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Conta Poupança Programada - Scheduled Savings Account

Now you can save the way you want.

Gross Annual Nominal Rate

0,50%

Minimum Opening Amount

10€

Term

3 years

Scheduled Savings Account

Programmed to save. Designed to grow your money.

You can save from €10 up to €2,000, through monthly or one‑off contributions, as you prefer, up to a maximum of €24,000 per year.

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

 

Interest rate3 years

Amounts

Gross Annual Nominal Rate of 0.50%

 

  • 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 contributionsAllowed at any time up to the defined maximum limits. Interest is calculated proportionally according to the interest rate in force 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 • Early withdrawals before maturity imply a full penalty of accrued and unpaid interest for the relevant period on the withdrawn amount

  • No interest will be calculated or paid on the withdrawn amount from: 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

Note: 

  • Interest is calculated on a 360‑day basis

  • No interest rate rounding applies

Scheduled Savings Account

Now you can save the way you want

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