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Vantagem Ordenado

Bringing your salary to Millennium is simple,
fast and has more advantages!



By transferring your salary or your pension, you have access to a set of advantages that make it easier for you to manage your monthly budget:

  • Exemption from the maintenance fee of the current account, meeting the two inherent requirements.
  • Advance payment of up to 100% of your credited salary or pension.
  • Reduction in the price of the Integrated Solutions of Products and Services Millennium GO! and Cliente Frequente (Frequent Client).
  • Availability of Poupança Ordenado (Salary Savings).
  • Salary Protection Plan.

Fees and Commissions

The Salary Advantage or the credit in BCP's account of the salary or retirement do not have any subscription fee or any associated management fee.


Current Account

Exemption of the maintenance fee on the current account (corresponding to a maximum of 5.20€/month, plus stamp duty) on the account where the salary, social security subsidy or retirement/pension is credited, if the following requirements are met:

  • Monthly value ≥750€
  • Monthly invoicing of a value ≥150€ with debit and/or credit card (purchases in Automatic Payment Terminals).

The credit/deposit of the salary/pension will be considered when made by transfer duly coded at origin with the ISO code "SALA", "SSBE" OR "PENS", respectively.

The current account's 1st holder, aged ≤ 23 years, is exempt from paying the current account maintenance fee.

Note: purchases made with debit and/or credit cards associated with the current account will be considered, with the exception of Sodexo Refeição Pass cards. Payments of services/purchases with entity and reference, payments to the State and Social Security, Via Verde, tolls and other low-value payments are not considered as purchases.

Credit Salary Advantage - 12.8% TAEG

Advance, on the first day of each month, of up to 100% of your salary or pension received in your Millennium bcp account.

For an amount of 1,500€ for 90 days at a 11.600% TAN (Annual Nominal Rate), the interests will amount to 43.50€ plus 1.74€ of stamp tax, corresponding to a 12.8% TAEG (Global Annual Effective Rate). Exemption of tax stamp for the use of the credit up to the amount of the monthly wage credited in your account. Subject to credit assessmen.

The transfer of the salary does not imply or assume the subscription of any overdraft facility or of any similar credit operation.

  • The maximum amount of the Credit Salary Advantage will be, on the 1st of each month, equal to the monthly average of the amounts credited to the Current Account, in the two preceding months, as wage/pension.
  • If, in the month immediately preceding, there is no credit for any amounts in the form of wage/pension, the maximum amount of the Credit Salary Advantage will be 75% of the amount determined in accordance with the provisions set forth above;
  • If, during 2 consecutive months, the processing of properly coded transfers of wages/pensions is not verified, no credit captive is generated, so you will not have access to salary/pension advance.

Subject to credit assessment.

Poupança Ordenado

And because it is important to save to unexpected events that may occur in your life, from 25€ per month you can start the Poupança Ordenado.

Discounts on Solutions Millennium Go! and Cliente Frequente

Millennium GO!

Integrated solution of Banking Products and Services for young people aged 18 to 30 years old, with a monthly package account maintenance fee of 1€, with transferring of salary or retirement of ≥500€ and subscription of the Digital Bank Statement. Otherwise, the monthly package account maintenance fee is 3.5€.

Cliente Frequente

Integrated Solution of Banking Products and Services with reduced monthly package account maintenance fee:


Account Maintenance Fee Monthly Package Criterion
4.5€ ​/ month If, in addition to the transferring of the salary/retirement/pension of a monthly value ≥500€, purchases are made with debit and/or credit cards, associated to the current account, of a monthly value ≥150€.
6€ / month Only the transferring/crediting of salary/retirement/pension of monthly value ≥500€.

Without the transferring/crediting of salary/retirement/pension, the monthly package account maintenance fee is 8€.
Plus Stamp Tax.

Customers who subscribe to the Solution on the website until 30 June 2021 will also benefit from a 1€ monthly package account maintenance fee for 3 months.

Salary Protection Insurance Plan

An insurance that gives you an increased financial comfort and well-being in your most difficult times, such as the loss of the remuneration framed within the foreseen situations covered.


  • Absolute Temporary disability for work due to Illness or Accident;
  • Involuntary unemployment;
  • Death or Permanent disability for work due to Accident.


  • Payment until 6 months per incident for the covers Absolute Temporary disability for work due to Illness or Accident and Involuntary unemployment, of 30% of net salary with a maximum of€700 per month (accrues to the Social Security payments);
  • In case of Death or Permanent disability for work due to Accident, indemnity payment corresponding to 12 times the monthly net salary.

A premium adapted to your remuneration

The Insurance Premium is paid every month and is computed based on the net remuneration credited in the current account.

Example:€10.98/per month for a Client with a monthly wage of€600.€5.38 (cost of the policy including legal charges) will be added to the first payment.

This information does not dispense with the reading of the legally required pre-contractual and contractual information.

How to apply

How do I transfer my salary to Millennium bcp?

To transfer your salary, pension or retirement, you must provide your employer with the IBAN of your current account. Choose the most convenient option for you:

  • You can obtain proof of the IBAN of your current account with your name here.

For further information please go to a Millennium bcp Branch or call 91 827 24 24 | 93 522 24 24 | 96 599 24 24 | +351 21 005 24 24 (from Portugal or abroad) (Personal Assistance 24/7).

The cost of the calls depends on the specific prices agreed by you with your telecommunication operator.​​

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