100% Account Double Advantage
A Current Account with even more benefits.
(*)available only in portuguese
The 100% Acount Double Advantage is an exclusive account for employees of companies that have an agreement with novobanco.
A complete solution that combines a Current Account with a Savings Account, designed for those looking for greater day-to-day benefits linked to their company's relationship with the bank.
By domiciling your salary, you may benefit from preferential conditions, greater flexibility and access to a wider range of benefits.
Packaged Account Maintenance Fee
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A partir de 3,50€/mês (1)From €3.50/month (1)
€3.50/month + Stamp Duty when a salary of at least €670 is domiciled.
€6.90/month + Stamp Duty without salary domiciliation.
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Special Mortgage conditionsAccess to a preferential spread discount and waiver of the application assessment fee
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Special Consumer Credit conditionsPossibility of benefiting from a 1% interest rate discount
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Special Term Deposit conditions
Special 3% rate for a 6-month term and amounts between €250 and €50,000. Exclusive to new customers and valid until 31/12/2026
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GamaLife Life Insurance
15% discount⁵ on the first annual premium, provided eligibility conditions remain fulfilled
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Special Insurance conditions
Mudum Home, Motor and Health Insurance³ with 15% cashback on the first annual premium⁴, provided eligibility conditions remain fulfilled
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Card Provision
Free Debit Card, Credit Card GreenVerde (*) and/or Prepaid Card Tipo for the account holder and one additional holder
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Free MB WAY transactions and everyday banking servicesFree MB WAY transactions in our App. Free day-to-day services for the primary account holder, including instant transfers, non-urgent one-off SEPA+ credit transfers, service payments, mobile top-ups and more via novobanco Online or the App
Included Services and Transactions
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Access to Personal OverdraftAn authorised overdraft facility that may correspond to up to 100% of your salary, provided it exceeds €300, up to a maximum of €10,000.
Automatic bill payments (Direct Debits) for utilities such as water, electricity, mobile phone services and more.
Assistance Services
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Access to medical and technical assistance at homeQualified doctors and technicians available to visit your home whenever needed. The first doctor or technician visit each year is provided at novobanco's expense.
Shall we open your account now?
In Person
(*)available only in portuguese
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(1) Account Maintenance Fee Reduction
Standard account maintenance fee of €6.90/month + 4% Stamp Duty (equivalent to €7.18/month and €86.16/year).
The fee may be reduced to €3.50/month + 4% Stamp Duty (equivalent to €3.64/month and €43.68/year) if you have:
Salary domiciliation (code 08) equal to or higher than €670, or a pension equal to or higher than €420; and
Account statements provided in digital format.
Eligibility criteria for the reduced fee:
Salary domiciliation (code 08) equal to or higher than €670, or pension equal to or higher than €420.
Digital account statements.
(2) DP DV New Customers
Available at novobanco Branches for customers who meet the eligibility criteria.
For more detailed information, please consult the updated Standardised Information Sheet (FIN), the General Conditions and the Depositor Information Form (FID), available at any novobanco Branch.
Deposits held with novobanco benefit from the repayment guarantee provided by the Deposit Guarantee Fund. For further information, please visit www.fgd.pt.
The following are considered new customers:
(i) Customers who have never held an account with the Bank.
(ii) Customers who previously held Current Accounts with the Bank that have been closed for more than one year on the date the deposit is opened.
(iii) Customers who hold a Current Account with the Bank that was opened less than 30 days before the term deposit is established.
(3) Insurance Products
Products marketed by NOVO BANCO, S.A., registered with the Portuguese Insurance and Pension Funds Supervisory Authority as Insurance Agent no. 419506141 since 21/01/2019.
Authorised to distribute Life and Non-Life insurance products from GamaLife, Mudum Seguros, Generali Seguros S.A., Europ Assistance, GNB Fundos de Pensões and Coface.
NOVO BANCO, S.A. acts without powers of representation for concluding insurance contracts, does not receive insurance premiums and does not assume insurance risks.
Contracts are concluded by Mudum - Companhia de Seguros, S.A.
(4) Promotion
Campaign valid for new Mudum Home, Motor and Health Insurance policies.
(5) Life Insurance Discount
Discount valid during the first year, provided eligibility requirements continue to be met.
Product distributed by NOVO BANCO, S.A. and underwritten by GamaLife - Companhia de Seguros de Vida.
This information does not replace the need to consult the legally required pre-contractual and contractual documentation.
Information and examples of Credit Card Gold
(*) Gold Card: 18.5% APRC at 14.600% APR, for a credit limit of €1,750 with repayment at 12 months. 4th Quarter 2026. Credit card provision fee of €25, plus stamp duty.
(2) Annual fee waived for the first and second cardholders when linked to 360º Account or Golden Key Account
(3) A cash advance fee may be charged depending on the channel used, up to €4.25 plus 4.50%.
(4) Countries covered by Regulation (EU) 2021/1230 (Euro area, European Union and EEA): Belgium, Germany, Greece, Spain, France, Ireland, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Slovenia, Cyprus, Malta, Slovakia, Estonia, Latvia, Lithuania, the Czech Republic, Denmark, Hungary, Poland, Sweden, Bulgaria, Romania, Croatia, Iceland, Norway and Liechtenstein. Currencies covered: the euro, the Swedish krona and the Romanian leu. Excluding transactions made at fuel stations.
Salary Overdraft Solution: Representative example, 4th quarter of 2026. APRC 18.3%, nominal annual rate 16.300%, for a limit of €1,500 and a contracted term of 3 renewable months, assuming full use of the credit limit for 3 months.
Frequently Asked Questions
Yes, provided the company you work for has signed a partnership agreement with novobanco.
Your employer should be able to confirm this. Alternatively, visit a novobanco Branch.
Yes. Approval is subject to commercial assessment and an annual fee applies.
Yes, you can.
To subscribe to the digital channels and start using your account straight away, complete the application form and obtain your access credentials for novobanco Online.
Alternatively, you may visit a novobanco Branch.
The reduced account maintenance fee applies when:
Account statements are received in digital format; and
There is salary domiciliation (interbank electronic transfer with code 08) to the Current Account.
Salary domiciliation validation is checked during the calendar month preceding the fee charge
These are transactions available through Multibanco Network ATMs and displayed exactly as "Multibanco Transfer" on screen.
They are processed by SIBS between Portuguese banks.
Yes. MB WAY is available for this card and transfers carried out through MB WAY are free in the novobanco App.
Yes. MB WAY is available for this card and MB WAY transfers are free of charge.
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal