Choose your account.

(1) Conditions for reducing the account package maintenance fee:

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

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

- Customers with monthly purchases equal to or greater than €150 made using debit and/or credit cards associated with the current account linked to the +Consigo Solution.

(2) Conditions for reducing the account package maintenance fee:

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

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

- Customers with monthly purchases equal to or greater than €150 made using debit and/or credit cards associated with the current account linked to the +Contigo Solution.

(3) Salary Overdraft Facility:

Advance of up to 100% of the salary or retirement pension domiciled in the current account linked to the +Consigo or +Contigo solutions, subject to bank approval.

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

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

(4) Discount on the Check In Travel Insurance:

Offer of up to €20.00 per year in premiums.

Classic Credit Card:

APR: 11.2%

Nominal interest rate (TAN): 8.000%; annual credit card fee of €18.00, equivalent to a monthly fee of €1.50. The first monthly fee is charged upon card activation, and subsequent fees are charged every 30 days thereafter. The fee is waived whenever the customer records total card transactions of €150 or more in purchases, credit cash advances, and/or service payments, registered in the card account within the 30 days prior to the fee charge date. Transactions still in “authorisation request” status are excluded, as they are not yet posted to the card account. APR calculated for a credit example of €1,500 with a repayment term of 12 months.

Gold Credit Card:

APR: 18.0%

Nominal interest rate (TAN): 11.000%; annual credit card fee of €60.00, equivalent to a monthly fee of €5.00. The first monthly fee is charged upon card activation, and subsequent fees are charged every 30 days thereafter. The fee is waived whenever the customer records total card transactions of €250 or more in purchases, credit cash advances, and/or service payments, registered in the card account within the 30 days prior to the fee charge date. Transactions still in “authorisation request” status are excluded, as they are not yet posted to the card account. APR calculated for a credit example of €2,000 with a repayment term of 12 months.

(5) Salary Overdraft Facility:

Advance of up to 100% of the salary or pension credited to the current account, subject to bank approval.

APR of 16.500%, with monthly repayment and interest charged monthly. Example: for an amount of €1,500 used over 90 days, interest amounts to €55.50, plus €2.22 in Stamp Duty on interest.