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Código de Utilizador This code is required to access your account through the website or the Millennium App

Millennium account

Your Millennium account with the daily essentials

Open account
Conta Millennium 922X1144

Millennium account

Your Millennium account with the daily essentials

Open account
Conta Millennium 922X1144
Conta Millennium 760X885 Mob
Millennium account
Benefits How much is it Extras How to get it
Open account
Millennium account Open account

All the benefits

What’s included?

All the benefits

What’s included?

All the benefits

What’s included?

Monthly charges

This is how much you'll pay

Account maintenance fee
€5.20/month €5.20/month
Plus Stamp Duty.
If the 1st holder is 23 years old or under, they will become exempt from the account maintenance fee.

Annual account maintenance fee of €64.92, charged monthly for €5.20 plus €0.21 in stamp duty or equivalent in the respective currency (if the criteria for exemption from account maintenance expenses specified in the bank's price list are not met).
View price list

1, 2, 3 and that's it!

Opening an account is easy

Steps Exclusivo App
Authenticate
Authenticate
with the Digital Mobile Key and sign the contracts online.
with the Digital Mobile Key and sign the contracts online.
Transferencia
Make a transfer
Make a transfer
of €250, from an account of which you are the holder.
of €250, from an account of which you are the holder.
Confirmar Notificacao e confirmar app
And that's it!
And that's it!
What do you need?
What do you need?
To be at least 18 years old
To be at least 18 years old
To have a Portuguese Citizen Card
To have a Portuguese Citizen Card
To present the proof of employment and address (if applicable)
To present the proof of employment and address (if applicable)
Doc Envio
Attach the documents
Attach the documents
with the proof of address and employment (or student/unemployment).
with the proof of address and employment (or student/unemployment).
Doc Pessoal
Confirm your identity
Confirm your identity
with a Portuguese Citizen Card, Passport or Residence Card.
with a Portuguese Citizen Card, Passport or Residence Card.
Videochamada
Wait for the video call
Wait for the video call
and make sure you are in a well-lit and quiet environment.
and make sure you are in a well-lit and quiet environment.
Transferencia
Make a transfer
Make a transfer
of €250, from an account where you're the 1st holder.
of €250, from an account where you're the 1st holder.
What do you need?
What do you need?
To be at least 18 years old
To be at least 18 years old
To have a Citizen Card or Residency Authorization Card
To have a Citizen Card or Residency Authorization Card
To present the proof of employment and address (if applicable)
To present the proof of employment and address (if applicable)

1, 2, 3 and that's it!

Opening an account is easy

Steps Exclusivo App
Authenticate
Authenticate
with the Digital Mobile Key and sign the contracts online.
with the Digital Mobile Key and sign the contracts online.
Transferencia
Make a transfer
Make a transfer
of €250, from an account of which you are the holder.
of €250, from an account of which you are the holder.
Confirmar Notificacao e confirmar app
And that's it!
And that's it!
What do you need?
What do you need?
To be at least 18 years old
To be at least 18 years old
To have a Portuguese Citizen Card
To have a Portuguese Citizen Card
To present the proof of employment and address (if applicable)
To present the proof of employment and address (if applicable)
Doc Envio
Attach the documents
Attach the documents
with the proof of address and employment (or student/unemployment).
with the proof of address and employment (or student/unemployment).
Doc Pessoal
Confirm your identity
Confirm your identity
with a Portuguese Citizen Card, Passport or Residence Card.
with a Portuguese Citizen Card, Passport or Residence Card.
Videochamada
Wait for the video call
Wait for the video call
and make sure you are in a well-lit and quiet environment.
and make sure you are in a well-lit and quiet environment.
Transferencia
Make a transfer
Make a transfer
of €250, from an account where you're the 1st holder.
of €250, from an account where you're the 1st holder.
What do you need?
What do you need?
To be at least 18 years old
To be at least 18 years old
To have a Citizen Card or Residency Authorization Card
To have a Citizen Card or Residency Authorization Card
To present the proof of employment and address (if applicable)
To present the proof of employment and address (if applicable)

Open an account on the app in minutes

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Aberturadeconta Ecra 02 230830 Ibannerapp 900X900

Legal documents and other informations

Doc O Grey Doc O

Standard Information Sheet

Download
Doc O Grey Doc O

General Conditions

Download
Doc O Grey Doc O

Comissions Informational Document

Download
Doc O Grey Doc O

Depositor Information Form

Download
Opening an account
For Private Customers, resident or non-resident in Portugal, aged 18 or over.
Minimum opening amount: €250 or €150 for University Students between 18 and 25 years old, or equivalent in the respective currency.
Account opening subject to client acceptance policy.
Account Maintenance
5.20/month (plus Stamp Duty) or equivalent in the respective currency (if the criteria for Account Maintenance fee exemption set out in the Bank's Price List are not met).
Exemption of the Account Maintenance fee if the 1st holder is 23 years old or less.
Excluded from the maintenance fee exemption are accounts that meet three cumulative conditions: balance of less than or equal to €25, no transactions in the last 6 months, no associated product, with an Account Maintenance fee of €5.20 per month.
Overdraft facility
At the request of the Account Holders, for the account in Euros, subject to the Bank's appreciation and acceptance and to the subscription of a credit overdraft facility contract, an overdraft facility authorization may be granted, with the following generic characteristics:
  • Annual Nominal Rate (TAN): 14.000% for an overdraft facility agreement up to a maximum amount of €1,500, fully used for 90 days at a TAN of 14,000%, the interest will be €52.50 plus Stamp Duty on the interest of €2.10, and Stamp Duty for the use of credit of €6.36, which corresponds to an annual effective overall rate (TAEG) of 17.5%. For an overdraft facility credit agreement up to a maximum amount of € €1,500, originating from salary, fully used for 90 days with a TAN of 14.000%, the interest will be €52,50 plus Stamp Duty on the interest of €2.10, which corresponds to an annual effective global rate (TAEG) of 15,6%. Stamp Tax exemption for the use of credit up to the amount of the monthly salary credited to the account.
  • Interest Calculation: Interest will be calculated daily on all capital used and not repaid at each moment, based on a 360 day year and a reference to the number of days of each month (current/360). Interest is paid in advance at the end of each month of the calendar year. Stamp Tax is added to the interest.
  • Repayment Conditions: Any and all amounts deposited or transferred to the credit of the Account will, as soon as available, be charged and applied to automatic repayment, in whole or in part, of the credit that has been used, for the corresponding amount. However, credit will be made available on the first of each month of the calendar year until the end of that same month of the calendar year. The Card Holder(s) are obliged to repay the credit used in full by the last day of each month of the calendar year.
The Bank may change the remuneration due to it in interest rates and/or applicable expenses, which will be published in the Bank's Price List and made known to the customers with the legal advance notice determined for this type of change.
Credit overrun
When the intended transaction exceeds the authorized limit, the Bank may refuse the order received in full. Thus, exceeding the credit limit depends on the Bank's acceptance on a case-by-case basis, with the exception of the obligation to pay in the cases and within the legally prescribed conditions and limits. Should the Bank decide to accept the drawdown the following conditions will apply:
  • Annual Nominal Rate (TAN): 18.600%.
  • Interest Calculation: Interest will be calculated daily on all the capital used and not reimbursed at each moment, based on a 360 days year and paid in arrears, on the 30th day of each month of the calendar year. Stamp Tax at the current rate will be added to the amount of credit used and to the interest charged.
  • Repayment Conditions: Any and all amounts deposited or transferred to the credit of the Account will, as soon as available, be charged and applied to the automatic repayment, total or partial, of the credit used, for the corresponding amount.
The Bank may change the remuneration due to it in interest rates and/or applicable expenses, which will be published in the Bank's Price List and made known to the customers with the legal advance notice determined for this type of change.

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