Open account

Opening a bank account has never been easier.

Open yours in 5 minutes, with Digital Mobile Key (Chave Móvel Digital).

Open account

Step by step to open your account online.

Authentication
Authentication
Authenticate with the Digital Mobile Key (Chave Móvel Digital).
Personal data and contacts
Personal data and contacts
Confirm the data presented and fill in the rest.
Digital signature
Digital signature
Sign the contractual documents with the Digital Mobile Key's (Chave Móvel Digital) signature PIN.
Account activation
Account activation
Obtain the IBAN of your new account and make a first transfer so that it becomes active.

Do you not have a Digital Mobile Key (Chave Móvel Digital) yet?

Visit the Autenticação.gov app or website and request yours now.
Request Chave Móvel Digital

Alternatively, you can open your account at one of our branches.

Find your nearest branch.

Frequent questions.

Who can open an online account?
To open an online account, you must be over 18 years old, have permanent and tax residence in Portugal, and be an employee registered with Social Security, a Student, Retired, or Unemployed. You will also need to have an active Digital Mobile Key (Chave Móvel Digital), with an authentication PIN and a digital signature PIN.
How long do I need to open an online account?
On average, the account opening process takes between 5 and 12 minutes.
Can I start using and operating the account right away?
Yes, at the end of the process, you will immediately receive the IBAN of your new account and will be able to move it without restrictions after making a first reinforcement. This first reinforcement must be done through a bank transfer, from a national or international account within the SEPA area.
Can I associate a second account holder to the account?
After opening the online account, you can associate a second account holder to the account. However, at the moment, you will have to do it at one of the Banco Montepio branches.
If I'm not eligible to open an account online, how can I open an account?
If you are not eligible to open an account online, you can open your account at a Banco Montepio branch.