bank account access: Freenance never requires passwords or access to Millenet.

Security Recommendations

1. Only download files from the official Millenet portal
2. Delete CSV files from your computer after import
3. Use strong passwords for your Freenance account
4. Enable 2FA (two-factor authentication) in Freenance

Freenance vs Banking Apps

👉 Connect your Millennium account with Freenance — intelligent financial management based on real banking data.