Customers accessing the minimum banking services may contract other banking products or services not included in the set of minimum services, namely time deposits, savings accounts, interbank transfers (SEPA+ credit transfers and/or SEPA+ standing orders) carried out through the branches of credit institutions or through homebanking or through the institution's own apps (in this case, only if they exceed 48 operations per calendar year), or through payment applications operated by third parties (in this case, only if they exceed five operations per month, or if they are for an amount greater than 30 euros) or for accounts opened at institutions located outside the European Union, credit products, among others.

The products or services contracted that are not part of the minimum banking services are subject to the commissions and expenses provided for in the Bank's price list.

Minimum banking services accounts cannot have a negative balance. It is not allowed to contract overdraft facilities, nor is it tacitly allowed to move the account beyond its balance (credit overdraft) to Customers who access the minimum banking services. The prohibition on overdrafts does not apply to debit card transactions, in which case credit institutions may allow the minimum banking services account to be moved beyond its balance for certain debit card payments (e.g. toll payments).

Millennium bcp may close your minimum banking services account immediately if you:

• Have deliberately used the account for purposes contrary to law;
• Have provided incorrect information to obtain the minimum banking services account, when not fulfilling the respective access requirements.

Millennium bcp may close the minimum banking services account, effective 60 days after the closure communication, in the following situations:

• The minimum banking services account has not been operated (debit or credit) for at least 24 consecutive months;
• The Customer is no longer legally resident in the European Union;
• The Customer holds another demand deposit account with a credit institution in Portugal, which allows him/her to use the products and services included in the minimum banking services.

If you already hold a sight deposit account, you may, at no cost, convert the sight deposit account directly into a minimum banking services account, or close the account and open a minimum banking services account at another credit institution.