GET MORE THAN JUST YOUR SALARY
All employees of companies with Plano Mais Colaborador TOP who get their salary at Millennium, get more benefits in their daily lives
MORE BENEFITS FOR EMPLOYEES
Get access to special financing conditions in Mortgage Loans and Personal Loans.
Subscribe to an Integrated Solution and get a discount on the account maintenance fee.
Get discounts on different insurances: Médis (Health), Homin (Home), Yolo! (Life), Móbis (Car), among others.
Campaign valid from April 16 until July 15, 2024.
SOLUTIONS
Advantages that match your home
When taking out a home loan at Millennium you have access to a range of discounts and benefits on moving, security, telecommunications, decoration, remodeling, among others.
TAEG 14.2% | TAN 11.250%
TAEG 12.0% | TAN 9.750% with optional associated sales
4 Requires get salary in the account associated with the loan or deposit of funds in cash of at least of €500/month
Conditions applicable to operations of > €6,000 and maturities > 24 months with optional associated sales.
INTEGRATED BANKING PRODUCTS AND SERVICES SOLUTIONS
Choose the solution that best suits your needs and get a discount on the monthly account maintenance fee.
MÉDIS INSURANCE (HEALTH)
Options 1, 2, 3, Vintage or Vintage Plus
Exemption of the 12th and 24th monthly payments in the first two years
MÓBIS (CAR)
10% discount during the agreement term¹.
PÉTIS INSURANCE (PETS)
10% discount during the agreement term¹.
PERSONAL ACCIDENTS
10% discount during the agreement term¹.
YOLO! INSURANCE (LIFE)
10% discount during the agreement term¹.
HOMIN (HOME INSURANCE)
10% discount during the agreement term¹.
OTHER INSURANCES
Domestic Staff / Boating / Guns and Hunting
10% discount during the agreement term¹.
Get insured at Millennium.
¹ Discounts apply to the total premium payable, without the cost of policy issuance and documentation.
Conditions valid for new policies taken out between January 1, 2023 and December 31, 2024.
Advertisement. This information does not exempt 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 nr. 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.
Life insurance:
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 Porto. Share Capital 7.500.000 Euros. ASF Registration 1129, www.asf.com.pt.
Médis - exclusive and registered trademark of the products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., insurer, reinsurer and manager of the integrated health care system underlying the insurance policies issued by Ocidental or by other insurers under its authorization.
The account opening is subject to the Customer Acceptance Policy. Minimum account opening amount: €250.
Mortgage Loan Representative Examples
MORTGAGE LOAN SOLUTIONS - ACQUISITION/CONSTRUCTION - Example for a 30-year-old consumer: Financing of €100,000, with mortgage; valuation amount €150,000; LTV 67%; 30-year term. Indexed Product. Contract Expenses €495.62; Stamp Tax on the use of mortgage loan €600; Home insurance premium, with monthly payments of €17.63.
TAEG WITHOUT OPTIONAL ASSOCIATED SALES 6.1% - Variable TAN (APR) of 5.218% (Euribor 12 months of March, 2024 of 3,718% and base spread of 1.50%); Initial fees (Dossier, Setup and Valuation Fees) of €748.80, monthly Life Insurance Premium of €17.66; 360 monthly payments of €550.22; Total amount charged to the consumer of € 212,630.15.
TAEG WITH OPTIONAL ASSOCIATED SALES 5.3% - Variable TAN (APR) of 4.468% (Euribor 12 months of March, 2024 of 3,718% and contracted spread of 0.75%); Initial fees (Dossier and Setup Fees) of €254.80; Valuation Fee €239.20; monthly Life Insurance Premium of €16.93; 360 monthly payments of €504.79; Total amount charged to the consumer of €195,755.57.
Requires the purchase of the following products:
• Get a salary of €1000/month in the account associated with the mortgage;
• Domiciliation of 2 monthly payments (water, gas, electricity or communications);
• Home insurance associated with the mortgage at Ocidental³;
• Life insurance associated with the mortgage at Ocidental Vida³.
MORTGAGE LOAN SOLUTIONS - TRANSFER - Example for a 30-year-old consumer - €100,000 financing, with mortgage; €150,000 valuation amount; LTV of 67%; 30-year term. Indexed Instalment Product; purpose Credit Transfer; Home insurance premium with monthly payments of €17.63.
TAEG WITHOUT OPTIONAL ASSOCIATED SALES 6.0% - Variable TAN (APR) of 5.218% (Euribor 12 months of March, 2024 of 3,718% 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 € 17.66; 360 monthly payments of € 550.22; Total amount charged to the consumer of € 212.159.31.
Mortgage is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. 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.
Personal Loan Representative Examples
PERSONAL LOAN SOLUTIONS
TAEG without optional associated sales 14.2%, TAN 11.250%, with a monthly payment of €174.93 for a loan of €10,000 over 84 months. Total amount charged to the consumer: €15,182.12, including €300 Dossier fee, interests, and Stamp Tax for the use of the loan.
TAEG with optional associated sales of 12.0%, TAN 9.750%, with monthly installments of €166.74 for a loan of €10,000 over 84 months term. Total amount charged to the consumer: €14,384.96, including €195 Dossier fee, interests and Stamp Tax for the use of the loan.
Requires the purchase of salary paid to a Millennium account or deposit of funds of at least €500 per month or €3,000 per semester, in the account where the loan installments are paid.
Subject to credit risk assessment and customer acceptance policy.
Conditions valid for proposals approved until 30/06/2024 and contracted until 31/07/2024.
All indicated fees are subject to Stamp Tax.
¹Discounts apply to the total premium payable, without the cost of policy issuance and documentation.
³Advertisement. The information on insurances does not exempt the reading of the legally required pre-contractual and contractual information. Insurances sold by Ageas Portugal - Companhia de Seguros, S.A. and Ocidental - Companhia Portuguesa de Seguros de Vida, S.A.
Representative examples of Integrated Banking Products and Services Solutions for Individual Customers
Millennium GO! Universitário 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 or polytechnic. 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 enrolment at a university or polytechnic; receive a salary of €500 or more at Millennium and subscribe to the Digital Statement, otherwise the fee is €3.5/month. Plus Stamp Duty.
Cliente Frequente has an account maintenance fee of €5 and €6, which varies according to the financial involvement with Millennium. Otherwise, the fee is €8.
Plano Mais Colaborador discount conditions: 1st account holder must get paid their salary from a company with a commercial agreement to have access to an account maintenance fee of €4 or €6, according to the following conditions:
Fee | ||
---|---|---|
€6 | Salary ≥ €750 or FA €7,500 | + Digital statement |
Salary ≥ €750 and purchases with card of €150/month | + Digital statemental |
Prestige Program has a monthly maintenance fee of €5 and €6, which varies according to the age and financial involvement with Millennium. Otherwise, the fee is €15.
Plano Mais Colaborador discount conditions: 1st account holder must get paid their salary from a company with a commercial agreement to have access to an account maintenance fee of €4, according to the following conditions:
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 purchases with card of ≥€500/month + Digital statement |
FA=Financial Assets: Sum of the average balances of the 1st holder current accounts, savings, and investments; purchases with cards: withdrawals, cash advance transactions, free-meal cards and cards of non-depositing Customers (ex: TAP) will not be considered in the calculation of monthly debit and/or credit card purchases. Cards of non-depositing Customers will be considered if they are linked to the current account.
Credit Cards and Transfers Representative Examples
CREDIT CARDS
²Classic: TAEG 15.2% and TAN 13.100% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €10. Subject to credit risk assessment.
GO! TAEG 13.7% and TAN 13.100% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €30. Subject to credit risk assessment.
Gold Prestige: TAEG 17.6% and TAN 12.400% for a €1,500 credit limit paid over 12 equal monthly repayments, plus interests and expenses. Annual fee €30. Subject to credit risk assessment.
The issue of a credit card depends on the prior acceptance and subscription of the Specific and General Conditions for the use of the credit card.
MB WAY TRANSFERS IN THE MILLENNIUM APP
Exempt from the payment of the 0.1% or 0.2% fee on the transfer amount, depending on whether it is made by debit or credit card respectively for amounts that exceed €30 per transaction, or €150 transferred in one month, or 25 transfers made in one month. All the fees indicated are subject to Stamp Tax.
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 nr. 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.
Life insurance:
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 Porto. Share Capital 7.500.000 Euros. ASF Registration 1129, www.asf.com.pt.
Médis - exclusive and registered trademark of the products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., insurer, reinsurer and manager of the integrated health care system underlying the insurance policies issued by Ocidental or by other insurers under its authorization.
Contact us through our dedicated e-mail
plano.maiscolaborador@millenniumbcp.pt