- Online analysis of the request. If it is approved, the agreement is made online and the amount requested is credited into the current account. Valid for Clients with a risk profile matching the product;
- You can choose the duration that suits you best, from 12 to 60 months;
- No Payment Processing Fees.
Exclusively available on digital channels. Subject to credit assessment.
Fees and Comissions
- 7.900% Fixed Nominal Rate;
- 11.2% TAEG (annual effective interest rate) and 7.900% TAN (annual nominal rate), with monthly instalments of 61.14 € for a simulation of a 3,000 € loan with an 60-month term. Total amount charged to the consumer: 3,834.00 €, including interests, Stamp Tax for the use of the loan and Stamp Tax on interests. Subject to credit risk assessment.
Credit is granted subject to Banco de Portugal’s macro-prudential rules.
Early Repayment Fee (total or partial) of 0.25% or 0.5% of the capital redeemed early (if there is one year left or less for the end of the term set forth in the contract or if there is more than one year left for the end of the term set forth in the contract, respectively).
After the credit agreement is signed, if you so desire, you may revoke the agreement within 14 calendar days, without the need for justification, under the terms of article 17 of Decree-Law no. 133/2009 of 2 June.
To do so, just contact us through BancoMail, call 707 50 24 24 (personal assistance 24/7) or go to one of our Branches. Calls to 707 50 24 24 are charged at a maximum of 0.10€ per minute if using a land line; if you call this number using a mobile network the maximum charge per minute will be 0.25 €. These charges are subject to VAT.
- Fixed Interest rate: 7.900%;
- Term: from 12 to 60 months;
- Amount between €1,000 and €15,000;
- Online analysis of the request. If it is approved, the agreement is made online and the amount requested is credited into the current account. Valid for Clients with a risk profile matching the product. Subject to credit assessment.
The effective granting of the credit operations herein presented depends on the prior appraisal and decision on the credit risk and on the eventual provision of valid collaterals required by the Bank.
How to subscribe
Go here to request your Crédito Pessoal Online and just:
- Make a simulation;
- Click on Apply for loan;
- Carefully read and confirm that you read and accept the Standardised Information Form pertaining to this product;
- Fill in the Additional Data if requested;
- Carefully read and confirm that you read and accept the Loan Agreement;
- Confirm that you wish to request the loan.