More benefits for employees
Receiving your salary at Millennium brings you benefits
Give your salary a little extra
By bringing your salary of €900 or more to Millennium, between January 16th and April 15th, 2025, you'll receive 20% of the salary amount¹, on the credit card linked to your account - TAEG 15.4%4 - up to a maximum of €450. You must receive two consecutive salary payments by May 31st, 2025.
Campaign valid from January 16th to April 15th, 2025. Learn more
Campaign valid from January 16th to April 15th, 2025. Learn more
€0 for the account maintenance fee package3
Exemption for 12 months if you bring your salary to Millennium and join an Integrated Banking Products and Services Solution.
Campaign valid until April 15th, 2025.
Campaign valid until April 15th, 2025.
Zero has never been worth so much
Unlock preferential conditions on mortgage solutions5.
Credit subject to approval. Calculate mortgage
Credit subject to approval. Calculate mortgage
Discount on the account maintenance fee package3
Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
Zero has never been worth so much
Unlock preferential conditions on mortgage solutions5.
Credit subject to approval. Calculate mortgage
Credit subject to approval. Calculate mortgage
And an extra bonus if you open an account in the app
If you're not yet a Customer and open an account² in the Millennium App with your Digital Mobile Key (CMD), with a minimum deposit of €250, you'll receive an additional €50 in your account.
Campaign valid from January 1st to April 15th, 2025. Open account
Campaign valid from January 1st to April 15th, 2025. Open account
Making purchases with this card is extra
Receive 1% cashback9 on your credit card for purchases made until December 31st, 2026, with a maximum limit of €4 per month.
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
Preferential spread after the first two years
And also exemption from the formalization fee (€200 + I.S.), with optional associated sales5.
Making purchases with this card is extra
Receive 1% cashback9 on your credit card for purchases made until December 31st, 2026, with a maximum limit of €4 per month.
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
Preferential spread after the first two years
And also exemption from the formalization fee (€200 + I.S.), with optional associated sales5.
Give your salary a little extra
By bringing your salary of €900 or more to Millennium, between January 16th and April 15th, 2025, you'll receive 20% of the salary amount¹, on the credit card linked to your account - TAEG 15.4%4 - up to a maximum of €450. You must receive two consecutive salary payments by May 31st, 2025.
Campaign valid from January 16th to April 15th, 2025. Learn more
Campaign valid from January 16th to April 15th, 2025. Learn more
And an extra bonus if you open an account in the app
If you're not yet a Customer and open an account² in the Millennium App with your Digital Mobile Key (CMD), with a minimum deposit of €250, you'll receive an additional €50 in your account.
Campaign valid from January 1st to April 15th, 2025. Open account
Campaign valid from January 1st to April 15th, 2025. Open account
€0 for the account maintenance fee package3
Exemption for 12 months if you bring your salary to Millennium and join an Integrated Banking Products and Services Solution.
Campaign valid until April 15th, 2025.
Campaign valid until April 15th, 2025.
Making purchases with this card is extra
Receive 1% cashback9 on your credit card for purchases made until December 31st, 2026, with a maximum limit of €4 per month.
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
Zero has never been worth so much
Unlock preferential conditions on mortgage solutions5.
Credit subject to approval. Calculate mortgage
Credit subject to approval. Calculate mortgage
Preferential spread after the first two years
And also exemption from the formalization fee (€200 + I.S.), with optional associated sales5.
Discount on the account maintenance fee package3
Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
Making purchases with this card is extra
Receive 1% cashback9 on your credit card for purchases made until December 31st, 2026, with a maximum limit of €4 per month.
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
To activate the cashback, simply sign up through the banner in the Millennium App.
Classic - TAEG 15.4%4 Apply for card
Zero has never been worth so much
Unlock preferential conditions on mortgage solutions5.
Credit subject to approval. Calculate mortgage
Credit subject to approval. Calculate mortgage
Preferential spread after the first two years
And also exemption from the formalization fee (€200 + I.S.), with optional associated sales5.
Integrated banking products and services solutions
Everything you need, for less
Cliente Frequente
A complete solution with free transfers and MB WAY, plus no card issuance fees.
View solution
Programa Prestige
The account for those seeking exclusivity, including free transfers, no card issuance fees, and much more.
View solution
Cliente Frequente
A complete solution with free transfers and MB WAY, plus no card issuance fees.
View solution
Programa Prestige
The account for those seeking exclusivity, including free transfers, no card issuance fees, and much more.
View solution
For Plano Mais Colaborador Top
Enjoy benefits in insurance as well
Médis Insurance (health)
Options 1, 2, 3, Vintage, or Vintage Plus
Exempt from the 12th monthly payment in the first year if you subscribe to Cliente Frequente Integrated Solution.
Exempt from the 12th and the 24th monthly payments in the first two years if you subscribe to Prestige Program Solution.
Exempt from the 12th monthly payment in the first year if you subscribe to Cliente Frequente Integrated Solution.
Exempt from the 12th and the 24th monthly payments in the first two years if you subscribe to Prestige Program Solution.
Other insurance
YOLO! (life), Móbis (auto), HOMIN (home), Pétis (pet), Volta/Volta 55+ (personal accidents), and Travel insurance
Exempt from the 12th and the 24th monthly payment in the first two years if you subscribe to Cliente Frequente Integrated Solution.
10% discount during the agreement term¹, if you subscribe to Prestige Program Integrated Solution.
Exempt from the 12th and the 24th monthly payment in the first two years if you subscribe to Cliente Frequente Integrated Solution.
10% discount during the agreement term¹, if you subscribe to Prestige Program Integrated Solution.
Médis Insurance (health)
Options 1, 2, 3, Vintage, or Vintage Plus
Exempt from the 12th monthly payment in the first year if you subscribe to Cliente Frequente Integrated Solution.
Exempt from the 12th and the 24th monthly payments in the first two years if you subscribe to Prestige Program Solution.
Exempt from the 12th monthly payment in the first year if you subscribe to Cliente Frequente Integrated Solution.
Exempt from the 12th and the 24th monthly payments in the first two years if you subscribe to Prestige Program Solution.
Other insurance
YOLO! (life), Móbis (auto), HOMIN (home), Pétis (pet), Volta/Volta 55+ (personal accidents), and Travel insurance
Exempt from the 12th and the 24th monthly payment in the first two years if you subscribe to Cliente Frequente Integrated Solution.
10% discount during the agreement term¹, if you subscribe to Prestige Program Integrated Solution.
Exempt from the 12th and the 24th monthly payment in the first two years if you subscribe to Cliente Frequente Integrated Solution.
10% discount during the agreement term¹, if you subscribe to Prestige Program Integrated Solution.
How to join
To join, talk to us
How to join
To join, talk to us
¹Salary Direct Deposit Campaign - Extra 20% Salary:
This campaign is for individual Millennium bcp customers aged 18 or older who set up salary direct deposit in an account where they are the primary holder and meet all the following requirements:
- Set up direct deposit for salary or retirement pension, with the first salary or pension payment credited by April 15, 2025, and the second by May 31, 2025 (inclusive), with a minimum net monthly amount of €900 each. The account must not have received any salary or pension deposits between July 16, 2024, and January 15, 2025;
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The account must have a Millennium bcp-issued credit card associated with it;
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Customers must register for the campaign via the banner in the Millennium App (available on the first screen after login) by May 31, 2025.
A 24-month salary direct deposit commitment is required.
Salary or pension payments are considered as the total sum of credits processed monthly and regularly via bank transfer, properly coded at the source with the ISO code “SALA” for salary or “PENS” for pension.
The bonus amount corresponds to taxable income under Article number 5, number 1 of the Personal Income Tax Code (Cód. IRS) and is subject to withholding tax at a 28% flat rate, unless the customer opts for aggregation, in which case the general IRS tax rates will apply. The total gross benefit will be, at most, €625.00, with €175.00 withheld for IRS.
The bonus will be granted only once and one month after the eligibility check is completed. If the customer, during the 24-month period, stops receiving salary or pension payments in the account for three consecutive months, they are required to reimburse the Bank for the total benefit received. For this purpose, the customer agrees to ensure sufficient funds in the account and authorizes Millennium bcp to debit the account for the corresponding amount. No bonuses will be granted to participants who have any record of non-compliance with Millennium bcp.
²Account Opening Campaign - Extra €50:
Exclusively for new individual Millennium bcp customers aged 18 or older who open a current account as the primary holder. A new customer is defined as someone who, as of December 31, 2024, did not have any current account as the primary holder and opens their first account as the primary holder during the campaign.
The account must be opened between January 1 and April 15, 2025, and meet all the following requirements:
-
New customers aged 18 or older who, during the campaign period, open their first current account as the primary holder via the Millennium App using the Digital Mobile Key and register for the campaign through the banner that will appear on the Millennium App’s first screen after login, by May 15, 2025;
OR -
New university students aged 18 to 25 who, during the campaign period, open a current account as the primary holder through any channel (app, website, or branch), subscribe to the Millennium GO! University Solution and register for the campaign through the banner that will appear on the Millennium App’s first screen after login, by May 15, 2025.
A salary direct deposit commitment of 18 months is required.
The account must be opened with a minimum deposit of €250 (€150 for university customers aged 18-25) and is subject to the bank’s customer acceptance policy.
The annual account maintenance fee for accounts without an Integrated Banking Products and Services Solution is €64.92, charged monthly and in arrears at €5.41 per month (including Stamp Duty).
For accounts with Integrated Banking Products and Services Solutions, the monthly package maintenance fee is charged at the beginning of the following month and ranges between €0 and €15 + Stamp Duty (up to a maximum of €187.20 per year, including Stamp Duty), depending on the chosen solution, the customer's financial engagement with the bank, and enrollment in digital statements.
The bonus will be awarded only once, one month after the eligibility check is completed. If the customer cancels the Integrated Solution during the 18-month period, they are required to reimburse the bank for the value of the benefit received. For this purpose, the customer agrees to ensure sufficient funds in the account and authorizes Millennium bcp to debit the account for the corresponding amount. No bonuses will be granted to participants who have any record of non-compliance with Millennium bcp.
3Integrated Banking products and services solutions
The integrated banking products and services solutions have a monthly package maintenance fee that is charged in arrears and ranges between €0 and €15 + Stamp Duty (up to €187.20 per year, including Stamp Duty), depending on the chosen solution, the customer’s financial involvement with the bank, and enrollment in digital statements. Covered solutions include: Cliente Frequente, Millennium GO!, Prestige Program, and Mais Portugal.
4Classic Credit Card: TAEG 15.4% and TAN 13.300% for a credit limit of 1,500€ paid over 12 equal monthly repayments, plus interest and charges. Annual fee 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.
Home Loan Solutions
5For the first 2 years, Millennium will not charge interest corresponding to the contracted spread on new home loans approved by 30/06/2025 and signed by 31/07/2025, provided that a Millennium current account is maintained. This offer includes optional bundled products and cannot be combined with other ongoing promotions.
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If you are 18-35 years old and purchasing your primary residence, you will be exempt from all initial fees, including:
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Dossier Fee: €290 + Stamp Duty
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Formalization Fee: €200 + Stamp Duty
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Appraisal Fee: €230 + Stamp Duty
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Total Exemption Value: €748.80
Requires the following products
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Domiciliation of salary in the account associated with the loan;
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Meet additionally three of the five listed requirements products services:
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Credit card with transactions in payments for purchases and services with a minimum usage of €100/month with semi-annual control of the accumulated amount - TAEG 15.4%4;
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Consumer credit ALD or Auto Leasing with a minimum outstanding balance of €1,500;
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Domiciliation of 2 monthly payments in the account associated with the financing for utility payments electricity water gas communications;
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Life insurance associated with the credit with Ocidental Vida8;
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Multi-risk home insurance associated with the credit marketed by Ageas Portugal under the Ocidental8 brand with active policies registered to the loan.
Representative Examples Home Loan
PURCHASE / CONSTRUCTION
TAEG 4.6% | TAEG 3.8% with optional associated sales
TAEG 4.6% | TAEG 3.8% with optional associated sales
With optional associated sales:
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Spread 0% during the first 2 years
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Spread 0.75% thereafter
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Rates Variable Mixed Fixed rate during the first 2 3 or 5 years followed by a variable rate indexed to Euribor Fixed Rate from 5 to 30 years
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Isenção da comissão de formalização (200€ + IS)
And if you are between 18 and 35 years old you also get an exemption from all initial fees if you are purchasing your primary residence:
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Dossier Fee €290 + IS
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Formalization Fee €200 + IS
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Evaluation Fee €230 + IS
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Total exemption amount €748.80
Example for a 30-year-old consumer financing €150,000 with a property valuation of €187,500 over a 30-year term for the purpose of purchase with contract expenses of €501.40 stamp duty on credit use of €900 and home insurance of €20.12/month.
TAEG without optional associated sales 4.6% - variable TAN of 3.898% (Euribor 12 months of March, 2025 of 2.398% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80. Monthly Life Insurance Premium of €20.69; 360 monthly payments of €707.33; Total amount charged to the consumer of €271,481.09.
TAEG with optional associated sales 3.8% - variable TAN of 3.148% (Euribor 12 months of March, 2025 of 2.398% and base spread of 0.75%. Inicial Fees waived; Monthly Life Insurance Premium of €19.78; 360 monthly payments of €644.44; Total amount charged to the consumer of €247,762.93.
Requires holding the following products:
-
Salary domiciliation in the account associated with the loan;
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Domiciliation of 2 monthly payments for water gas electricity or communications;
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Home insurance associated with the loan marketed by Ageas Portugal under the Ocidental8 brand;
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Life insurance associated with the loan under Ocidental Vida8.
6The Frequent Customer solution has a monthly package maintenance fee charged in arrears, ranging from €5 or €6 + Stamp Duty, depending on the customer’s financial involvement with the bank and enrollment in the digital statement service. Otherwise, the monthly package maintenance fee will be €8 + Stamp Duty (with a maximum annual fee of €99.84, including Stamp Duty). Additional charges may apply from the use of associated products and services. Discount Criteria for the Plano Mais Colaborador Top
For primary account holders who set up a salary deposit from a company with a commercial agreement, the monthly package maintenance fee** will be €4 or €6 + Stamp Duty, based on the following criteria:
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Fee
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||
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€6
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Salary > €750 or FA €7,500
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Digital statement
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Salary > €750 and credit card billing > €100/month
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Digital statement
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7The Prestige Program has a monthly package maintenance fee charged in arrears, ranging from €5 or €6 + Stamp Duty, depending on age and the customer’s financial involvement with the bank. Otherwise, the fee will be €15 + Stamp Duty (with a maximum annual fee of €187.20, including Stamp Duty). Discount Criteria for the Plano Mais Colaborador Top: For primary account holders who set up a salary deposit from a company with a commercial agreement, the monthly package maintenance fee will be €4 + Stamp Duty, based on the following:
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Fee
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>18 and <35 years
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>35 and <45 years
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>45 years
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FA > €20.000 or salary > €1,500
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Fa > €35.000 or salary > €2,000
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FA > €50.000 or salary > €2,500
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FA > €20.000 +
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FA > €35.000 +
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FA > €50.000 +
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Salary > €750 and credit card billing >€250/month
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+ Digital statement
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FA = Financial Assets: The total sum of the average balances of the primary account holder’s current accounts and the savings and investments associated with them.
Credit Card Billing: To calculate monthly credit card billing, withdrawals, cash advance transactions, free-meal cards, and cards held by non-depositing customers (e.g., Amex and TAP) will not be considered. However, credit cards held by non-depositing customers will be considered if they are linked to a current account.
Credit Card Billing: To calculate monthly credit card billing, withdrawals, cash advance transactions, free-meal cards, and cards held by non-depositing customers (e.g., Amex and TAP) will not be considered. However, credit cards held by non-depositing customers will be considered if they are linked to a current account.
TRANSFER
Example for a 30-year-old consumer - €150,000 financing, with mortgage; €187,500 valuation amount; 30-year term. Indexed Instalment Product; purpose Credit Transfer; Home insurance premium with monthly payments of €20.12.
TAEG WITHOUT OPTIONAL ASSOCIATED SALES 4.5% - Variable TAN of 3.898% (Euribor 12 months of March, 2025 of 2.398% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80; Contract Expenses (Charges, Online Certificate and Mortgage Cancellation) €632.33; monthly Life Insurance Premium of €20.69; 360 monthly payments of €707.33; Total amount charged to the consumer of €270.712.02.
TAEG WITH OPTIONAL ASSOCIATED SALES 3.7% - Variable TAN of 3,148% (Euribor 12 months of March, 2025 of 2.398% and contracted spread of 0.75%); Initial Fees waived; Contract Expenses (Online Certificate and Mortgage Cancellation) €65; monthly life Insurance Premium of €19.78; 360 monthly payments of €644.44; Total amount imputed to the consumer of €246,426.53.
Mortgage is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. Subject to Banco de Portugal’s macro-prudential rules. The interest rate applied (TAN) may be negative depending on the evolution of the respective index.
Conditions valid for proposals approved until 30/06/2025 and signed until 31/07/2025.
All mentioned fees are subject to Stamp Duty.
All mentioned fees are subject to Stamp Duty.
8Insurance
There are exclusions provided for in the policy.
Advertising. This information does not waive the consultation of the legally required pre-contractual and contractual information.
Banco Comercial Português, S.A. - Registered Office: Praça D. João I, nº 28, 4000-295 Porto - Share Capital 3,000,000,000.00 Euros - Single registration and TIN 501525882. Insurance agent, registered under nr. 419527602, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt. The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer.
Insurer
Life Protection:
Ocidental - Companhia Portuguesa de Seguros de Vida, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisbon. Legal Person No. 501836926. Lisbon Trade Register. Share Capital of 22.375.000 Euros. Registration ASF 1024, www.asf.com.pt.
Ocidental - Companhia Portuguesa de Seguros de Vida, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisbon. Legal Person No. 501836926. Lisbon Trade Register. Share Capital of 22.375.000 Euros. Registration ASF 1024, www.asf.com.pt.
Non-Life Risk Insurance:
Ageas Portugal - Companhia de Seguros, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisboa. Legal Person No. 503454109. Porto Trade Register. Share Capital of 7.500.000 Euros. Registration ASF 1129, www.asf.com.pt.
Ageas Portugal - Companhia de Seguros, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisboa. Legal Person No. 503454109. Porto Trade Register. Share Capital of 7.500.000 Euros. Registration ASF 1129, www.asf.com.pt.
Médis - exclusive and registered trademark of the products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., insurer, reinsurer and manager of the integrated health care system underlying the insurance policies issued by Ocidental or by other insurers under its authorization.
9Cashback
The 1% cashback is limited to a maximum of €400/month in purchases made using the Visa network, with a maximum cashback of €4/month. This offer is valid for purchases made between January 1st, 2025, and December 31st, 2026, using a Millennium credit card.
To access this cashback, users must register via the banner available in the Millennium App. You must be an app user to tap the banner and activate cashback on your credit card.
The cashback credit is applied to the card account in the month following the purchases. Cashback credits will not be made to card accounts that are in default or without any active card. Purchases made using MB Way and digital wallet top-ups do not qualify for cashback.
This campaign can be combined with other ongoing credit card acquisition campaigns.