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(1) Conditions for Reducing 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 joining fee, a monthly membership fee of €2.00, and the subscription to a mutual savings or protection plan); and
- Automatic monthly direct deposit of salary or retirement pension, or the creation of the “Poupança Mealheiro” term deposit with scheduled contributions of at least €25 per month and a minimum of four SEPA-DD charges; and
- Clients with purchases equal to or greater than €150 per month made with debit and/or credit cards linked to the current account where the +Consigo Solution was subscribed.
(2) Salary Overdraft Facility:
APR of 16.500%, with monthly repayment and interest charged monthly. For an example of a €1,500 amount used over 90 days, the interest would be €55.50, plus Stamp Duty on interest of €2.22.
(3) Salary Account:
- Access condition: Clients who receive a net monthly salary equal to or greater than €450 or a net monthly retirement pension equal to or greater than €250, credited to the current account.
- Minimum opening amount: €250
(4) Conditions for Bonus on 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 joining fee, a monthly membership fee of €2.00, and the subscription to a mutual savings or protection plan); and
- Automatic monthly direct deposit of salary or alternatively Financial Assets ≥ €5,000 and the creation of the “Poupança Mealheiro” term deposit with scheduled contributions of at least €25; and
- Clients with purchases equal to or greater than €150 per month made with debit and/or credit cards linked to the current account where the +Contigo Solution was subscribed.
Classic Credit Card:
APR: 11.4%
Nominal Annual Rate (NAR): 8.000%; Annual card issuance fee: €18.00. This fee corresponds to the payment of 12 monthly installments, charged in advance. The first monthly fee is charged after card subscription, and the following ones are charged within the next 30 days. Fee exemption applies whenever the client makes total billing on the card equal to or greater than €150 in purchases, cash advances, and/or service payments recorded in the card account within the 30 days prior to the monthly fee charge date. Transactions still in "authorization request" status are excluded, as they are not yet communicated and recorded in the card account. APR calculated on September 5, 2025, for a credit example of €1,500 and a repayment term of 12 months.
Gold Credit Card:
APR: 18.6%
Nominal Annual Rate (NAR): 11.000%; Annual card issuance fee: €60.00. This fee corresponds to the payment of 12 monthly installments, charged in advance. The first monthly fee is charged after card subscription, and the following ones are charged within the next 30 days. Fee exemption applies whenever the client makes total billing on the card equal to or greater than €250 in purchases, cash advances, and/or service payments recorded in the card account within the 30 days prior to the monthly fee charge date. Transactions still in "authorization request" status are excluded, as they are not yet communicated and recorded in the card account. APR calculated on September 5, 2025, for a credit example of €2,000 and a repayment term of 12 months.