Skip BreadcrumbHome / Solutions / Cliente Frequente

Cliente Frequente

Integrated solution for
banking products and services.



With the solution Cliente Frequente you will be able to benefit from a number of products and services by paying a single monthly fee (Package-Account maintenance fee).

Who is Cliente Frequente benefits more!

Fees and Commissions

Subscribing to the Frequent Client Solution implies paying a monthly fee:

  • 5€/ per month provided that the 1st account holder meets the following conditions
    • Regularly receives a 750€ or higher wage or pension and has monthly charges of 150€ or more in purchases (at POS) with the debit and/or credit cards associated with the current account and join the digital document service
  • 6€/ per month provided that the 1st account holder meets one of the following conditions
    • Regularly receives a 750€ or higher wage or pension and join the digital document service, or
    • Has financial assets with Millennium bcp amounting to 7,500€ or more and join the digital document service. Financial Assets: monthly average of the financial assets of the 1st holder (except for insurances: balance at the end of the month) and does not include the balance of the current account or companies insurances.

All the fees indicated are subject to Stamp Tax as per the legal rates in effect.

If new customer the minimum account opening amount is 250€.


Current Account - 14.6% TAEG

By subscribing the Cliente Frequente Solution, the associated account will be exempt from maintenance fees of up to 5.20 €/month.

Access to an overdraft facility up to € 250: € 7.26 of interest plus € 0.30 of stamp tax and € 1.05 of stamp tax for using an overdraft amounting to € 250 for a period of 90 days (11.600% TAN - Nominal Annual Rate, 14.6% TAEG - Global Annual Effective Rate). Subject to credit assessment.

The overdraft facility requires the subscription by the holders of the respective contract in a separate document, entered into exclusively for that purpose.

Credit and MB WAY Transfers

Exemption from payment of commissions on Credit Transfers and MB WAY carried out on the Millennium App:

  • In SEPA + Credit Transfers and SEPA + Standing Order, in Euros (non-urgent), destined for countries adhering to SEPA (27 EU countries, the three three from the EEA (European Economic Area) outside the European Union - Iceland, Norway and Liechtenstein - plus Switzerland, Monaco, S. Marino, Andorra, Vatican and United Kingdom) or Currencies covered by Regulation (EC) No. 924/2009 (Euros, Swedish Krona and Romanian Leu) as long as ordered with indication the NIB, or the IBAN (depending on the transfer order reception channel), and carried out using automatic channels (ATM, Millennium bcp internal self-banking machines, automated telephone service (VRS), Millennium App and at www, by debit of the adherent account, in unlimited number, subject to the specific limits of each channel and up to a maximum value of € 99,999.99 per transaction (or equivalent if in Swedish Krona or Romanian Leu). It corresponds to a value of € 1.10 per transfer.
  • Exemption from payment of MB WAY Transfer fees made on the Millennium App, in the amount of 0.1% or 0.2% of the transfer amount, depending on ordered from a debit or credit card respectively, even for operations over €30 or a total of €150 or 25 transfers per month.

Exemption from the payment of requisition and delivery expenses of up to 1 group of 5 crossed non-endorsable cheques, per month, through the Self-Banking of Millennium bcp, corresponding to the value of € 7.25 per group.

Each cheque issued is subject to stamp tax, in the amount of 5 cents.

Subject to credit decision.

Debit Card

Includes 2 Visa Débito cards, free of annual fees amounting to € 23 /each for two Holders of the Associated Account.

Credit Card - 12.6% TAEG

Includes 2 credit cards Classic, free from annual fees, in the amount of € 10 each plus stamp tax: 12.6% TAEG (Global Annual Effective Rate) and 10.500% TAN (Nominal Annual Rate) for a 1,500 € credit paid over 12 equal monthly repayments, plus interests and expenses.

Subject to credit decision.

Home Medical Emergency Insurance

It includes a Home Medical Emergency Insurance that covers the holder, spouse or equivalent, and economically dependent children that live at the same address and in Portugal, are single and under 24 year old). This insurance covers, in case of medical emergency, home medical services, of which we point out the medical house call, transportation by an ambulance and the baby-sitting service, among other. Use requires a co-payment of 10 € per visit and can be requested through the phone number 210 347 933 (working days from 20h to 7h; non-working days, 24h).

Family Civil Liability Insurance

It includes a Family Civil Liability Insurance that also covers your family (spouse or equivalent and economically dependent children that live at the same address and in Portugal, are single and under 24 year old). In damages caused to third parties within the scope of their private life, this insurance, guarantees a maximum capital per annuity of € 150,000, with a sub-limit of € 25,000 per injured person.

Insurance Discounts
  • Personal Accidents: (except Travel Protection - Day-to-Day Option): Exemption from the 12th monthly fee (1st year) + Home Medical Assistance Pack (1 year of use)².
  • Médis and Médis Dental Health Insurance: Exemption from the 12th and 24th monthly fee.
  • Homin: Exemption from the 12th monthly fee and the 1st annuity from the "Domestic Emergency" coverage.
  • Yolo: Exemption from 12th and 24th monthly fees.

How to subscribe

Submit here your subscription request or go to a Millennium bcp Branch.

For further information, please 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.

The acceptance of this subscription depends on the observance of the subscription criteria defined for each Solution.​

Top searches

Médis Health InsuranceMédis Health Insurance
Personal Health Service with a Plan that matches your needs.
Buy safelyBuy safely
Learn more.

You might be interested

E-StatementIt’s time to turn over a new leaf
Subscribe to the E-Statement.
Cash Advance
Has an unexpected expense come up?
Make your daily life easier.

Not a registered user yet?

General Conditions  - Family Civil Liability Insurance 

General Conditions - Medical Emergency Assistance at Home Insurance 

Meeting Point 

Banco Mail 

More contacts