(1) Conditions for Waiving the Account Maintenance Fee (Package Account):
POS terminal with monthly billing equal to or greater than €500 (Purchase transactions made under the Multibanco Agreement on the POS terminal associated with the E.mpreendedor Solution, totaling an amount equal to or greater than €500, within the 30 days prior to the monthly fee calculation date).
(2) 30 Crossed Cheques:
30 crossed cheques with copy, not to order, valid – subscribed via the Montepio24 Empresas - Web service. Maximum of 1 book per year. Cheque issuance is subject to stamp duty of €0.05 per cheque issued, plus a 4% tax calculated on the applicable commission.
(3) Conditions for Waiving the Account Maintenance Fee (Package Account):
POS terminal with monthly billing equal to or greater than €1000 (Purchase transactions made under the Multibanco Agreement on the POS terminal associated with the E.xpert Solution, totaling an amount equal to or greater than €1000, within the 30 days prior to the monthly fee calculation date).
(4) 150 Crossed Cheques:
150 crossed cheques with copy, not to order, valid – subscribed via the Montepio24 Empresas - Web service. Maximum of 1 book per year. Cheque issuance is subject to stamp duty of €0.05 per cheque issued, plus a 4% tax calculated on the applicable commission.
(5) Fulfillment of 3 out of 5 Requirements:
Average balance in the current year > €5,000; At least one Term Deposit; At least two SEPA-DD collections; At least one Montepio Bank protection insurance; Supplier payment system.
(6) Business Trade Credit Card:
APR: 27.556%
Nominal Annual Rate (NAR): 19.000%; Annual credit card availability fee of €70.00. The indicated fee corresponds to the payment of two semiannual installments of €35 each, charged in arrears. The first semiannual installment is waived. For subsequent installments, the fee is only waived if the total card billing in the previous semester exceeds €1,800.00, in purchases and/or cash advances recorded in the card account. Transactions still in “authorization request” status by the VISA network are excluded, as they are not yet communicated and recorded in the card account. APR calculated on September 5, 2025, for a credit example of €1,500 with a repayment term of 12 months.