Business Accounts

The accounts your business can count on.

Choose the account or integrated solution that best meets your business needs and always know what you're counting on.

Packaged bank account

E.mpreendedor

The solution for businesses less than 2 years old, which provides integrated access to essential everyday products and services, with a package account maintenance fee starting at €4.16 per month (1).

 

  • Current account exempt from maintenance fee
  • 1 debit card
  • 50 free, normal and instant SEPA+ transfers made on automatic channels
  • TPA with differentiated pricing
  • 50% discount on the commission for hiring/assembling the 1st Auto or Equipment Leasing operation
  • The first month of membership to the Solution is free of charge
General Terms and Conditions

Packaged bank account

E.mpresário

The everyday product and service package for companies in the investment phase, with a package account maintenance fee starting at €5.20 per month (1).

 

  • Current account exempt from maintenance fee
  • 1 debit card
  • 1 Business Trade credit card (subject to Bank approval) (6)
  • 50 free, normal and instant SEPA+ transfers made on automatic channels
  • 1 book of 30 checks (2)
  • TPA with differentiated pricing
  • 50% discount on the commission for hiring/assembling the 1st Auto or Equipment Leasing operation
  • The first month of membership to the Solution is free of charge
General Terms and Conditions

Packaged bank account

E.xpert

The solution for expanding companies that provides integrated access to a wide range of everyday products and services — and much more — with a package account maintenance fee starting at €6.24 per month (3).

 

  • Current account exempt from maintenance fee
  • 2 debit cards
  • 2  Business Trade credit cards (subject to Bank approval) (6)
  • 4 Prepaid Cards Menu
  • 50 free, normal and instant SEPA+ transfers made on automatic channels
  • 1 book of 150 checks (4)
  • TPA with differentiated pricing
  • 50% discount on the commission for hiring the 1st Auto or Equipment Leasing operation
  • Differentiated pricing in Microfactoring
  • The first month of membership to the Solution is free of charge
General Terms and Conditions

Packaged bank account

Montepio PME Líder

The integrated solution for companies with SME Leader status.

 

  • Current account exempt from maintenance fee
  • 1 debit card
  • 1 Business Trade credit card (subject to Bank approval) (6)
  • Free SEPA+ transfers made on automatic channels
  • Processing of files for payment of salaries or to suppliers free of charge
  • POS and Direct Debits with differentiated pricing

Packaged bank account

E.condomínio

The integrated solution for efficient condominium management, with a package account maintenance fee starting at €7.28 per month (5).

 

  • Current account exempt from maintenance fee
  • 1  debit card
  • 50 free, normal and instant SEPA+ transfers made on automatic channels
  • 1 book of 30 checks (2)
  • Processing of files for payment of salaries or to suppliers free of charge
  • The first month of membership to the Solution is free of charge
  • The change of stakeholders in the Condominium Account requires prior scheduling at the Branch
General Terms and Conditions

Current account

Business Account

The account that gives you access to all of the Bank's products and services.

  • Minimum opening amount of €500
  • Online access, through Montepio24 web and app
  • Access to integrated solutions tailored to the company's needs
Request info

Current account

Active Management Account

The account for Sole Proprietors, Liberal Professionals and Self-Employed Workers.

  • Minimum opening amount of €250
  • Online access, through Montepio24 web and app
  • Access to integrated solutions tailored to your business needs
Request info

Current account

Sole trader account

A conta com tripla função, que tem associada uma aplicação financeira para remunerar os excedentes de tesouraria e uma conta de crédito para necessidades pontuais de fundo de maneio.

 

  • Minimum opening amount of €2,500
  • Online access, through Montepio24 web and app
  • Automatic management of cash surpluses
  • Access to integrated solutions tailored to the company's needs
Request info

Current account

Condominium Account

The account for condominiums with an elected Administration, which facilitates the overall management of the payment of dues and expenses.

 

  • Minimum opening amount of €250
  • Online access, through Montepio24 web and app
  • Access to Condominium Savings Term Deposit
  • Access to an integrated solution suited to your condominium's needs
  • The change of participants requires prior scheduling at the Branch.
Request info

(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.

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