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What is a packaged account?
A packaged account is a current account that includes a set of associated products and services which, by being bundled and subscribed together, offer advantageous conditions and a reduced maintenance fee.
What can a packaged account include?
Compare and review the details of each packaged account, as there are differences between them.
| Included products | |
|---|---|
| Current account | A deposit account where funds are always available. |
| Savings account | A deposit account, depending on the account type, where your money is always available and may earn interest. |
| Contactless debit card | One or two free cards, depending on the account. Contactless payments can be made by tapping the card without entering the PIN. |
| Credit card | One or two free cards, with several advantages depending on the account. |
| Prepaid card | One or two free cards, depending on the account. Reloadable cards ideal for online purchases or for children. |
| Personal Overdraft Solution | Authorised overdraft with active salary domiciliation. Subject to approval. |
| Cheque book | Some accounts include the first cheque book free of charge. |
| Included financial services | |
|---|---|
| Account maintenance | The monthly packaged account maintenance fee covers all included products and services. |
| Salary domiciliation | Convenience of having your salary credited directly to your account without transfers. |
| Domiciliation of recurring expenses | Pay recurring expenses automatically via direct debit from your current account. |
| Access to digital channels (App and website) | Manage daily banking, savings, investments, credit requests, transfers and payments directly through the website or App. |
| National interbank transfers | Free when performed online or at an ATM. |
| Virtual cards | Create temporary virtual cards for online purchases via the website or App. |
| MB WAY services through the novobanco App | All services free of charge. |
| Fund subscriptions | Possibility of subscribing to investment funds after opening a securities portfolio. |
| Stock market orders and transactions | Possibility of placing buy and sell orders via online banking (website). |
| Standing orders | Schedule recurring transfers at no cost. |
| Credit operations | Possibility of carrying out credit operations such as Cash Advance, credit payments, personal loans and others. |
| Instant transfers via novobanco digital channels | Free in the App and novobanco Online |
| Included international services | |
|---|---|
| SEPA+ credit transfers (occasional and non‑urgent) | Make and receive euro payments under the same conditions as domestic payments within the EU. |
| Non‑SEPA+ credit transfers | Make international transfers with associated fees. |
| Foreign currency requests | Exchange euros for other currencies (e.g. dollars), with associated fees. |
| Incoming international transfers | Receive transfers from international financial institutions. |
| International ATM withdrawals | Subject to a fee depending on the account. |
| International POS payments | Free of charge with some account types. |
| Included non‑financial services | |
|---|---|
| Home medical assistance | 24‑hour access to doctors who can come to your home whenever needed. Free depending on the account. |
| Home technical assistance | 24‑hour access to qualified technicians who can come to your home whenever needed. Free depending on the account. |
| Technology assistance (exclusive to the 360º Account) | Access to qualified technicians for equipment troubleshooting (operating systems, applications, or hardware). |
| Insurance discounts | Lifetime discounts on health, auto and home insurance premiums, depending on the account. |
PUB | NOVO BANCO S.A. | Registered no. 7 at Banco de Portugal