Frequently asked questions about account opening

You can open an account through our app, website, or at a branch.

The required documents are:

• Account Opening Proposal*
• Customer File and Signature Sheet*
• Citizen Card or original Identity Card or Personal Card (only if you do not have ID); or Taxpayer Card
• Proof of address (to prove tax address: water or electricity receipt, or other supporting document). This document must not be older than 12 months
• Proof of employment and professional entity (professional card, salary slip or any other supporting document).

*You can download these documents from our website or ask for them at a branch.

Depending on your profile and age, we offer various options:

• Millennium Account
• Millennium Start Account
• Basic Account
• Minimum Banking Services Account

In addition, the Millennium Account can be enhanced with additional solutions that offer a range of advantages:

• Cliente Frequente
• Prestige Program
• Prestige Direct Start and Family
• Millennium GO!
• Millennium GO! Uni
• Mais Portugal (for residents abroad)

These advantages can include a variety of benefits, such as insurance, discounts on partners and exemption from fees for debit and credit cards.

Yes. To open an account, both holders need to go to a branch and bring these documents:

ID documents

Valid ID (one of the following documents):

• Citizen Card (the only one accepted for opening an account online)
• Residence permit
• Passport
• National ID

Valid taxpayer number (one of the following documents):

• Citizen Card (the only one accepted for opening an account online)
• Taxpayer card
• Taxpayer register

Proof of address (last 12 months):

• National address (one of the following documents): Tax return statement / Utility invoice
• International address (one of the following documents): Tax statement issued by the tax authority of the country of residence / Consular document

Proof of professional status (last 6 months)

Employee (one of the following documents):

• Payslip
• Employer statement
• Employment contract

Freelancer (one of the following documents):

• Recibo verde
• Declaration of start of business activity
• Declaration together with the card issued by the Professional Body

Self-employed (one of the following documents):

• Certificate of Commercial Registry
• Company registration

Unemployed (one of the following documents):

• Declaration of unemployment (Employment Center Registration)
• Economic Situation Certificate issued by the Parish Council, if not registered in an Employment Center

Student (one of the following documents):

• Student card
• Proof of enrollment
• Declaration of university attendance
• Proof of payment of fees

If you live abroad and do not have a Citizen Card, you should go to one of our representative offices in the following countries: Luxembourg, South Africa, Brazil, the United Kingdom, Switzerland and Venezuela, or to one of the Banque BCP branches in France and bring all the necessary documentation:

1. Certified photocopies of the mandatory documents of all holders and/or stakeholders.
2. Print and fill out the following forms:
   - Particular Conditions/Signature Sheet
   - Customer Information Sheet
   - General Conditions
   - Standard Information Sheet
   - Commission Information Document
   - Depositor Information Form.

The authentication of documents can be done by the following entities:

• Local entities with the Hague Apostille or at Portuguese Consulates and Embassies.

If you live abroad and have a Citizen Card, you can open an account in the Millennium App or on our website.

There are several types of accounts:

• Individual Account - can only be managed by the holder;
• Joint Account - opened collectively, in which the holders declare and recognize themselves as joint holders;
• Mixed Account - a plural account in which debit transactions can only be made under the conditions expressly indicated by the holders in the Signature Form.