Comparison

Bank Millennium vs PKO Junior

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Bank Millennium

Manage your finances with a comprehensive mobile banking app. Track accounts, make transfers, manage cards, and access loans and deposits. Offers features like BLIK payments, insurance, and loyalty card services.

Highlights
  • Account management and transfers
  • Card management and payments
  • Deposit and loan management
  • BLIK mobile payments
  • Insurance services
  • Loyalty card integration
  • Finance Manager tool
Features
Read full description

Bank Millennium mobile app easily adapts to individual needs. It is convenient, easy to use and offers a far wider freedom when it comes to managing finances your way. The mobile app is available in Polish and English. Accounts: • Balance account, history and details • Transfers between own accounts, domestic, instant, to phone number • ZUS and tax transfer • Phone top-ups • Defining and editing beneficiaries • Applying for overdraft and overdraft increase • Account number sharing • Downloading and sending PDF files with transaction confirmation • Repeating transfers • Return transfer • Upcoming payments list • My finances summary Cards (debit, credit, prepaid): • Adding cards to your Apple Pay wallet from the mobile app • Cards history • Repaying credit cards • Transfers from credit cards • Topping up prepaid cards • Increasing credit card limit (available as a special offer) • Activation/blocking cards • Defining/changing PIN code • Changing transaction limits • Blocking cards outside EU • Convenient instalments on a credit card Deposits: • Viewing deposit details • Opening a deposit • Deposit redemption Loans: • Details, repayment plan and credit history • Taking new loans (available as a special offer) Insurance: • Motor insurance • Travel insurance BLIK mobile payments: • BLIK transfer to mobile • Payments in traditional and online shops • Withdrawals from ATMs • Issuing checks Other: • Apple Watch • Login with Touch ID • 3D Touch support • Tickets and parking fares • Cinema tickets • Automatic payments for motorways • Widgets before logging in with account and card balance, BLIK codes, access to loyalty cards • Bank branches and ATMs map • Exchange rates • App desktop customization • Finance Manager • Loyalty cards service • Push notifications Access to the mobile app is protected with an individual PIN code (or Touch ID service), and operations have to be additionally confirmed with a password. More about Bank Millennium mobile app at https://www.bankmillennium.pl/en/electronic-banking/mobile-banking/mobile-application-individuals-business. More about Bank Millennium products at https://www.bankmillennium.pl/en/.

About

PKO Junior

This app teaches children under 12 about managing their money with parental supervision. It offers interactive financial lessons, budgeting tools, and the ability to initiate transfers and set savings goals.

Highlights
  • PIN, fingerprint, or face recognition login
  • Financial lessons with robot guidance
  • Initiate transfers and phone top-ups (parental approval)
  • Virtual piggy banks with savings goals
  • Savings calculator with interest rates
  • Rewards and badges for completing tasks
  • Customizable app background
Read full description

Aplikacja PKO Junior jest stworzona dla dzieci do 12. roku życia, które mają PKO Konto Dziecka w PKO Banku Polskim. Uczy dzieci zarządzania budżetem w telefonie pod kontrolą rodziców. Dziecko z aplikacją: - loguje się wygodnie PIN-em, przez odcisk palca lub rozpoznawanie twarzy - uczy się o finansach z pomocą mówiącego robota, który daje mu wskazówki - inicjuje przelewy i doładowania telefonu, rodzic akceptuje je w swoim serwisie internetowym iPKO - może poprosić rodzica o zasilenie karty płatniczej - założy wirtualne skarbonki i określi cel, na jaki zbiera pieniądze, może je w dowolnym momencie doładować, edytować lub rozbić - skorzysta z kalkulatora oszczędności, który pozwala obliczyć, ile potencjalnie można zaoszczędzić z uwzględnieniem wysokości i regularności wpłat oraz aktualnego oprocentowania - otrzymuje nagrody i odznaki – może je dostać za wykonywanie zadań od rodziców - zmienia tło aplikacji i dostosowuje ją do siebie - łatwo się odnajdzie dzięki intuicyjnemu menu i stronie głównej Jeśli chcesz obsługiwać swoje konto i finanse w PKO Banku Polskim, pobierz aplikację mobilną IKO dla dorosłych – więcej na pkobp.pl

Screenshots

Bank Millennium4 screens

Verdict

The call

The clearest difference is review sentiment: PKO Junior at 100% against Bank Millennium's 77%. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Bank Millennium ships an update monthly, PKO Junior every 5 weeks. The most recent releases landed on October 26, 2026 and October 29, 2026 respectively.

Scorecard1 real difference · 9 level
Bank Millennium versus PKO Junior: the parameters behind the verdict, then further details
ParameterBank MillenniumPKO Junior
PriceFreeFree
Rating4.8 (1.4K ratings) — better—
Positive reviews77.2% of reviews100.0% of reviews — better
Number of ratings1.4K — better—
Update frequencyMonthly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS16.415.0 — better
Further details — not scored
Size271 MB108 MB
Age rating4+4+
DeveloperMillennium bcpPKO BP S.A.

Customer experience

Bank Millennium

All ratings1,423 ratings
Positive96.0%
Neutral1.3%
Negative2.7%
Written reviews302 reviews
Positive77.2%
Neutral5.0%
Negative17.9%

PKO Junior

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Bank Millennium

Reported bugs

4 issues
  • App crashes on login
  • Transaction history not displaying correctly
  • Unable to link app to account
  • Compatibility issues with iOS 7 and newer

Requested features

4 requests
  • Add support for Apple Pay
  • Introduce swipe back gesture
  • Optimize app for tablet devices
  • Improve transaction history display

PKO Junior

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Bank Millennium

No in-app purchases

None

PKO Junior

No in-app purchases

Questions

Is Bank Millennium free?
Bank Millennium is free to download, with no in-app purchases.
Is PKO Junior free?
PKO Junior is free to download, with no in-app purchases.
Do Bank Millennium or PKO Junior have ads?
Neither Bank Millennium nor PKO Junior shows ads.
Which is updated more often, Bank Millennium or PKO Junior?
Bank Millennium ships an update monthly, and PKO Junior every 5 weeks. Most recently, Bank Millennium was updated on October 26, 2026 and PKO Junior on October 29, 2026.

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