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Vantagem Ordenado

Here I can achieve more, with my salary.


If you receive your wage amounting to 500 € or more through Millennium bcp, you will have access to a set of advantages that will help you manage your monthly budget.
Transfer your salary to Millennium bcp and learn how it can get into your account with many advantages in tow!

Fees and Commissions

The product Vantagem Ordenado does not have subscription costs and no related management fee.


Current Account

Access to the exemption from the current account maintenance fee (exemption corresponding to a maximum value of 5.2 €/month, plus Stamp tax) in the current account where you receive your wage, social security benefits or your retirement pension (by means of a banking transfer duly codified at origin with ISO code "SALA", " SSBE" or "PENS" respectively), in a monthly amount equal to 500 € or more and if you comply with the following debit and/or credit card transactions requisites:

Young People aged 24-30 years old

Monthly invoicing equal to 50 € or more in debit and/or credit cards (purchases using POS). 

Customers under 23 years old are exempt from the maintenance fee.

Clients over 30 years old

Monthly invoicing equal to 150 € or more in debit and/or credit cards (purchases using POS).

Note: purchases made with debit and / or credit cards associated with the current account will be considered, with the exception of prepaid meal card Sodexo Refeição Pass. Payments for 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.
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.

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 subscribe

Salary Advantage

To receive your salary in an account opened with Millennium bcp all you have to do is give your BIN to your employer. For that purpose, you can print and fill in the Request for the credit of salary/ remuneration and deliver it to your employer. The credit of your salary in your account must be made by bank transfer.

For further information please go to a Millennium bcp Branch or call 707 50 24 24 (Personal Assistance 24/7).

* Calls using a landline are charged at a maximum of 0.10€ per minute, plus VAT; if you use a mobile network the maximum charge per minute will be 0.25€, plus VAT.

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