• 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 the 360 Service (dedicated account manager): Yes

• Current account: Yes
• Savings account: Yes
• Debit Card:

 Free issuance of the contactless Debit Card for the main cardholder and additional cardholder.

• Gold 360° Credit Card:

Free issuance of the contactless Gold 360° Credit Card for the main cardholder and additional cardholder. 
This card offers several advantages, including:

• Fuel station fee waiver. You can refuel and pay with the credit card without the €0.50 commission.

• No commission on foreign purchases, specifically: the foreign currency service fee applied to payments in non‑euro currencies, and the international transaction processing fee.

• Waiver of liability up to €50 for losses related to unauthorised transactions resulting from loss, theft, misplacement, forgery or fraudulent use of the card, except in cases of fraud or negligence by the cardholder.

• Access to the “Utilização Tranquila” or “Utilização Tranquila Plus” services, at an annual cost of €40 or €60 respectively. These services include emergency card replacement abroad, reimbursement of amounts resulting from fraudulent transactions, among others. Upon subscription, the bank also provides a set of insurance coverages and assistance services at no additional cost.

• Tipo Prepaid Card: Free issuance of the “Tipo” prepaid card for the main cardholder and additional cardholder.
• Salary Overdraft Solution: Yes, available with active salary domiciliation.

• 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 App 

• Generation of Virtual Cards: Included at no additional cost 

• MB WAY – enrollment and use: 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. Fees depend on each specific credit solution

• Instant transfers via novobanco digital channels: Fees apply 
  (As of 9 January 2025, instant transfers become free in the App and novobanco Online.)

• SEPA+ Credit Transfers (occasional and non‑urgent): Included at no additional cost via novobanco Online or 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 scheme up to €100,000: Included 
• Insurance Subscription Discounts: 5% to 10% discount on the 2nd and 3rd home, auto or health insurance policies 
  
• Cheque book: Included. First standard cheque module is free 
  
• Securities dossier: Included, with associated fees
• Safe deposit box rental: 25% discount on the rental fee

Medical and technical assistance

Included. Access to home medical assistance (1 free consultation per year) and home technical assistance (1 hour of free labour on the first intervention of the year). Travel costs are always covered by novobanco. 
For full support, call 800 202 271.

Medical advisory service

Included. Access to medical advisory and guidance by video call or teleconsultation, supporting the adoption of health‑improving measures. 
2 free video consultations per year. 
Travel costs covered by novobanco. 
For full support, call 800 202 271.

Technical support services

Included. Access to qualified technicians for equipment troubleshooting (operating systems, applications or hardware). 
Travel costs on first occurrence are covered by novobanco. 
For full support, call 800 202 271.

Event and show cancellation protection

Included. Possibility of reimbursing one event or show ticket per year, up to €120. 
Travel costs covered by novobanco. 
For full support, call 800 202 271.

Social or sustainability contribution

Included. Contribution to supported institutions (consult list).

Digital statements enrollment

Included.

Medical and technical assistance

Included. Access to home medical assistance (1 free consultation per year) and home technical assistance (1 hour of free labour on the first intervention of the year). Travel costs are always covered by novobanco. 
For full support, call 800 202 271.

Medical advisory service

Included. Access to medical advisory and guidance by video call or teleconsultation, supporting the adoption of health‑improving measures. 
2 free video consultations per year. 
Travel costs covered by novobanco. 
For full support, call 800 202 271.

Technical support services

Included. Access to qualified technicians for equipment troubleshooting (operating systems, applications or hardware). 
Travel costs on first occurrence are covered by novobanco. 
For full support, call 800 202 271.

Event and show cancellation protection

Included. Possibility of reimbursing one event or show ticket per year, up to €120. 
Travel costs covered by novobanco. 
For full support, call 800 202 271.

Social or sustainability contribution

Included. Contribution to supported institutions (consult list).

Digital statements enrollment

Included.

Fees and monthly charges

Standard account maintenance fee (without bonus): 
€9.90/month | €118.80/year + 4% Stamp Duty 
(totaling €10.30/month and €123.60/year), which may be reduced to:

€5.50/month + 4% Stamp Duty

(totaling €5.72/month and €68.64/year), corresponding to the maximum maintenance‑fee discount, subject to the following cumulative conditions:

• Average balance of savings and investment solutions equal to or above €35,000, and

• Digital account statements, and

• Verification of one of the following conditions: 

• Salary domiciliation (code 08) of €1,500 or more, or

• Pension domiciliation (code 11) of €500 or more, or

• Card purchases (debit or credit) of €800 or more per month*

€7.50/month + 4% Stamp Duty

(totaling €7.80/month and €93.60/year), corresponding to the intermediate maintenance‑fee discount, subject to the following cumulative conditions:

• Average balance of savings and investment solutions equal to or above €35,000, and

• Digital account statements

The account maintenance fee is charged in arrears.

*Card purchases are calculated based on the civil month prior to fee charging.