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Golden Key account

For €15/month + stamp tax(1 ) of package account maintenance commission, enjoy all the additional products and services that this package account offers.




18 years and above

Subscribe minimum

Subscribe minimum


Where to subscribe

Where to subscribe


Best offers

  • Dedicated manager

    On opening an Golden Key Account, you have access to a dedicated manager who can find the best solutions to plan your future and manage your day-to-day financial affairs.

    Always attentive to the best opportunities, your manager is able to foresee competitive solutions, adjusted to the life and objectives of clients. He or she is always available by phone or email. Relationship Manager always available by telephone or e-mail and ready to assist you in English, French or Chinese.

  • Debit card

    No annual fee for the card holder and additional holder of NB Debit card

  • Gold credit card

    Gold credit card free-of-charge(2)

  • Cheque book

    One free cheque book (20 cheques)

  • Direct channels transactions

    Direct channels transactions (internet and telephone banking) - free of charge for most operations.

  • Term deposits

    Term deposits offered in EUR, GBP, SEK, NOK, DKK at competitive interest rates and exchange rates.

  • International transfers

    Free international transfers, using direct channels.

(*) NB Gold Credit Card is subject approval. 15.7% EAPR (effective OCT), 11,200% NAPR (Nominal OCT) for a €1.750 12 months loan. 1st quarter 2022. Commission for providing a credit card of €30, to which stamp duty is added.

Mortgage loans

novobanco provides mortgage loans secured on the property being acquired in Portugal:

Loan term of 30 years

Loan term of 30 years

There is a maximum loan term of 30 years.

Special conditions

Special conditions

If the property is owned by novobanco or one of its partners

Minimum amount

Minimum amount

The borrower cannot be over 75 years at the end of the loan term

life insurance

Not mandatory

Health benefits

  • Insurance

    Health Insurance (Tranquilidade Insurance Company).

Health benefits across the entire Luz Saúde hospital network*

  • Check up

    20% discount on check-up

  • Admission

    15% discount on the daily cost of admission from the 45th day

  • Health expenses

    10% discount on expenses not covered by health insurance and on amounts exceeding the ceiling (for those who have health insurance, excluding consumables, pharmaceuticals, blood and its use)

  • Customer service

    Individual customer service in English and French at Hospital da Luz Lisbon, Hospital da Luz Oeiras Clinic and Hospital da Luz Arrábida (on request at each unit)

(*) Conditions valid at all units of Hospital da Luz Póvoa de Varzim, Hospital da Luz Amarante Clinic, Hospital da Luz Cerveira Clinic, Hospital da Luz Porto Clinic, Hospital da Luz Arrábida, Hospital da Luz Aveiro, Hospital da Luz Lisbon, Hospital da Luz Oeiras Clinic, Hospital da Luz Amadora Clinic, Hospital Da Luz Setúbal and Hospital da Misericórdia Évora.

Special conditions at the hospitals of the HPA Group (Algarve Private Hospitals)*

  • Consumables

    15% discount on the HPA price list with the exception of consumables and pharmaceuticals

  • Check ups

    30% discount for check-ups, with the exception of the Premium Check-Up, where the applicable discount is 10%

  • General and family appointments

    50% discount on general and family appointments, once a year, with a doctor who speaks the beneficiaries' native language

  • Dental Check ups

    The Smile+ Program, with no-costs for the initial medical assessment appointment, a panoramic radiograph and preparation of a treatment plan

  • Extra services

    30% discount on our ambulance service



  • Turism

    15% discount on the Health Tourism service

(*) Conditions valid at: Algarve-Alvor Private Hospital, Algarve Private Hospital - Gambelas, Hospital of St. Camillus - Portimão; and the following clinics: Vila Real de Santo António International Medical Centre, Medchique Clinic - Monchique, Algarve Private Clinic - AlgarveShopping/Guide, Vilamoura Private Clinic, SIIPEMOR Clinic - São Brás de Alportel and CLÍDIS - Sines Diagnostic Clinic (Sines/Odemira/Vila Nova de Milfontes/Santiago do Cacém/Beja).

Medical and Technical accommodation assistance services

  • Home medical assistance services (Portugal)

    As an NB Golden Key account holder you can benefit, at any time, from medical assistance services at your home, such as a doctor's visit if you or a family member are ill , and you only pay the cost of the appointment. The call-out charge is paid by NOVO BANCO. You can also get medicines sent to you, among other complementary services.
    Just call 800 202 271.

  • Home technical assistance services (Portugal)

    As an NB Golden Key Account holder you have access at any time to home technical assistance, to send professionals (for plumbing, electricity, home appliances, decorating and carpentry services), with free call-out and up to 1 hour free labour on the first occurrence per year. Just call 800 202 271.
    Just call 800 202 271.

Accomodation benefits in Portugal

  • Alojamentos

    For you to get to know the country from North to South, we offer preferential conditions at several hotel chains in Portugal.

    At all Vila Galé hotels, you can benefit from a 10% discount on the published price online at

Condições válidas em Portugal: em Tavira, Vila Galé Albacora e Vila Galé Tavira; em Vilamoura, Vila Galé Ampalius; em Albufeira, Vila Galé Atlântico; em Cascais, Vila Galé Cascais; em Albufeira, Vila Galé Cerro Alagoa, em Beja, Vila Galé Clube de Campo; em Coimbra, Vila Galé Coimbra; em Lamego, Vila Galé Douro; na Ericeira, Vila Galé Ericeira; no Estoril, Vila Galé Estoril; em Évora, Vila Galé Évora; em Lagos, Vila Galé Lagos; em Vilamoura, Vila Galé Marina; em Armação De Pêra, Vila Galé Náutico; em Lisboa, Vila Galé Ópera; no Porto, Vila Galé Porto; na Galé, Vila Galé Praia; em Santa Cruz, Vila Galé Santa Cruz e; em Paço De Arcos, Collection Palácio Dos Arcos. No Brasil: em Camaçari, Vila Galé Marés; em Caucaia, Vila Galé Cumbuco; em Angra dos Reis, Vila Galé Eco Resort de Angra; em Vila Suape, Vila Galé Eco Resort do Cabo; em Fortaleza Ceará, Vila Galé Fortaleza; no Rio de Janeiro, Vila Galé Rio de Janeiro; e em Ondina, Vila Galé Salvador

Benefits at Golf Courses

  • Campos de Golf

    At various golf courses, you can benefit from preferential conditions, such as:
    a) 30% discount on the counter price of green fees, which can be extended to beneficiaries' companions, up to a maximum of 3 people;
    b) 10% discount on the counter price at restaurants (with the exception of the Beloura restaurant in Sintra).



Conditions valid at: Gramacho and Vale da Pinta in Lagoa, Silves Golf in Silves, Alto Golf in Alvor and Vila Sol in Quarteira; at Beloura in Sintra.

Other Advantages

  • Security

    With ESEGUR you can have access to services in the security area, under special market conditions, such as intrusion detection systems with connection to the ESEGUR central, key guard, human surveillance and transport of values.

  • Property Management

    With Loja do Condomínio you can access services in the area of ​​property management, under special market conditions: key guard, regular house check, administrative management, supplier management, home doctor, LDC24 and maintenance.

Moving to Portugal

Salut. Hello. Olá Portugal!

Check out the website that speaks the same language of the new residents.

Salut. Hello. Olá Portugal!

Check out the website that speaks the same language of the new residents.


Ficha de Informação Normalizada (FIN) Ficha de Informação Normalizada (FIN)
Formulário de Informação ao Depositante (FID) Formulário de Informação ao Depositante (FID)
Documento de Informação sobre Comissões (DIC) Documento de Informação sobre Comissões (DIC)
Condições gerais para abertura conta Condições gerais para abertura conta
Formulaire D'information du Dèposant Formulaire D'information du Dèposant
Depositor Information Form Depositor Information Form

Links úteis

Fundo de Garantia de Depósitos: missão e funções.

Saiba Mais

Fundo de Garantia de Depósitos: missão e funções.

(1) Bundled account maintenance fee of €15.00/month | €180.00/year + stamp duty. Monthly billing according to the Account's anniversary date.

(3) Example, 1st quarter 2024 18.5% APR, 16.400% NAR, for a credit limit of €1,500 and agreed term of 3 months (renewable), assuming full use of credit limit during the 3 months.