Choose your account.

(1) Conditions for Discounted Package Account Maintenance Fee:

- Customers who are members of Montepio Associação Mutualista (Becoming a member requires a one-time fee of €9.00, a monthly membership fee of €2.00, and subscription to a mutual savings or protection plan);

and Automatic monthly domiciliation of salary or retirement pension, or creation of a “Poupança Mealheiro” term deposit with scheduled contributions of at least €25 per month and a minimum of four SEPA-DD charges; and  

- Customers who make purchases totaling €150 or more per month using debit and/or credit cards linked to the current account where the +Consigo Solution was subscribed.

(2) Salary Overdraft Facility:

APR (TAEG) of 16.500%, with monthly repayment and interest charged monthly.  

Example: For an amount of €1,500 used over 90 days, interest would be €55.50, plus Stamp Duty on interest of €2.22.

(3) Salary Account: 

- Access condition: Customers receiving a net monthly salary of €450 or more, or a net monthly retirement pension of €250 or more, credited to the current account.  

- Minimum opening deposit: €250

(4) Conditions for Waiving the Maintenance Fee of the Package Account:

- Clients who are Members of Montepio Associação Mutualista (Being a Member of Montepio Associação Mutualista requires the payment of a €9.00 membership fee, a monthly membership fee of €2.00, and the subscription to a mutual savings or protection plan); and

Automatic monthly salary deposit or, alternatively, Financial Assets ≥ €5,000 and the setup of the term deposit “Poupança Mealheiro” with scheduled contributions of at least €25; and

- Clients with purchases equal to or greater than €150 per month made using debit and/or credit cards linked to the current account where the + Contigo Solution was subscribed.

Classic Credit Card: 

APR (TAEG): 11.4%  

Nominal Annual Rate (TAN): 8.000%; Annual card fee: €18.00, paid in 12 monthly installments charged in advance. The first monthly fee is charged upon card subscription; subsequent fees are charged every 30 days. Fee is waived if the customer makes total card transactions of €150 or more in purchases, cash advances, and/or service payments recorded on the card account in the 30 days prior to the fee charge date. Transactions still in “authorization request” status are excluded. APR calculated on September 5, 2025, for a credit example of €1,500 with a 12-month repayment term.

Gold Credit Card:

APR (TAEG): 18.6%  

Nominal Annual Rate (TAN): 11.000%; Annual card fee: €60.00, paid in 12 monthly installments charged in advance. The first monthly fee is charged upon card subscription; subsequent fees are charged every 30 days. Fee is waived if the customer makes total card transactions of €250 or more in purchases, cash advances, and/or service payments recorded on the card account in the 30 days prior to the fee charge date. Transactions still in “authorization request” status are excluded. APR calculated on September 5, 2025, for a credit example of €2,000 with a 12-month repayment term.