Bank Millennium Integration — Import Transactions to Freenance

Importing Transactions from Bank Millennium

Bank Millennium is one of the largest retail banks in Poland. Personal and business clients can export their transaction history from the Millenet online banking portal as a CSV file and load it into Freenance. After import, Freenance automatically categorizes spending, detects subscriptions, and shows your Financial Freedom Runway.

The whole process takes 2–3 minutes. Here's how.

Step 1: Export from Millenet

1. Sign in to Millenet (millenet.pl).
2. Pick the account whose history you want to export.
3. Open Transaction history.
4. Set a date range (Millenet lets you go back several years; for the first import we recommend 6–12 months).
5. Click Export and choose CSV.
6. Save the file to disk.

Note: Millenet exports CSV files using either a comma (,) or a semicolon (;) as delimiter, depending on your locale settings — Freenance auto-detects both. The file should be UTF-8 (or Windows-1250 — Freenance handles that too).

Step 2: Rename the file

Freenance expects CSV files to follow this naming convention:

millennium-{account-number}.csv

Example: millennium-14116022020000000309524933.csv (full IBAN account number, no spaces, no PL prefix).

The account number lets Freenance recognize that future imports refer to the same account (avoiding duplicates) and detect internal transfers between your accounts.

Step 3: Import to Freenance

1. Sign in to Freenance.
2. Open Configuration → Bank import.
3. Drag the CSV onto the upload area or click Choose file.
4. Click Upload.
5. After a few seconds the import job will report how many incomes and expenses were created and the date range covered.

The file is processed on Freenance's server. Freenance does not ask for your Millenet login or password — it works only on the file you provide.

What happens after import

• Automatic categorization — Freenance recognizes typical merchants (Żabka → Groceries, Orlen → Transport, Netflix → Subscriptions) using the transaction description and your past corrections.
• Recurring payment detection — subscriptions, loan instalments, rent get flagged as recurring so you see your fixed monthly outgoings.
• Duplicate detection — overlapping import windows skip transactions already in your database.
• Internal transfer detection — transfers between your own accounts in Freenance aren't counted as income or expense.

You can override any category — Freenance remembers your edits and applies them to similar future transactions.

Supported Millennium accounts and cards

Freenance imports transaction history from any account available in Millenet, including:

• Personal accounts (eKonto, Konto 360°, Konto 360° Junior)
• Savings accounts
• Business accounts (Konto Mój Biznes)
• Millennium credit and debit cards

Export each account separately and name the file with that account's IBAN.

Troubleshooting

"0 incomes, 0 expenses created" — most common cause is an unexpected delimiter. Freenance handles both , and ; — but if you still see zero, open the file in a text editor and check that the first row contains headers like "Numer rachunku/karty","Data transakcji",.... If the headers look different, your export likely used a different format — try exporting again from Millenet with the CSV option.

Garbled Polish characters — set the export encoding to UTF-8 in Millenet and download again.

File rejected on upload — make sure the filename matches millennium-{26-digit-account-number}.csv. Freenance shows the exact pattern if your name doesn't match.

Recent transactions missing — pending transactions (not yet posted) don't appear in the export. They will show up on a future import once Millennium posts them; Freenance will pick them up automatically.

Is my data secure?

• No bank account access — Freenance never asks for your Millenet login or password. You import only the file you download yourself.
• Encrypted transmission — all uploads use HTTPS.
• Delete any time — from your Freenance account you can delete individual transactions, an entire account, or all your data (GDPR-compliant).

How often should I import?

Duplicate detection means there's no harm in re-importing overlapping periods — for example, "always the last 30 days" is a perfectly fine routine.

Other banks in Freenance

Freenance also imports from PKO, ING, Revolut, Credit Agricole, and Nest Bank. All accounts live in one dashboard, share one categorization model, and feed into one budget.

Your bank isn't listed? Email us with a sample CSV — we add new bank parsers based on user requests.

Get started

Export from Millenet + import to Freenance = 2–3 minutes. After the import you'll see exactly how much you spend in each category, which subscriptions are active, and how many months you could live on your current savings.

👉 Sign up for Freenance and import your first Bank Millennium file.

FAQ

What filename does Freenance expect for a Millennium CSV?

Files should follow the pattern millennium-{26-digit-account-number}.csv — the full IBAN with no spaces and no PL prefix. If the upload is rejected, Freenance displays the exact pattern your filename must match.

Does the delimiter in the Millenet CSV matter?

No. Millenet exports use either a comma or a semicolon depending on your locale, and Freenance auto-detects both. UTF-8 and Windows-1250 encodings are also both handled automatically.

Why do pending Millennium transactions not appear after import?

Pending (not yet posted) operations are excluded from Millenet's CSV export. They appear on the next export once Millennium has posted them, and Freenance will pick them up automatically without creating duplicates.

Can I import business and personal Millennium accounts side by side?

Yes. Export each account separately from Millenet, name each file with that account's IBAN, and upload them one at a time. Freenance keeps personal and Konto Mój Biznes data in separate accounts while consolidating the totals on your dashboard.

How often should I re-import my Millennium history?

Most users do it weekly or every two weeks; monthly is the practical minimum to keep budgets and Financial Freedom Runway accurate. Duplicate detection means re-importing the last 30 days every time is a perfectly safe routine.