GOLDEN KEY ACCOUNT
Feel at home.
Golden Key Account
From €15/month + Stamp Duty in packaged account maintenance fees, you can access all the additional products and services included in this packaged account.
Eligibility
Age
18 or over
Minimum opening balance
€250
Account opening channel
Branch
Key Benefits
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Personal relationship managerWhen you open a Golden Key Account, you gain access to a dedicated relationship manager fluent in English, French or Chinese, who will help you plan your financial future and manage your day‑to‑day financial needs.
Always attentive to the best opportunities, your manager is able to anticipate competitive solutions tailored to your life and your goals. Always available by phone or email.
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MB WAY transactions and main daily operations at €0Free MB WAY transfers in our App.
Main daily operations are free for the first account holder, such as instant transfers, standard non‑urgent SEPA+ credit transfers, bill payments, mobile top‑ups and others made via novobanco Online or the App
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Debit Card
Debit Card with free annual fee for both the main cardholder and the additional cardholder
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Gold Credit CardGold Credit Card* with free annual fee for the main cardholder and the additional cardholder
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Cheque bookFree first cheque book (20 cheques)
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Direct debits
Direct debit authorisations at no cost
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Foreign currency deposits
Foreign currency deposits at competitive rates
About Golden Key Account
- Account type: packaged account
- Currency: euro
- Age requirement: 18 or over
- Country of residence: residents and non‑residents
- Minimum opening amount: €250
- Specific opening conditions: none
- Access to Service 360 (dedicated manager): included, with access to a dedicated manager
- Current account: yes
Savings account: yes - Debit Card: free for 2 cardholders (main cardholder and additional cardholder)
- Credit Card (2): Credit Card Verde / Gold Credit Card. Free for 2 cardholders (main cardholder and additional cardholder)
- Prepaid card: no
- Salary Overdraft Solution (3): yes, available with active salary domiciliation
(*) Credit Card Gold: APRC 18.5%, nominal annual rate 14.600%, for a credit limit of €1,750 with repayment over 12 months. 3rd quarter of 2026. Credit card availability fee of €25, plus Stamp Duty.
Salary Overdraft Solution: Representative example, 3rd 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.
- Account maintenance: included at no additional cost
- Salary domiciliation: included at no additional cost (upon request)
- Domiciliation of recurring payments: included at no additional cost
- Access to novobanco Online (App and website): included at no additional cost
- National interbank transfers: included at no additional cost via novobanco Online and the App
- Generation of Virtual Cards: included at no additional cost
- MB WAY enrollment and usage: included at no additional cost via the novobanco App
- Fund subscriptions: included at no additional cost
- Stock market orders and transactions: included, with associated fees
- Standing orders: included at no additional cost when set up via online banking
- Card reissuance: included and free in case of defect or malfunction. Fees apply in case of loss or improper use
- Credit operations: included, with associated fees depending on each specific solution
- Instant transfers through novobanco digital channels: fees apply
(From 9 January 2025, instant transfers will be free in the App and novobanco Online.)
- SEPA+ credit transfers (occasional and non‑urgent): included at no additional cost via novobanco Online or the App
- Foreign currency requests: included, with associated fees
- Incoming international transfers: included, with associated fees
- International ATM withdrawals: included, with associated fees
- International POS payments: included, with associated fees
- Interbank exchange rate: included, with associated fees
- Deposit guarantee fund up to €100,000: included
- Insurance subscription benefits: Health Insurance benefits (Companhia de Seguros Tranquilidade)
- Cheque book: included. First standard cheque book (20 cheques) is free
- Securities portfolio: included, with associated fees
- Safe deposit box rental service: included, with associated fees
- Medical and technical assistance:
As a Conta Golden Key - Golden Key Account holder, you may access home medical assistance at any time in case of illness affecting you or a family member, including sending a doctor to your home, with only the consultation cost payable.
Travel is covered by novobanco.
Includes one free consultation per calendar year.
You may also access medication delivery and other complementary services.
Simply call 800 202 271. - As a Conta Golden Key - Golden Key Account holder, you may also access home technical assistance at any time, with professional technicians available (plumbing, electricity, household appliances, painting, carpentry, among others).
Includes free travel and up to 1 hour of free labour on the first occurrence per year.
Simply call 800 202 271. - Special conditions offered by Luz Saúde include:
- a) 20% discount on check‑ups
- b) 15% discount on daily inpatient rates from the 45th day onwards
- c) 10% discount on expenses not covered by health insurance and on amounts exceeding the client’s insurance limit (excluding consumables, medication, blood, and its administration)
- d) Differentiated customer service in English and French at the following units: Hospital da Luz Lisboa, Hospital da Luz Clínica de Oeiras, and Hospital da Luz Arrábida (service must be requested at each unit)
- *Conditions valid at: Hospital da Luz Póvoa de Varzim, Hospital da Luz Clínica de Amarante, Hospital da Luz Clínica de Cerveira, Hospital da Luz Clínica do Porto, Hospital da Luz Arrábida, Hospital da Luz Aveiro, Hospital da Luz Lisboa, Hospital da Luz Clínica de Oeiras, Hospital da Luz Clínica da Amadora, Hospital da Luz Setúbal, and Hospital da Misericórdia de Évora.
- Special conditions in hospitals of the HPA Group in mainland Portugal, with discounts up to 50%:
- a) 15% discount on HPA price list, except consumables and medication
- b) 30% discount on check‑ups (10% discount on the Premium Check‑Up)
- c) 50% discount on general and family medicine consultations, applicable once per year, with the possibility of being attended by a doctor speaking the beneficiary’s native language
- d) In the Sorria + programme, first evaluation consultation, orthopantomography, and treatment plan at no cost
- e) 30% discount on ambulance services
- f) 15% discount on Health Tourism services
- *Conditions valid at: Hospital Particular do Algarve – Alvor, Hospital Particular do Algarve – Gambelas, Hospital de S. Camilo – Portimão; and the following clinics: Centro Médico Internacional de Vila Real de Santo António, Clínica Medchique – Monchique, Clínica Particular do Algarve – AlgarveShopping/Guia, Clínica Particular de Vilamoura, Clínica SIIPEMOR – São Brás de Alportel, and CLÍDIS – Clínica de Diagnóstico de Sines (Sines/Odemira/Vila Nova de Milfontes/Santiago do Cacém/Beja).
- Accommodation benefits in Portugal:
To help you explore the country from north to south, you have preferential rates in several hotel groups in Portugal.
At the Vila Galé chain, you benefit from a 10% discount on the online rate listed on www.vilagale.com. - Valid at: Vila Galé hotels in Tavira, Albacora, Vilamoura (Ampalius, Marina), Albufeira (Atlântico, Cerro Alagoa, Praia), Beja, Coimbra, Lamego (Douro), Ericeira, Estoril, Évora, Lagos, Armação de Pêra (Náutico), Lisbon (Ópera), Porto, Santa Cruz, Paço de Arcos (Collection Palácio dos Arcos).
In Brazil: Marés, Cumbuco, Eco Resort de Angra, Eco Resort do Cabo, Fortaleza, Rio de Janeiro, and Salvador. - Golf benefits:
Preferential conditions in various golf courses across the country, including discounts on green fees:- a) At Pestana Golf courses, 30% discount on the retail green fee price, extendable to up to 3 accompanying persons
- b) 10% discount on restaurant services (except Beloura Restaurant in Sintra)
- Valid at: Gramacho and Vale da Pinta (Lagoa), Silves Golf, Alto Golf (Alvor), Vila Sol (Quarteira), Beloura (Sintra).
- Social or sustainability contribution: not included
- Digital statements enrollment: included
- Monthly packaged account maintenance fee of €15.00/month + 4% Stamp Duty
(totaling €15.60/month and €187.20/year).
The fee is charged monthly on the account’s anniversary date.
Account maintenance fees are charged in arrears.
Mortgage
novobanco offers mortgages to finance the purchase of property in Portugal.
Term up to 30 years
As long as the client is no older than 75 at the end of the mortgage term.
Minimum self‑financing of 25%.
Special conditions
Applicable if the property is owned by novobanco or one of its partners.
Minimum amount
Minimum loan amount of €75,000.
Life insurance
Not mandatory.
Special conditions offered by Luz Saúde
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Check up20% discount on check‑ups
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Hospitalisation15% discount on daily inpatient rates from the 45th day onwards
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Health expenses10% discount on expenses not covered by health insurance and on amounts above the policy limit
(applicable to clients with health insurance; excludes consumables, medication, blood and its administration) -
Customer serviceSpecialised customer service available in English and French at the following units:
Hospital da Luz Lisboa, Hospital da Luz Clínica de Oeiras, and Hospital da Luz Arrábida
(service must be requested at each unit)
(*) Conditions valid at: Hospital da Luz Póvoa de Varzim, Hospital da Luz Clínica de Amarante, Hospital da Luz Clínica de Cerveira, Hospital da Luz Clínica do Porto, Hospital da Luz Arrábida, Hospital da Luz Aveiro, Hospital da Luz Lisboa, Hospital da Luz Clínica de Oeiras, Hospital da Luz Clínica da Amadora, Hospital da Luz Setúbal, and Hospital da Misericórdia de Évora.
Special conditions in HPA group hospitals
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Product discounts
15% discount on the HPA price list, excluding consumables and medication
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Check‑ups
30% discount on check‑ups, except the premium check‑up, which has a 10% discount
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Consultations
50% discount on general and family medicine consultations, once per year, with the possibility of being attended by a doctor in the beneficiary’s native language
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Dental Check‑ups
In the Sorria + programme, the first evaluation consultation, orthopantomography, and treatment plan are free of charge
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Additional services
30% discount on ambulance services
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Health tourism
15% discount on health tourism services
*Conditions valid at: Hospital Particular do Algarve – Alvor, Hospital Particular do Algarve – Gambelas, Hospital de S. Camilo – Portimão; and the following clinics: Centro Médico Internacional de Vila Real de Santo António, Clínica Medchique – Monchique, Clínica Particular do Algarve – AlgarveShopping/Guia, Clínica Particular de Vilamoura, Clínica SIIPEMOR – São Brás de Alportel, and CLÍDIS – Clínica de Diagnóstico de Sines (Sines/Odemira/Vila Nova de Milfontes/Santiago do Cacém/Beja).
Carefully designed assistance services
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Home medical assistance (Portugal)As a Golden Key Account holder, you may access home medical assistance at any time in the event of illness affecting you or a family member. This includes sending a doctor to your home, with only the consultation cost payable.
Travel is covered by novobanco.
You are entitled to one free consultation per calendar year.
You may also access medication delivery and other complementary services.
Simply call 800 202 271
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Home technical assistance (Portugal)As a Golden Key Account holder, you may request home technical assistance at any time, with access to professional technicians (plumbing, electricity, household appliances, painting, carpentry and others).
Includes free travel and up to one hour of free labour on the first occurrence per year.
Simply call 800 202 271
Accommodation benefits in portugal
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AccommodationTo help you experience Portugal from north to south, you benefit from preferential conditions in several hotel chains across the country.
At the Vila Galé group, you receive a 10% discount on the online rate published at www.vilagale.com
Valid in Portugal at:
Vila Galé Albacora and Vila Galé Tavira (Tavira); Vila Galé Ampalius (Vilamoura); Vila Galé Atlântico and Vila Galé Cerro Alagoa (Albufeira); Vila Galé Cascais (Cascais); Vila Galé Clube de Campo (Beja); Vila Galé Coimbra (Coimbra); Vila Galé Douro (Lamego); Vila Galé Ericeira (Ericeira); Vila Galé Estoril (Estoril); Vila Galé Évora (Évora); Vila Galé Lagos (Lagos); Vila Galé Marina (Vilamoura); Vila Galé Náutico (Armação de Pêra); Vila Galé Ópera (Lisbon); Vila Galé Porto (Porto); Vila Galé Praia (Galé); Vila Galé Santa Cruz (Santa Cruz); Collection Palácio dos Arcos (Paço de Arcos).
Valid in Brazil at:
Vila Galé Marés (Camaçari), Vila Galé Cumbuco (Caucaia), Vila Galé Eco Resort de Angra (Angra dos Reis), Vila Galé Eco Resort do Cabo (Vila Suape), Vila Galé Fortaleza (Fortaleza, Ceará), Vila Galé Rio de Janeiro (Rio de Janeiro), and Vila Galé Salvador (Ondina).
Golf benefits
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Golf courses
Across several golf courses in Portugal, you benefit from preferential conditions such as discounted green fees:
a) At Pestana Golf courses, a 30% discount on the retail green fee price, extendable to up to three accompanying guests.
b) 10% discount on restaurant services (excluding the Beloura restaurant in Sintra)
Valid at: Gramacho and Vale da Pinta (Lagoa), Silves Golf (Silves), Alto Golf (Alvor), Vila Sol (Quarteira), Beloura (Sintra).
Golden Key Account
More than an account, a partner.
(1) Packaged account maintenance fee of €15.00/month + 4% Stamp Duty, corresponding to €15.60/month and €187.20/year.
(*) Credit Card Gold: APRC 18.5%, nominal annual rate 14.600%, for a credit limit of €1,750 with repayment over 12 months. 3rd quarter of 2026. Credit card availability fee of €25, plus Stamp Duty.
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