CONTAS ONLINE – ONLINE ACCOUNTS
Open a Current Account Online and enjoy all the benefits.
With novobanco Packaged Accounts, Cashback comes as standard.
When you open a novobanco Packaged Account, you gain access to personalised offers tailored to your spending profile. There are more than 200 participating retailers and partners, with new offers every week, so keep an eye on the App and novobanco Online.
Online account opening is available exclusively to Portuguese and Brazilian citizens, or citizens holding a Schengen Area passport with valid residence in Portugal.
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Personalised offers just for youThe offers you see in the App or on novobanco Online are selected based on your profile
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More than 200 retailers and partners offering CashbackAcross categories such as fashion, restaurants, education and supermarkets
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Pay with your card
You can pay using a Debit Card or Credit Card after checking available offers in the App or on novobanco Online
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Receive Cashback after the return period ends
Cashback is credited only when the period during which the purchase can be returned has expired
- Open account online
Open an Account
Opening an account online is 100% secure, digital, quick and easy. Using the Digital Mobile Key and a quick video selfie to confirm your identity, you can open your account in just a few minutes and immediately start enjoying novobanco's exclusive benefits.
How does it work?
Validação
Validate your contact details and review the pre-contractual information.
Recolha
Authenticate yourself using your identification document or Digital Mobile Key. View the documents required for Schengen residents and non-Schengen residents.
Videoselfie
Complete a video selfie so we can verify your identity.
Signature
Digitally sign your account opening agreement and you're ready to go.
Which account can I open?
Have you already started your online account application?
If you left your application part-way through, you can continue from where you stopped.
(*)Page in portuguese
Frequently Asked Questions
Online account opening does not require documentary evidence. You simply need to complete one of the following actions within 30 days of opening the account:
Activate the matrix card sent to your address after signing up to the Digital Channels; or
Make a transaction using your Debit Card.
The matrix card can be activated through the Digital Channels.
To activate your account, the first transfer must meet the following conditions:
SEPA transfer;
Sent from a Portuguese bank account;
You do not need to be the account holder of the sending account;
Instant transfers, MB WAY, ATM transactions and cash deposits are not accepted;
Funds must be credited within 30 days of the account opening date.
You may add a second account holder later. At present, this must be completed at one of our Branches (page in portuguese).
To activate the Digital Channels and start using your account straight away, complete the application and obtain your access credentials for the website and App
Depending on the account selected, after opening your account online you may request your Credit Card through the Digital Channels or at any novobanco Branch.
If you wish to open an account at a Branch, please consult the required documentation for a non-EU citizen resident in Portugal.
Enjoy the benefits of our accounts.
Cancellation of the Online Account Opening Agreement
To exercise your right to withdraw from or terminate an agreement entered into through the online channels, click the button below. (link in portuguese)
For a quick and straightforward experience, open your account online using a video selfie or Digital Mobile Key and enjoy a wide range of benefits. In addition to a Packaged Account, you will have access to a variety of free products and services, including Debit Cards, Prepaid Cards, virtual cards, MB WAY services, Credit Cards, Personal Overdraft facilities and transfers. Our aim is to provide you with innovative products and the very best banking experience.
100% Account: Account maintenance fee without bonus: €7.90/month | €94.80/year + 4% Stamp Duty, corresponding to €8.22/month and €98.64/year.
You may qualify for an intermediate discounted fee of €5.50 + 4% Stamp Duty, corresponding to €5.72/month and €68.64/year, provided that you have your salary paid into the account from €670 onwards, transfer code 08, or your pension from €420 onwards, transfer code 11, and you have two or more monthly Direct Debit payments for household expenses, such as water, electricity, gas and telecommunications, as well as €250/month in purchases with the cards linked to your account, and your account statement in digital format.
If the value of purchases made with the cards linked to your account exceeds €500/month, the discount will be the maximum one, meaning you will pay €4.50/month + 4% Stamp Duty, corresponding to €4.68/month and €56.16/year.
360° Account: Account maintenance fee of €9.90/month | €118.80/year + 4% Stamp Duty (equivalent to €10.30/month and €123.60/year), which may be reduced to €7.50 + 4% Stamp Duty (equivalent to €7.80/month and €93.60/year). To benefit from this, in addition to holding novobanco savings and investment solutions with an average monthly balance above €35,000, you must also have your account statement in digital format.
The account maintenance fee may be further reduced to €5.50/month + 4% Stamp Duty (equivalent to €5.72/month and €68.64/year) if, in addition to the previous criteria, you domicile your salary from €1,500 or your pension from €500 (transfer code 08 or 11), OR if you make €800 in monthly purchases using the cards associated with your Conta 360°.
26.31 Account: Packaged account maintenance fee of €5.00 per month plus 4% Stamp Duty. Equivalent to €5.20 per month and €62.40 per year. You may access a discounted fee of €1.75 per month plus 4% Stamp Duty. Equivalent to €1.82 per month and €21.84 per year. To qualify, you must have digital statements and either make €250 per month in purchases with your account cards or, alternatively, have your salary paid in, transfer code 08, from €670. You can qualify for the maximum discounted fee of €0.00 per month if you meet all these criteria cumulatively.
Welcome Account: Account maintenance fee: €7.90/month or €94.80/year plus 4% Stamp Duty (corresponding to €8.22/month and €98.64/year).
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal