Conta 26.31 - 26.31 Account
Open your account in 15 minutes for €0!
- From €0 in account maintenance fees
- €0 on MB WAY transfers
- Cartão Débito - Debit Card and Cartão de Crédito Verde – Credit Card Verde included
26.31 Account
From €0 (1) for the packaged account maintenance fee. Enjoy all the products and services included with this packaged account.
Conditions
Age
From 26 to 31
Minimum opening deposit
€50
How to open
Online or at a Branch
Key benefits
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Cashback included with your packaged accountDiscover exclusive offers from well- known brands on the app and on novobanco Online. Pay with any novobanco card. Debit, credit or prepaid. Get part of your spend back. No vouchers and no hassle
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€0 MB WAY transactions and everyday banking essentialsFree MB WAY transactions on our app. Free everyday operations for the first account holder, such as instant transfers and occasional, non- urgent SEPA+ credit transfers, bill payments, mobile top-ups and more, via novobanco Online or the App
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Costs from €0
No account maintenance fee, as long as you meet the conditions described in (1)
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Cards includedFree issue of a Debit Card and Credit Card Verde for the cardholder
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Salary advance
Free access to Salary Overdraft Solution. Get an advance on your salary whenever you need it
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Free app to manage your money
Use the app to set saving goals, organise your spending and much more
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A more sustainable accountThis 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.
About the account
- Account type: Packaged account
- Currency: Euro
- Age: From 26 to 31
- Country of residence: Residents and non- residents
- Minimum opening amount: €50
- Specific opening condition: Age of the 1st account holder
- Access to Service 360: Dedicated relationship manager. Yes. See conditions here.
- Everyday Account: Yes
- Savings Account: No
- Debit Card: Free issue of the contactless debit card for the cardholder
- Credit Card Verde: Free issue of the contactless Cartão Verde for the cardholder
- Salary Overdarft Solution: Yes, with an active salary paid in
- Account maintenance. Included at no extra cost
- Salary paid in. Included at no extra cost. After request
- Direct debits for regular bills. Included at no extra cost
- Access to novobanco Online. App and website. Included at no extra cost
- Domestic interbank transfers. Included at no extra cost via novobanco Online and the app
- Create virtual cards. Included at no extra cost
- MB WAY sign up and use. Included at no extra cost in the novobanco app
- Fund subscriptions. Included at no extra cost
- Stock market orders and trades. Included, with charges applicable
- Standing orders. Included at no extra cost when set up via Online Banking
- Card replacement. Included at no cost in case of defect or malfunction. Charges apply in case of loss or misuse
- Credit operations. Included. Charges may apply depending on the product
- Instant transfers on novobanco digital channels. Charges apply. From 09/01/2025, instant transfers become free in the App and on novobanco Online
- Occasional, non- urgent SEPA+ credit transfers. Included at no extra cost via novobanco Online or the app
- Foreign currency order. Included, with charges applicable
- Incoming transfers from abroad. Included, with charges applicable
- International ATM withdrawals. Included, with charges applicable
- International POS payments. Included, with charges applicable
- Interbank exchange rate. Included, with charges applicable
- Deposit Guarantee. Scheme up to €100,000. Included
- Discount on insurance subscriptions. Not included
- Cheque book. Not included
- Securities account. Included, with charges applicable
- Safe deposit box rental. Not included Not included
- Medical assistance. Not included
- Technical assistance. Not included
- Information services. Not included
- Social or sustainability contribution. Included. Contribution to emissions offsetting
- Digital statements. Included
Account maintenance fee without any discount. €5.00 per month plus Stamp Duty, which may be:
€0.00 per month, corresponding to the maximum discounted maintenance fee, if you meet all of these conditions:
• Digital account statements, and
• Card purchases. Debit or credit. At least €250 per month*, and
• Salary paid in of at least €670, or pension paid in of at least €420
€1.75 per month plus 4% Stamp Duty. Equivalent to €1.82 per month and €21.84 per year. This is the intermediate discounted maintenance fee, if you meet all of these conditions:
• Digital account statements, and
• At least one of the following:
• Card purchases. Debit or credit. At least €250 per month*
• Salary paid in of at least €670, or pension paid in of at least €420
The account maintenance fee is charged in arrears.
* Card purchases are assessed based on the previous calendar month.
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Zero CO2 emissions
novobanco calculates each year the CO2 emissions associated with 26.31. Account, resulting for example from computer use, paper used during account opening, ATM use and cards, among others. To offset these emissions, greenhouse gas emissions are calculated across the full life cycle of this bank account, from opening to closure, following PAS 2050:2008.
26.31 Account offsets unavoidable emissions by supporting the Soil & More project since 2019. This is a green waste composting project in South Africa. It reduces carbon emissions and also delivers social and economic benefits for local communities and sustainable development.
- Open your account online
Open an account
Online account opening is 100% safe, digital, fast and easy. With Chave Móve Digital and a quick video selfie to confirm your identity, you can open your account in minutes and start enjoying novobanco exclusive benefits right away.
How it works
Validation
Validate your contact details and review the pre contractual information
Details
Share your details with us. Authenticate using your identification document or Chave Móvel Digital for Portuguese citizens. Check the required documents for Portuguese citizens
Video selfie
Record a video selfie so we can verify your identity
Signature
Sign your account opening agreement digitally and you are all set
Ready to open your account now?
Online
In person
Click on the documents you would like to download
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Frequently asked questions
This account is for personal customers, residents and non residents, aged between 26 and 31.
A packaged account brings together a set of products and services, such as cards and online banking operations, which would cost more if used separately.
It is a reloadable debit card that lets you make payments, withdraw cash and top- ups, with daily transaction limits.
Yes. However, product benefits apply only to the first account holder. For example, the debit card for a second account holder is charged.
It works like a salary account. Your salary is paid into your account every month by your employer. In return, the bank grants you an authorised overdraft that can be up to 100% of your salary.
This is a credit facility that is made available in your account and is always there if you need it, subject to the applicable fees and interest when used.
There are no sign up or maintenance fees. If you do not use any amount, nothing is charged.
OPEN YOUR ACCOUNT ONLINE
Open your account today, quickly and simply.
(1) 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.
(*) 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.
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