For Individual Clients, resident or not, in Portugal, aged 18 or more

Minimum deposit amount: €250 or €150 for University Students aged 18-25, or equivalent in the respective currency.

Subject to customer acceptance policy.

In SEPA + Credit Transfers and SEPA + Standing Order, in Euros (non-urgent), to SEPA countries (27 EU countries, plus three from the EEA (European Economic Area) outside the European Union - Iceland, Norway and Liechtenstein - plus Switzerland, Monaco, S. Marino, Andorra, Vatican and United Kingdom) or currencies covered by Regulation (EC) No. 924/2009 (Euros, Swedish Krona and Romanian Leu) as long as sent with the NIB or the IBAN (depending on the transfer order reception channel), and carried out using automatic channels (ATM, Millennium bcp internal self-banking machines, automated telephone service (VRS), Millennium App and at www.millenniumbcp.pt), by debit, in unlimited number, subject to the specific limits of each channel and up to a maximum of €99,999.99 per transaction (or equivalent if in Swedish Krona or Romanian Leu). It corresponds to €1.10 per transfer.

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.

17.6% TAEG and 12.400% TAN for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee: €30. Subject to credit assessment.