Bank Millennium S.A. Rotten Score Breakdown

In September 2020 the President of UOKiK found that Bank Millennium used prohibited clauses governing how foreign-exchange rates were determined for mortgage repayments, including Swiss-franc-linked loans. UOKiK concluded that the clauses allowed the bank excessive discretion in setting exchange rates and could cause consumers to pay inflated instalments. The authority imposed a PLN 10,464,213 fine. UOKiK's decision register records that the case was ultimately concluded and the decision was upheld, including by a Supreme Court judgment dated 15 August 2025. Sources: https://finanse.uokik.gov.pl/chf/decyzje-prezesa-uokik-ws-kar-dla-bnp-paribas-millennium-i-santander-bank/ and https://decyzje.uokik.gov.pl/bp/dec_prez.nsf/1/137B4B4AF8C96B48C12585F20026CCE4?act=Decyzja&editDocument=