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Conta 100% - 100% Account 

A packaged account designed to bring 100% everyday benefits

  • Credit Card Verde included(*)
  • Salary‑linked discounts
  • Salary Overdraft Solution
Open account

100% Account

 

Monthly packaged account fee from €4.50. 
Includes the Credit Card Verde, 24/7 home assistance services and access to all packaged account features.

Account requirements

Minimum age

Minimum age

18+

Minimum opening balance

Minimum opening balance

€250

Ways to open your account

Ways to open your account

Online or at a Branch

Key Benefits

  • Cashback included

    Discover exclusive cashback offers in the App and novobanco Online. 
    Pay with any novobanco card (debit, credit, or prepaid) and automatically receive part of the amount back, with no vouchers or extra steps

  • €0 daily banking

    Free MB WAY transfers in the App. 
    Free essential operations for the first account holder, including:

    • Instant transfers

    • SEPA+ credit transfers (non‑urgent, occasional)

    • Service bill payments 

    • Mobile top-ups

    • Other key digital transactions via the App or novobanco Online

  • Three included cards

    • Debit Card

    • Credit Card Verde

    • Tipo Prepaid Card

  • 24/7 home assistance

    Qualified medical and technical professionals available 24 hours a day whenever you need support

  • Smart financial management

    Use the App to set savings goals, track spending and subscribe to investment funds

  • Charity contribution

    Part of your account supports one of the participating social projects

  • Salary Cash Advance

    Free access to Salary Overdraft Solution, allowing short‑term salary advances


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.

Information

  • Packaged account

  • Currency: Euro (€)

  • Minimum age: 18+

  • Available to residents and non‑residents

  • Minimum opening: €250

  • Access to 360º dedicated manager, under specific conditions

  • Account maintenance: included

  • Salary domiciliation: included

  • Direct debits: included

  • Access to novobanco Online & App: included 

  • National transfers: included via Online/App

  • Virtual card generation: included

  • MB WAY usage: included

  • Fund subscriptions: included 

  • Stock trading: available (fees apply)

  • Standing orders: included via Online

  • Card re‑issuance: free for defects; fees apply for loss/misuse

  • Credit operations: available (solution‑specific fees apply) 

  • Immediate transfers (digital channels): fees apply until 9 January 2025; free thereafter.

  • SEPA+ transfers (non‑urgent): included

  • Foreign currency requests: available (fees apply)

  • Incoming international transfers: available (fees apply)

  • International ATM withdrawals: available (fees apply) 

  • International card payments: available (fees apply)

  • Interbank exchange rate usage: available (fees apply)

  • Deposit Guarantee Fund up to €100,000: included

  • Chequebook: available (fees apply)

  • Safe deposit box: available (fees apply)

  • Securities portfolio: available (fees apply)

  • Medical assistance: 24/7 medical support, including doctor call‑outs, medication delivery and ambulance transport.
  • Home technical assistance: 24/7 access to qualified professionals (plumbing, electrical, locksmith services).  First on‑site visit per incident is free.
  • Information services: 24/7 access to medical, sports, weather, travel, traffic and cultural information support lines.
  • Social contribution: Account contributes to the bank’s supported social projects.
  • Digital statements: included

  • Standard fee: €7.90/month + 4% stamp duty

  • Intermediate discounted fee: €5.50/month + 4% stamp duty

  • Maximum discounted fee: €4.50/month + 4% stamp duty

Discount depends on:

  • Salary domiciliation (≥ €670) or pension (≥ €420)

  • Monthly card purchases ≥ €500 (maximum bonus) or ≥ €250 (intermediate bonus)

  • Digital statements

  • At least two monthly household bill payments made by Direct Debit

Card purchase analysis is based on the previous calendar month.

With a 100% Account, you can support one of these causes backed by novobanco at no extra cost.

Reforestation and ecological recovery, including efforts in Leiria’s forest.

Photography‑based education programme for young people in secure educational centres.

Supports young adults with developmental or intellectual disabilities through certified training and employability pathways.

Open Account

Open your account securely in minutes using your Carta Móvel Digital and a quick video identification.

4 steps to open your account

How it works?

1

Validation

Confirm your contact details and pre‑contractual information

2

Data submission

Upload identification documents or authenticate with Carta Móvel Digital

3

Video verification

Record a short video for identity confirmation

4

Digital signature

Sign digitally and your account is ready

Let's open your account?

Choose how to open the account

Online

Open your account simply and securely

In person

Find the nearest Branch

*By clicking this button, you will be redirected to a Portuguese-language page. To find your preferred Branch, please search by Branch name or location.

Clique nos documentos que pretende descarregar
Standardised Information Sheet (FIN) Standardised Information Sheet (FIN)
Depositor Information Form (FID) Depositor Information Form (FID)
General account opening conditions General account opening conditions
Fee Information Document Fee Information Document

Frequently asked questions

You can open this account if you are 18 or over, whether you live in Portugal or abroad.

Yes, the service is available for this card, and transfers made with MB WAY in our App are free. The creation of virtual cards linked to this card is available.


A contactless debit card linked to a current account, usable in ATMs, POS terminals and online, in Portugal and abroad.

It works as an authorised overdraft linked to your monthly salary. Once your salary is deposited in the account, you have access to a pre‑approved credit limit that you can use whenever needed, paying interest only on the amount used. If you don’t use it, you pay nothing.

Open your account online

Open your account today using a fast, secure and fully digital process.

(1) 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.


(*) Credit Card Verde: APRC 16.4%, nominal annual rate 13.900%, for a credit limit of €1,500 with repayment over 12 months. 3rd quarter of 2026. Credit card availability fee of €13, plus Stamp Duty. Exemption from the credit card availability fee for first cardholders.

PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal