Accounts and Solutions

Choose your account.

Find the bank account that works for you.

Packaged bank account

+Consigo

The solution that provides integrated access to essential everyday products and services, with a package account maintenance fee starting at €2.60 per month (1).

 

  • Current account exempt from maintenance fee 
  • 2 debit cards (maximum one card per holder)
  • 2 credit cards (maximum one card per holder, subject to bank approval)
  • 50 free, normal and immediate SEPA+ transfers made via automatic channels
  • Advance of up to 100% of salary or retirement pension domiciled in the current account where the +Consigo Solution was subscribed (Overdraft Facility (2), subject to bank approval)
  • Special conditions on insurance and PPRs (Retirement Savings Plan)
  • First month of subscription is free

 

Check the price reduction conditions at the bottom of the page (1).

General Terms and Conditions

Packaged bank account

+Contigo

The solution that provides integrated access to the main everyday products and services for clients aged 18 to 30, with a package account maintenance fee starting at €0.00 per month (3).

 

  • Current account exempt from maintenance fee
  • 1 debit card
  • 1 credit card (subject to the Bank’s approval)
  • 50 free, normal and immediate SEPA+ transfers made via automatic channels
  • Advance of up to 100% of salary or retirement pension domiciled in the current account where the + Contigo Solution was subscribed (Overdraft Facility (2), subject to bank approval)
  • Discount on the Check-In travel insurance – Offer of a maximum value of €20.00/year in premiums
  • First month after subsciption is free

 

Check the price reduction conditions at the bottom of the page (3).

General Terms and Conditions

Current account

Standard Account

An account that provides access to all the bank's products for a fixed monthly fee.

 

  • Minimum opening amount of 250 euros
  • Online access, through Montepio24 web and app
  • Maintenance commission from 2.70 euros per month
  • Available to customers aged 18 and above
  • Advance up to 100% of Salary or Retirement Pension, credited to the current account (Salary Overdraft Facility (2), subject to bank approval

Current account

Special Youth Account

The account designed for young people and students. 

 

  • From 18 to 30 years of age
  • Exempt from maintenance commission until the age of 25
  • Minimum opening amount of 25 euros
  • Online access via Montepio24 web and app
  • Access to the Special Youth Savings term deposit
  • Access to the Special Youth Debit Card and +More with You Solution 
  • Advance up to 100% of Salary or Retirement Pension, credited to the current account (Salary Overdraft Facility (2), subject to bank approval

Current account

Junior Account

The first account for children.

 

  • From 0 to 17 years of age
  • Exempt from maintenance commission
  • Minimum opening amount of 25 euros
  • Account movement done by Legal Representatives
  • Access to the Grow Account  term deposit
  • AAccess to a Prepaid card

Current account

Basic Bank Account

An account for those requiring only the essential to manage their daily lives.

 

  • A current account with online, ATM or over-the-counter transactions
  • 1 debit card
  • 48 online SEPA+ transfers per year
  • Access to service payments and direct debits
  • Maintenance fee of 1.04 euros per quarter
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Account Transfer service

Switch your bank easily.

Get free access to the Account Transfer service, which helps you switch your current account from another bank to Banco Montepio.

Keep it basic.

The basic bank account is an account that, as the name suggests, brings together the basic banking services essential for your daily life.

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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) Conditions for reducing 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.

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