Conta 18.25 - 18.25 Account
Open your account online for 0€
No maintenance fee. Free debit card included.
An app to manage your spending and savings.
Everyday banking essentials included at 0€.
Are you 18 to 25? This account is for you
If you are 18 to 25, this is a great account for day to day banking. Pay 0€ in monthly maintenance fees and enjoy the benefits whether you are studying or working. Open your account online in around 15 minutes.
What you need to open 18.25 Account
Age
Be between 18 and 25
Minimum opening deposit
Make your first deposit of at least 50€
How to open
Start your online application anytime, anywhere, or visit a Branch near you
Why this account is a good fit
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Cashback included in your account packageFind exclusive offers in the app and on novobanco Online. Pay with any novobanco card, debit, credit or prepaid, and get part of the value back. No coupons. No hassle
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MB WAY transfers and everyday essentials at 0€Free MB WAY transfers in our app. Everyday essentials are included for the first account holder, such as instant transfers and SEPA+ credit transfers that are occasional and non urgent, service payments, mobile top-ups and more. Use novobanco Online or the App
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Cost from 0€
No account maintenance fee
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2 cards includedFree debit card and free prepaid card for the account holder
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Salary advanceFree access to Personal Overdraft Solution. Get an advance on your salary when you need it
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Free app to manage your money
Start straight away. Set savings goals and keep your spending organised
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An eco-friendly account
This account offsets CO2 emissions by supporting the Soil & More project
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.
- Open an account online
Open an account
Opening an account online is safe, fully digital, quick and easy. With Chave Móvel Digital and a quick video selfie to confirm your identity, you can open your account in minutes and start enjoying novobanco benefits.
How it works
Validation
Confirm your contact details and check the pre contractual information
Details
Share your details with us. Authenticate with your ID document or with Chave Móvel Digital if you are a Portuguese citizen. Check the required documents for Portuguese citizens
Video selfie
Record a video selfie so we can confirm your identity
Signature
Sign your account opening contract digitally
Ready to open an account?
Online
In person
*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.
About the account
Account type: Packaged Account.
Currency: Euro.
Age: 18 to 25.
Country of residence: Residents and non- residents.
Minimum opening deposit: 50€.
Specific opening condition: Age.
Service 360 access. Dedicated manager: Yes.
Everyday account: Yes.
Savings account: No.
Debit Card: Free issue for the account holder. Contactless.
Cartão pré pago Tipo - Tipo Prepaid Card: Free issue for the account holder.
Salary Overdraft Solution: Yes, with an active salary payment into the account.
Account maintenance: Included. No extra cost.
Salary payment into the account: Included. No extra cost. After request.
Regular bill payments setup: Included. No extra cost.
Access to novobanco Online: Included. No extra cost.
SEPA+ credit transfer, occasional and non- urgent: Included. No extra cost via Online.
SEPA+ instant transfers: Included. No extra cost.
Create virtual cards: Included. No extra cost.
MB WAY service: Free to sign up and use.
Subscribe to funds: Included. No extra cost.
Stock market orders and trading: Included, with associated costs.
Standing orders: Included. No extra cost if made via Online.
Card replacement: Included and free in case of defect or fault. Costs apply for loss or misuse.
Credit services: Included. Check costs for each specific solution.
SEPA+ credit transfer, occasional and non- urgent: Included. No extra cost via novobanco Online or the app.
Foreign currency request: Included. Costs apply.
Incoming transfers from abroad: Included. Costs apply.
International ATM withdrawals: Included. Costs apply.
International POS payments: Included. Costs apply.
Interbank exchange rate: Included. Costs apply.
Deposit Guarantee Scheme up to 100,000€: Included.
Discounts on insurance subscriptions: Not included.
Chequebook: Not included.
Securities account: Included. Costs apply.
Safe deposit box rental: Not included.
Medical assistance: Not included.
Technical assistance: Not included.
Information services: Not included.
Social or sustainability contribution: Included. Contributes to emissions offsetting.
Digital statements: Included.
- Account package maintenance fee: 0.00€ per month
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Zero CO2 emissions
novobanco measures the CO2 emissions linked to Conta 18.25 – 18.25 Account, for example from computers, paper used during account opening, ATM use and card use. To offset emissions, greenhouse gas emissions were calculated across the full life cycle of this bank account, from opening toclosing, using PAS 2050:2008.
Since 2019, Conta 18.25 – 18.25 Account offsets unavoidable emissions by supporting Soil & More, a green waste composting project in South Africa that reduces carbon emissions and brings social and economic benefits to local communities and sustainable development.
Click on the documents you would like to download.
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Frequently asked questions
Yes, if you are over 18 and you are a resident or non- resident in Portugal.
It is a rechargeable debit card that allows payments, cash withdrawals and top- ups, with daily transaction limits.
Yes. The service is available for this card and MB WAY transfers are free. Virtual cards linked to this card are also available.
It is a card linked to an everyday account, issued under the Multibanco and Visa International networks, with contactless technology. It can be used at ATMs and POS terminals, and online, in Portugal and abroad.
It works like a salary account. Your salary is paid into your account each month by your employer. In return, the bank gives you an authorised overdraft, which can be up to 100% of your salary.
This is a credit amount that is made available in your account, ready to use if needed, subject to fees and interest when used.
There are no sign up or maintenance fees. If you do not use any amount, nothing is charged.
