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How does it work? Gov.pt

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Millennium account + Cliente Frequente

For those seeking daily benefits we offer transfers, cards, insurance, and free MB WAY

I'm not a Customer

Open account

I have an account

Join Cliente Frequente
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Millennium account + Cliente Frequente

For those seeking daily benefits we offer transfers, cards, insurance, and free MB WAY

woman looking at her phone

I'm not a Customer

Open account

I have an account

Join solution
Visa debit card

All the benefits

What’s included?

Classic credit card
phone with message: Free MB WAY transfers in the Millennium App

All the benefits

What’s included?

Visa debit card
Classic credit card
phone with message: Free MB WAY transfers in the Millennium App

All the benefits

What’s included?

Visa debit card
Classic credit card
phone with message: Free MB WAY transfers in the Millennium App

There’s always more to find out

Want more benefits?

woman smilling and holding Visa debit card, on blue background

Vantagem Ordenado

Salary advance up to 100%
Access to Poupança Ordenado
Salary Protection Insurance Plan
family with bunny

Vantagem Família

Share benefits with the whole family
Discounts on insurance and loans
Low-cost accounts for your kids

Monthly charges

€5 fee for 3 months

If you join on the website until March 31, 2025
Combine options to find out how much you will pay from the 4th month on
Account maintenance fee
8/month 8/month

Plus Stamp Duty.
Annual account maintenance fee of €99.84, charged monthly at the beginning of the following month to which it refers with a €8 fee plus €0.32 Stamp Duty.
To get the discount, you must comply with the selected options each month. Otherwise, the price will be adjusted.
Financial assets (monthly average, excluding the current account balance) in the amount of €7,500 or more.

1, 2, 3 and that's it!

Opening an account is easy


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)

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.
CH Doc Envio
Choose the solution
Choose the solution
that best suits you.
that best suits you.
Transferencia
Make a transfer
Make a transfer
of €250, from an account of which you are the primary holder.
of €250, from an account of which you are the primary 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 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)
Videochamada
Open your account online
Open your account online
with a video call on the website or app.
with a video call on the website or app.
Login Autenticacao
Login
Login
to the website.
to the website.
CH Doc Envio
Click on "Solutions"
Click on "Solutions"
and select Cliente Frequente.
and select Cliente Frequente.
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)
Mobile Phone O White
Open your account right now
Open your account right now

With Digital Mobile Key or with video call, it's up to you.

Open account

Open an account on the app in minutes

Explore app
phone with Millennium app on the account opening screen phone with Millennium app on the account opening screen
phone with Millennium app on the account opening screen

Legal documents and other informations

Millennium Account Documents
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
Cliente Frequente Documents
Doc O Grey Doc O

General Conditions – Family Civil Liability Insurance

Download
Doc O Grey Doc O

General Conditions – Medical Emergency Assistance at Home Insurance

Download
Account opening
Stamp Duty will be applied to all banking fees. If you’re a new customer, the minimum amount to open an account is €250.
Account opening subject to customer acceptance policy.
Credit and MB WAY transfers
This applies to instant transfers, SEPA credit transfers +, and SEPA standing orders + in Euros (non-urgent) destined for SEPA-member countries or currencies covered by Regulation (EC) No. 924/2009 and Regulation (EU) No. 2021/1230. The transfers must include the NIB or IBAN (depending on the transfer channel) or be made using SPIN (mobile phone number or corporate identification number - NIPC). Transfers must be executed via automatic channels (ATM, Millennium bcp's internal self-banking network machines, the Millennium App, millenniumbcp.pt, and automated telephone service (VRS) by debiting the account. They are unlimited in number, subject to specific channel limits, and capped at a maximum of €100,000.00 per transaction (or the equivalent value in Swedish Krona or Romanian Leu). Each transfer corresponds to an amount of €1.20.
Exemption from payment of MB WAY transfer fees made on the Millennium App, in the amount of 0.1% of the transfer amount, even for operations over €30 or a total of €150 or 25 transfers per month.
Classic credit card
15.4% TAEG and 13.300% TAN for a credit limit of €1,500 paid in 12 equal monthly installments of principal plus interest and charges. Annual availability fee of €10.40, charged in advance. First charge in the month of card issuance and, in subsequent years, in the same month.

Stamp duty included. Subject to credit risk assessment.

Subject to credit risk assessment.

Advertising
Does not dispense with the consultation of legally required pre-contractual and contractual information.

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