Vantagem profissão
Receive more than just a salary
Your profession gives you access to advantages by transferring your salary and requesting the activation of the Vantagem Profissão (Profession Advantage)
Receive more than just a salary
Your profession gives you access to advantages by transferring your salary and requesting the activation of the Vantagem Profissão (Profession Advantage)
KNOW EVERYTHING YOU CAN ACCESS
Subscribe to an Integrated banking products and services solution, for your private account and for your business account at a reduced price on the monthly package account maintenance fee
Get discounts on executive and specialized training courses in Management, Marketing and Digital Transformation areas, as well as preferential conditions in Crédito Formação (Training Credit)
Get discounts on Insurance subscription: Médis and Médis Dental (Health), Homin (Home Multi-risk), Yolo! (Life risk) and Móbis (Car)
Not yet a Customer? Open an account in the Millennium App using the Digital Mobile Key with a minimum amount of 250€, have your salary deposited, and receive an additional 100€on a credit card. In total, you can receive up to 500€on a credit card.
This campaign is valid from 16/10/2024 to 15/01/2025
WHAT ARE THE ADVANTAGES
INTEGRATED SOLUTIONS OF BANKING PRODUCTS AND SERVICES
Individual Customers
Choose the solution that best suits your profile and get a reduction in the monthly package account maintenance fee.
Exempt
(€5.20/month)
2 Classic - TAEG 15.2%
Exempt - (€10/year/card)
2 Debit Visa
Exempt - (€23/year/card)
Exempt
(€1.10/transfer)
Exempt on the amounts exceeding the maximum limits defined by law for exemption
(0.1% or 0.2% of the transfer amount)
✓ Home Medical Emergency Assistance
✓ Family Civil Liability
Do you have childrens on university? See the ongoing campaign for them here.
Exempt
(€5.20/month)
1 or 2 Gold Prestige TAEG 17.6%
Exempt - (€50/year/card)
1 or 2 Prestige Debit
Exempt - (€23.5/year/card)
Exempt
(€1.10/transfer)
Exempt on the amounts exceeding the maximum limits defined by law for exemption
(0.1% or 0.2% on the transfer amount)
✓ Gadget Theft
✓ Multi-risk IT Electronic Equipment Insurance
Do you have childrens on university? See the ongoing campaign for them here.
Exempt
(€5.20/month)
2 Gold Prestige TAEG 17.6%
Exempt - (€50/year/card)
2 Prestige Debit
Exempt - (€23.5/year/card)
Exempt
(€1.10/transfer)
Exempt on the amounts exceeding the maximum limits defined by law for exemption
(0.1% or 0.2% on the transfer amount)
✓ Home Medical Emergency Assistance
✓ Family Civil Liability
✓ Laptop Theft
✓ Multi-risk IT Electronic Equipment Insurance
Do you have childrens on university? See the ongoing campaign for them here.
Exempt
(€5.20/month)
1 Travel Card
Exempt - (€26/year/card)
The Travel card allows purchases / payments made abroad, free of charge, whatever the destination.
1 GO! TAEG 13.8%
Exempt
1 Youth Debit Visa
Exempt – (14.10€/year from 18 to 30 years old and 24.44€/year over 30 years old)
Exempt
(€1.10/transfer)
Exempt on the amounts exceeding the maximum limits defined by law for exemption
(0.1% or 0.2% on the transfer amount)
✓ Family Civil Liability
✓ Robbery
MÉDIS (OPTIONS 1 2 3, VINTAGE/VINTAGE PLUS)
Exemption of the 12th and 24th monthly payments.
MÓBIS (CAR INSURANCE)
10% discount on the premium, for the entire duration of the insurance contract.
YOLO! INSURANCE (LIFE)
10% discount on the premium, for the entire duration of the insurance contract.
HOMIN (MULTIRRISCOS HABITAÇÃO)
10% discount on the premium, for the entire duration of the insurance contract.
Get insured at Millennium.
Discounts apply to the total premium payable, without the cost of policy issuance and documentation.
Conditions valid for new policies taken until December 31, 2024.
Advertisement. This information does not dispense with the reading of the legally required pre-contractual and contractual information.
YOU WANT TO KNOW IF YOU ARE ELIGIBLE AND SUBSCRIBE?
Contact the Bank via e-mail vantagem.profissao@millenniumbcp.pt
Open a 100% online account, if you are not Customer already, with a minimum deposit or transfer of €250
Ask for the advantage to be activated
Transfer the salary
ACCOUNT OPENING
THE MOST FREQUENT QUESTIONS
To ensure eligibility for the Vantagem Formação you must:
The advantages inherent to the Vantagem Profissão are granted for an indefinite period of time and for as long as the eligibility conditions and the protocol relationship between Millennium bcp and the Registered Entity are met.
Yes. Vantagem Profissão also provides access to preferential conditions in Personal Credit solutions.
With the Vantagem Profissão active and assuming that you meet the involvement requirements for access to the reduced price list of the chosen integrated banking products and services solution, the protocol price will be ensured in the monthly package account maintenance fee for the following month.
Having the Vantagem Profissão active, you will have immediate access to the protocol conditions. You can request an adjusted simulation from your Branch.
Request the necessary clarifications through the e-mail vantagem.profissao@millenniumbcp.pt.
The account opening is subject to the Customer Acceptance Policy. Minimum account opening amount €250. Account maintenance fee: €5.20/month (plus Stamp Tax).
Mortgage Loan Representative Examples
MORTGAGE LOAN SOLUTIONS – ACQUISITION/CONSTRUCTION Example for a 30-year-old consumer: Financing of €100,000, with mortgage; valuation value €150,000 euros; LTV 67%; term of 30 years. Product Indexed Instalment, purpose Purchase. Contract expenses €495.62; Stamp Tax on the credit use €600; Multi-risk Insurance Premium, with monthly payments of €17.63.
TAEG without optional associated sales 4.8% - Variable TAN (APR) of 4.006% (Euribor 12 months of November, 2024 of 2.506% and base spread of 1.50%); Initial fees (Dossier, Setup and Valuation Fees) of €748.80, monthly Life Insurance Premium of €13.56; 360 monthly payments of €477.76; Total amount charged to the consumer of €185,066.13.
TAEG with optional associated sales 4.0% - Variable TAN (APR) of 3.206% (Euribor 12 months of November, 2024 of 2.506% and contracted spread of 0.70%); Initial fees (Dossier and Setup Fees) of €254.80; Valuation Fee €239.20; monthly Life Insurance Premium of €13.56; 360 monthly payments of €432.80; Total amount charged to the consumer of €168,623.51.
Presumes the purchase of the following products:
Transfer of salary of €1,000 to the account associated with the loan;· Domiciliation of 2 monthly payments (water, gas, electricity, communications);· Multi-risk Home Insurance associated to the credit, sold by Ageas Portugal under the Ocidental3 brand;· Life insurance associated with the credit at Ocidental Vida3.
MORTGAGE LOAN SOLUTIONS - TRANSFER – Example for a 30-year old consumer - Financing of €100,000, with mortgage; €150,000 valuation value; 67% LTV; term of 30 years. Product Indexed Instalment; purpose Loan Transfer; Multi-risk Insurance Premium with monthly payments of €17.63.
TAEG without optional associated sales 4.7% - Variable TAN (APR) of 4.006% (Euribor 12 months of November, 2024 of 2.506% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80; Contract Expenses (Charges, Online Certificate and Mortgage Cancellation) €624.78; monthly Life Insurance Premium of €€13.56; 360 monthly payments of €477.76; Total amount charged to the consumer of €184,340.49.
TAEG with optional associated sales 3.8% - Variable TAN 3.206% (Euribor 12 months of November, 2024 of 2.506% and contracted spread of 0.70%); Initial Fees (Dossier, Setup and Valuation Fees) exempt; Contract Expenses (Online Certificate and Mortgage Cancellation) €65; monthly life Insurance Premium of €13.56; 360 monthly payments of €432.80; Total amount imputed to the consumer of €167,098.89.
Presumes the purchase of the following products: Transfer of salary of €1,000 to the account associated with the loan;· Domiciliation of 2 monthly payments (water, gas, electricity, communications);· Multi-risk Home Insurance associated to the credit, sold by Ageas Portugal under the Ocidental3 brand;· Life insurance associated to the credit at Ocidental Vida3.
Subject to credit risk assessment. Credit is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. Credit is granted subject to Banco de Portugal’s macro-prudential rules. The interest rate applied (TAN) may be negative depending on the evolution of the respective index.
Representative examples of Integrated Banking Products and Services Solutions for Individual Customers
Millennium GO! University has a package account maintenance fee of €0/month if you are between 18 and 25 years old and provide proof of enrollment in a university and polytechnic educational institution. Only €1/month if you are between 26 and 30 years old or between 18 and 25 years old and do not provide proof of enrollment in a university and polytechnic educational institution; receive a salary over €500 and subscribe to the Digital Statement, otherwise the fee is €3.5/month. Fees plus Stamp Duty.
Cliente Frequente has a monthly package account maintenance fee of €5 and €6 which varies depending on the financial involvement with the Bank. Otherwise, the fee is €8.
Vantagem Profissão discount criteria: 1st holder customer who requests the activation of the Vantagem, proves to be a member of a Registered Entity and transfers his/her salary - monthly package account maintenance fee of €4 or €6, according to the following:
| Fee | ||
|---|---|---|
| €6 | Salary ≥ €750 or FA €7.500 | + Digital statementl |
| Salary ≥ €750 and purchases with card of €150/month | + Digital statement |
Prestige Programme has a monthly package account maintenance fee of €5 and €6, which varies depending on the age and financial involvement with the Bank. Otherwise, the fee is €15. Vantagem Profissão discount criteria: 1st holder customer who requests the activation of the Vantagem, proves to be a member of a Registered Entity and transfers his/her salary - monthly package account maintenance fee of €4, according to the following:
| Fee | ≥ 18 and < 35 years | ≥ 35 and < 45 years | ≥ 45 years | |
|---|---|---|---|---|
| FA ≥ €20,000 or Salary ≥ €1,500 | FA ≥ €35,000 or Salary ≥ €2,000 | FA ≥ €50,000 or Salary ≥ €2,500 | ||
| FA ≥ €20,000 + | FA ≥ €35,000 + | FA ≥ €50,000 + | ||
| Salary ≥€750 or card purchases of ≥€500/month + Digital statement | ||||
FA = Financial Assets: Sum of the average balances of the 1st holder's current accounts and savings and investments associated with the same; Card invoicing: For the calculation of monthly debit and/or credit card invoicing, withdrawals, cash advance transactions, Free-meal card and cards of non-depositing Customers will not be considered (ex: Amex and TAP). Cards of non-depositing Customers will be considered when associated to the current account.
Customer Acceptance Policy. Minimum opening amount: €250. Account maintenance fee: €5.20/month (plus Stamp Tax).
Prestige Direct Start & Family has a monthly package account maintenance fee depending on the number of account holders, age and the Customer's financial involvement with the Bank that varies between €2.5 and €4.5. Otherwise, the monthly fee is €8.
Vantagem Profissão discount criteria: 1st holder customer who requests the activation of the Vantagem, proves to be a member of a Registered Entity and transfers his/her salary - monthly package account maintenance fee of €2.5 and €4, according to the following:
| Prestige Start (1 holder) | Prestige Family (2 or more holders) | |||
|---|---|---|---|---|
| >=18 anos <30 anos | >=30 anos | >=18 anos <30 anos | >=30 anos | |
| With Prestige Customer criteria | €2.5 | €3.5 | €3.5 | |
| Without Prestige Customer criteria | €8 | €8 | ||
If more holders are included in the account, you will automatically migrate to Prestige Family and if holders are removed from the account and only 1 holder is left, you will automatically migrate to Prestige Start.
Representative examples of Credit Cards and Transfers
2Classic: 15.2% TAEG and 13.100% TAN for a €1,500 credit limit paid over 12 equal monthly repayments, plus interest and expenses. Provision fee €10. Subject to credit risk assessment.
Go!: 13.7% TAEG and 13.100% TAN for a €1,500 credit limit paid over 12 equal monthly repayments, plus interest and expenses. Without card provision fee. Subscription subject to risk weighting and credit decision of Millennium bcp.
Prestige: 17.6% TAEG and 12.400% TAN for a €2,500 credit limit paid over 12 equal monthly repayments, plus interest and expenses. Provision fee €50. Subject to credit risk assessment. The issuance of a credit card depends on the prior signing up and subscription of the corresponding Particular Conditions and General Conditions of Use.
MB WAY TRANSFERS IN THE MILLENNIUM APP
Exemption of the payment of a fee of 0.1% or 0.2% on the transfer amount, depending on whether it is made by debit or credit card respectively for amounts that exceed €30 per operation, or €150 transferred in the month, or 25 transfers made in the month.
All the fees indicated are subject to Stamp Tax. Advertisement. This information does not dispense with the reading of the legally required pre-contractual and contractual information.
Insurance
There are exclusions provided for in the policies.
3Advertisement. The information on insurances does not dispense with the reading of the legally required pre-contractual and contractual information.
Banco Comercial Português, S.A., registered office at Praça D. João I, 28, 4000-295 Oporto, registered at the Commercial Registry Office of Oporto with the single commercial registration and TIN 501 525 882 and having a share capital of 3,000,000,000 Euros. Insurance broker, registered under no. 419527602, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorisation for the mediation of Life and Non-life insurance. Information and other registration details may be verified at www.asf.com.pt. The Mediator is not authorised to enter into insurance contracts on behalf of the Insurance Companies nor to receive insurance premiums to be delivered to the Insurance Company. The Mediator does not assume the cover of the risks inherent to the insurance contract. These risks are fully assumed by the Insurance Company, Ocidental Seguros.
Life Protection:
Ocidental - Companhia Portuguesa de Seguros de Vida, S.A., registered office Praça Príncipe Perfeito 2, 1990-278 Lisboa. Single registration and TIN 501836926. CRC Lisboa. Share Capital 22.375.000 Euros. ASF Registration 1024, www.asf.com.pt.
Non-Life Insurance:
Ageas Portugal - Companhia de Seguros, S.A., registered office Praça Príncipe Perfeito 2, 1990-278 Lisboa. Single registration and TIN 503454109. CRC Oporto. Share Capital of 7.500.000 Euros. ASF Registration 1129, www.asf.com.pt.
Médis: exclusive registered trademark for products managed by Médis- Companhia Portuguesa de Seguros de Saúde, SA, insurance company, reinsurer and manager of the integrated health care system underlying insurances of Policies issued by it or by other insurance companies authorized by it.
