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Conta Poupança Programada Júnior - Junior Scheduled Savings Account

It’s from an early age

that saving begins.

Gross Annual Nominal Rate

0.50%

Minimum Opening Amount

10€

Term

3 years

Junior Scheduled Savings Account

You don’t need much to start saving.

You can save from €10 up to €2,000 through monthly or one‑off contributions, whichever is more convenient for you, up to a maximum of €24,000 per year.

You have full flexibility to change or even cancel contributions at any time, online, at a novobanco branch or via the Linha Direta - Direct Line.

 

Term3 years
Interest rateGross Annual Nominal Rate of 0.50%
EligibilityExclusive to individual customers aged 0 to 12 years
Amounts

  • Minimum contribution/top‑up (monthly): €10.00

  • Maximum cumulative monthly contributions: €2,000.00

  • Maximum cumulative semi‑annual contributions: €12,000.00

  • Maximum cumulative annual contributions: €24,000.00

Additional contributions

  • Allowed at any time, up to the defined maximum limits

  • Interest is calculated proportionally according to the applicable interest rate for the period

FeesNone
Interest payment / redemptions

  • Interest is paid semi‑annually, credited to the savings account

  • At maturity, interest is credited to the associated current account

Early withdrawal

  • Total or partial early withdrawals are allowed at any time

  • Early withdrawals imply a full penalty of accrued and unpaid interest for the relevant period on the withdrawn amount

  • No interest will be calculated or paid on the withdrawn amount from: 

  • the deposit start date, or

  • the last interest payment date, as applicable

  • Interest is calculated based on the daily balance, adjusted for early withdrawals and additional contributions

Taxation28% on earnings
Commercialisation periodCurrently available

Important note: 

  • The interest calculation is based on a 360‑day year

  • No interest rate rounding applies

Junior Scheduled Savings Account

It’s from an early age that saving begins

Documentation

Standardised Information Sheet (FIN)* Standardised Information Sheet (FIN)*

*Scroll down to find the english version

Other savings options

Microsavings
Microsavings

Microsavings

Online subscription 
Save as naturally as you breathe.

Junior Savings Account
Junior Savings Account

Junior Savings Account

Online subscription 
Save for the little ones.

Retiree Savings Account
Retiree Savings Account

Retiree Savings Account

Save for your retirement. 

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