Term deposits
Grow your savings.
Discover our term deposits, which allow you to save with a pre-defined interest rate and for a fixed period of time, without risking your capital.
Specify the initial amount to be invested and calculate the maturity amount at the end of each deposit.
Allows reinforcements
Interest Capitalization
Periodic Interest
Term >= 1 year
Poupança Aforro 3 Meses
Ideal for short-term savings. Available through Montepio24 and counters.
- Term: 3 months
- Renewable: Yes
- Min. deposit: 500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 3,500%
Poupança Aforro 6 Meses
Ideal for short-term savings. Exclusive for Montepio24 customers.
- Term: 6 months
- Renewable: Yes
- Min. deposit: 500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 3,500%
Poupança Aforro 12 Meses
Savings safely. Available through Montepio24 and branches.
- Term: 12 months
- Renewable: Yes
- Min. deposit: 500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 3,500%
Poupança 6 Meses
Exclusive for new capitals. Available through Montepio24 and branches.
- Term: 6 months
- Renewable: No
- Min. deposit: €25,000
- Max. deposit:-
- Reinforcements: No
- Early withdrawal: No
- Rate (GNAR): 3,600%
Poupança M24
Total flexibility in the form of interest payment. Available exclusively through Montepio24.
- Term: 30 to 180 days
- Renewable: Yes
- Min. deposit: 125€
- Max. deposit:-
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 0.75%
Poupança Ativa
Plano de poupança definido por si. Disponível através do Montepio24 e balcões.
- Term: 1 year
- Renewable: Yes (only 1 time)
- Min. deposit: 25€
- Max. deposit: 100.000€
- Reinforcements: Yes
- Early Withdrawal: Yes
- Rate (GNAR): 1st year: 1,000% / 2nd year: 2,000%
Poupança Super
Earn interest every six months with increasing returns. Available through Montepio24 and branches.
- Term: 3 years
- Renewable: No
- Min. deposit: €2,500
- Max. deposit: 500.000€
- Reinforcements: No
- Early Withdrawal: Yes
- Average rate (GNAR): 2.675%
Poupança Especial Jovem
Savings for young people aged 18 to 30. Available through Montepio24 and branches.
- Term: 1 year and 1 day
- Renewable: Yes
- Min. deposit: 25€
- Max. deposit: 20.000€
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 2,750%
Poupança por Objetivos
Savings built with the amount and frequency of reinforcements you desire. Available through Mealheiro Digital (the Digital Piggy-Bank).
- Term: 30 to 360 days
- Renewable: Yes
- Min. deposit: 5€
- Max. deposit: 100.000€
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 0.750%
Poupança Exclusiva
Exclusive for customers with Mortgage Loans. Available through Montepio24 and counters.
- Term 1 year
- Renewable: No
- Min. deposit: €5,000
- Max. deposit: 150.000€
- Reinforcements: No
- Early withdrawal: No
- Rate (GNAR) preferred: 3,500%
- Rate (GNAR): 1,500%
Poupança Cresce 1 Ano
For younger customers, from 0 to 17 years old. Available through Montepio24 and branches.
- Term: 1 year
- Renewable: Yes
- Min. deposit: 25€
- Max. deposit:-
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 2,500%
Poupança Cresce 3 Anos
For younger customers, from 0 to 17 years old. Available through Montepio24 and branches.
- Term: 3 years
- Renewable: No
- Min. deposit: 500€
- Max. deposit: €50,000
- Reinforcements: No
- Early withdrawal: Yes
- Average rate (GNAR): 2,750%
Poupança Especial Não Residentes
Exclusive for customers not resident in Portugal. Access to the Pestana Premium Check-in Voucher Campaign. Available through Montepio24, branches. and Representative Offices.
- Term: 3 years
- Renewable: No
- Min. deposit: €25,000
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: From the 2nd year
- Average rate (GNAR): 3,000%
Savings for retirement.
Extra security for your savings.
Indicative simulation of the accumulated value at the end of the TD, considering a tax retention rate of 28%, corresponding to private customers resident in Portugal and, in the case of Special Non-Resident Savings, to non-resident private customers. The amounts are not binding and are always subject to the features of each deposit and customer, namely the information contained in the Standardised Information Sheet.