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 April 16th and July 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 August 31st, 2025.
Campaign valid from April 16th to July 15th, 2025. Learn more
Campaign valid from April 16th to July 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 May 31st, 2025.
Campaign valid until May 31st, 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
Bonus for opening an account on the app
Get a Stanley mug (limited to existing stock). Open your account on the Millennium App with Digital Mobile Key or video call, make your first transfer of €250 into the account, and sign up through the banner that will appear in the app. Exclusive to new Customers¹.
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 April 16th and July 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 August 31st, 2025.
Campaign valid from April 16th to July 15th, 2025. Learn more
Campaign valid from April 16th to July 15th, 2025. Learn more
Bonus for opening an account on the app
Get a Stanley mug (limited to existing stock). Open your account on the Millennium App with Digital Mobile Key or video call, make your first transfer of €250 into the account, and sign up through the banner that will appear in the app. Exclusive to new Customers¹.
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 May 31st, 2025.
Campaign valid until May 31st, 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 Domiciliation Campaign - Extra 20% Salary:
This campaign is aimed at individual clients of Millennium bcp, aged 18 or older, who domiciliate their salary into an account where they are the primary account holder and meet all the following requirements:
- Domiciliate the salary – The first salary credit must occur by July 15, 2025, and the second salary credit must occur by August 31, 2025 (inclusive), with a minimum monthly net amount of €900 or more for each credit. Provided no salary or pension credit has occurred in the account between October 16, 2024, and April 15, 2025;
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The account must be linked to a credit card issued by Millennium bcp;
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The client must register for the campaign through the banner available in the Millennium App on the first screen after login, by 31/08/2025.
A 24-month salary domiciliation commitment is required.
Salary values are considered as the sum of monthly and regular credits processed via bank transfer, properly coded at the origin with the ISO code "SALA".
The prize amount is considered taxable income under Article 5, No. 1 of the Personal Income Tax Code (IRS Code) and is subject to withholding tax at the rate of 28%, unless opted for inclusion, in which case the general IRS rates will apply. The total gross benefit amount will be a maximum of €625.00, with €175.00 of IRS withheld.
The prize will be awarded once, one month after the assessment. If, during the 24-month period, and for three consecutive months, the client fails to receive their salary or pension in the account, they must reimburse the Bank for the total benefit granted. To do so, the client agrees to provision the account and authorizes Millennium bcp to debit the account for the respective amount. Prizes will not be awarded to participants with any outstanding defaults with Millennium bcp.
2Account Opening Campaign:
Exclusive campaign for new individual clients, aged 18 or older, who open their first checking account as the primary holder in the Millennium App (via Digital Mobile Key or video call), between 07/04 and 30/06/2025.
A new client is defined as anyone who, on 06/04/2025, did not have a checking account at Millennium bcp as the primary holder. They must meet all the following requirements:
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Transfer €250 to the new account from an account where they are the primary holder or from their parents' account;
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Register for the campaign through the banner in the app, available from 15/04, visible on the main screen after transferring the €250. Available until 10/07/2025.
New university clients, between the ages of 18 and 25, with the Millennium GO! University solution**, will receive €50 in the new account if they maintain the solution for 18 months.
Account opening requires a minimum amount of €250 (€150 for university clients aged 18-25). Subject to client acceptance policy. Annual maintenance fee for the account without Integrated Banking Products and Services Solution is €64.92, charged monthly at €5.41 (including VAT).
Prizes will not be awarded to participants with any outstanding defaults 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 4.3% | TAEG 3.5% with optional associated sales
TAEG 4.3% | TAEG 3.5% 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 4.3% - variable TAN of 3.643% (Euribor 12 months of April, 2025 of 2.143% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80. Monthly Life Insurance Premium of €20.38; 360 monthly payments of €685.60; Total amount charged to the consumer of €263,545.39.
TAEG with optional associated sales 3.5% - variable TAN of 2.893% (Euribor 12 months of April, 2025 of 2.143% and base spread of 0.75%. Inicial Fees waived; Monthly Life Insurance Premium of €19.46; 360 monthly payments of €623.78; Total amount charged to the consumer of €240,213.46.
Requires holding the following products:
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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.
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.
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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|||
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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.
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.
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.