Plano Mais Colaborador Top

¹Campaign valid from 16/04 to 15/07/2026 for individual Customers who are first holders of a current account, aged 18 or over, who get their salary/pension at Millennium, net equal to or greater than €1000 (without any salary/pension deposits since 15/04/2024), with an active credit card⁽⁴⁾ linked to the account where the salary/pension is deposited, no payment defaults, and who register in the Millennium App by 31/08/2026.

A new Customer is anyone who, as of April 15, 2026, was not the primary holder of any account with Millennium bcp and opens their first account as the primary holder during the campaign.

Account maintenance fee: €64.92/year, charged monthly in arrears at €5.41/month (tax included). Account opening requires a minimum deposit of €250 and is subject to the Bank's Client acceptance policy.

²Campaign valid from 16/04 to 15/07/2026 for Current Clients Plano Mais Colaborador who are first holders of a current account, aged 18 or over, who get their salary at Millennium, net equal to or greater than €1000, with an active credit card⁽⁴⁾ linked to the account where the salary is deposited, no payment defaults, and who register in the Millennium App by 31/08/2026.

For the purpose of this campaign, salary or pension amounts are considered to be the sum of credits processed monthly and on a regular basis through bank transfers duly identified at source with the ISO code "SALA" (salary) or "PENS" (pension).

The bonus will be paid once, one month after your eligibility is confirmed. If, during the 24-month commitment period, you stop receiving your salary for three months in a row, you must repay Millennium the full bonus, including any income tax that Millennium has paid on it.

The bonus amount is considered taxable income under Article 5, paragraph 1 of the Portuguese Personal Income Tax Code (CIRS), and is subject to withholding tax at the flat rate of 28%, unless the Client opts for aggregation, in which case the general IRS rates apply. The gross value of the benefit will be a maximum of €694.44, with €194.44 withheld at source as IRS.

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 15.7% and TAN 13.600% 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.

• If you are 18-35 years old and purchasing your primary residence, you will be exempt from all initial fees, including:
• Dossier Fee: €290 + Stamp Duty
• Formalization Fee: €200 + Stamp Duty
• Appraisal Fee: €230 + Stamp Duty
• Total Exemption Value: €748.80*

Requires the following products

Representative Examples Home Loan
PURCHASE / CONSTRUCTION
TAEG 4.7% | TAEG 4.1% with optional associated sales

With optional associated sales:

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; Mortgage Cancellation Expenses: €102.96 and home insurance of €20.01/month.

TAEG without optional associated sales 4.7% - variable TAN of 4.054% (Euribor 12 months of May 2026 of 2.804% and base spread of 1.25%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80. Monthly Life Insurance Premium of €20.88; 360 monthly payments of €720.80; Total amount charged to the consumer of €276,467.66.

TAEG with optional associated sales 4.1% - variable TAN of 3.454% (Euribor 12 months of May, 2026 of 2.804% and base spread of 0.65%. Inicial Fees waived (Dossier, Formalization and Evaluation Fee) of €494.00. Monthly Life Insurance Premium of €20.15; 360 monthly payments of €669.72; Total amount charged to the consumer of €257,561.15.

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 30/06/2026 and signed by 31/07/2026.

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.

€4 / €5 per month, plus €0.16 Stamp Duty, provided that the primary account holder meets the following conditions:
- ubscribes to digital statements and sets up direct deposit of a regular salary equal to or greater than €750;
AND
- Monthly spending of €100 or more on purchases made with a credit card linked to the current account (at automatic payment terminals).

€6 per month, plus €0.24 Stamp Duty, provided that the primary account holder meets the following conditions:
- Subscribes to digital statements and sets up direct deposit of a regular salary equal to or greater than €750, or holds Financial Assets at Millennium bcp equal to or greater than €7,500.

⁷The Prestige Program has a monthly package maintenance fee charged in arrears, ranging from €6 or € + 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:

PACKAGE ACCOUNT MAINTENANCE FEE: €4/ €6
- Financial Assets* equal to or greater than €50,000 (monthly average and regular basis), subscription to digital statements and regular income** equal to or greater than €750;
OR
- Financial Assets* equal to or greater than €150,000 (monthly average and regular basis);

PACKAGE ACCOUNT MAINTENANCE FEE: €4/ €8
- Financial Assets* (monthly average and regular basis) equal to or greater than €50,000;
OR
- Direct-deposited regular income** of at least €2,000 if the primary account holder is between 18 and 35 years old, or €2,500 if over 35 years old;
OR
- Mortgage loan with an initial financing amount or property valuation equal to or greater than €350,000 (applicable while the contract remains active and ending upon termination of the contract).

*For the purpose of calculating Financial Assets, the criterion is considered regular when fulfilled in 2 of the last 3 months, with mandatory compliance in the 2nd month.
**For the purpose of calculating regular income, the following are considered: the sum of salary/wage payments, retirement or disability pensions and the balance of the M Meal Card duly identified with the ISO code "SALA", "PENS" or "M MEAL CARD BALANCE", across all current accounts where the Customer is the primary account holder; as well as ATM or branch deposits, TPA or POS credits and incoming domestic and international credit transfers of €500 or more each, excluding transfers between Millennium bcp accounts with at least one common holder. This criterion is only deemed fulfilled if, during the 6 months prior to the package account maintenance fee charge, at least 4 credits related to the regular income mentioned above have been made to the referred current accounts, and in 3 of the last 4 months within that 6-month period.

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.

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.

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.

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.

The 1% cashback on monthly purchases is capped at a maximum (combined) amount of €400 in purchases made with credit cards linked to the current account under the Cliente Frequente or Programa Prestige.

Cliente Frequente
The cashback amount will be credited to the card account in the month following the one in which the purchases were made. No credits will be applied to card accounts that are in default or have no active card. Access to this cashback requires enrollment through the banner available in the Millennium App. You must be an app user to tap the banner and activate cashback on your credit card.

Valid for purchases made with a Millennium credit card, between the month of enrollment in the campaign and December 31, 2026.

Programa Prestige
The cashback amount will be credited to the current account in the month following the one in which the purchases were made. Credit applied to Prestige Customers with regular direct-deposited income(**) of at least €2,000 (ages 18–35) or €2,500 (ages 35+), or Financial Assets(*) above €50,000, enrollment in paperless statements, and regular income of €750 or more.

This campaign is stackable with other ongoing credit card acquisition campaigns.

¹⁰ A New Client is defined as someone who, as of 28/02/2026, was not the primary holder of any account at the Bank and who opens their first account as the primary holder during the Campaign period.

To be eligible for the benefit of 2 years exemption from the account package maintenance fee, each referred colleague must:

1. Open an account via the app, website, or at any Millennium branch.
   The annual account maintenance fee is €64.92, charged monthly in arrears at €5.41 per month (including taxes). Account opening requires a minimum deposit of €250 and is subject to the Bank's client acceptance policy (for online account openings, via transfer).
2. Enter the promotional code shared by the referrer in the App under "Have a promotional code" or provide the code at the branch.
3. Set up a salary deposit of more than €1,000 net per month.

The exemption period for the account package maintenance fee begins the month after your referred colleague meets all eligibility criteria.

This campaign can be combined with other ongoing credit card acquisition campaigns.

The preferential conditions of the Plano Mais Colaborador are subject to quarterly review and modification, in accordance with the information available under Accounts > Work > Plano Mais Colaborador. This does not preclude Millennium bcp from reviewing the plan whenever there are changes in general market conditions, the Bank's pricing policy, or any legal or regulatory provisions to which the Bank is subject.

The Bank reserves the right to withdraw the Plano Mais Colaborador, which will result in the termination of the associated preferential product conditions for all beneficiaries, without prejudice to the effects of preferential conditions applied before that date. Discounts on the current Price List are not cumulative with any other preferential conditions in effect.

A salary is considered domiciled when it is a bank transfer credit of at least €350, properly coded at the source with the ISO code "SALA", into a current account held by the customer at Millennium bcp.