Term deposits
Grow your savings.
Discover our term deposits, which allow you to save with a pre-defined interest rate and for a fixed period of time, without risking your capital.
Mealheiro Banco Montepio Offer
With us, saving is a classic.
Subscribe until January 31st, 2025 to the Term Deposit Poupança Cresce (for 1 year or 3 years) or the Insurance Plan Proteção Jovem+ and we will give you the iconic Banco Montepio's piggy bank.
Offer of a Piggy Bank per customer, subject to existing stock. Check with your branch.
Specify the initial amount to be invested and calculate the maturity amount at the end of each deposit.
Allows reinforcements
Interest Capitalization
Periodic Interest
Term >= 1 year
Depósito Aforro 3 Meses
Ideal for short-term savings. Available through Montepio24 and branches.
- Term: 3 months
- Renewable: No
- Min. deposit: 2.500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 2,250%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Depósito Aforro 6 Meses
Ideal for short-term savings. Available through Montepio24 and branches.
- Term: 6 months
- Renewable: Yes
- Min. deposit: 2.500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 2,000%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Aforro 12 Meses
Savings safely. Available through Montepio24 and branches.
- Term: 12 months
- Renewable: Yes (maximum 2 renewals)
- Min. deposit: 2.500€
- Max. deposit: 500.000€
- Reinforcements: No
- Early withdrawal: Yes
- Rate (GNAR): 1,750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança M24
Total flexibility in the form of interest payment. Available exclusively through Montepio24.
- Term: 30 to 180 days
- Renewable: Yes
- Min. deposit: 125€
- Max. deposit:-
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 0.75%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança com Reforço
Savings plan defined by you. Available through Montepio24 and branches.
- Term: 1 year
- Renewable: Yes (only 1 time)
- Min. deposit: 25€
- Max. deposit: 100.000€
- Reinforcements: Yes
- Early Withdrawal: Yes
- Rate (GNAR): 1st year: 1,500% / 2nd year: 2,000%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Super
Earn interest every six months with increasing returns. Available through Montepio24 and branches.
- Term: 3 years
- Renewable: No
- Min. deposit: €2,500
- Max. deposit: 500.000€
- Reinforcements: No
- Early Withdrawal: Yes
- Average rate (GNAR): 1.750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Especial Jovem
Savings for young people aged 18 to 30. Available through Montepio24 and branches.
- Term: 1 year and 1 day
- Renewable: Yes
- Min. deposit: 25€
- Max. deposit: 20.000€
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 1,750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Mealheiro
Savings built with the amount and frequency of reinforcements you desire. Available through Mealheiro Digital (the Digital Piggy Bank).
- Term: 30 to 360 days
- Renewable: Yes
- Min. deposit: 5€
- Max. deposit: 100.000€
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 0.750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Cresce 1 Ano
For younger customers, from 0 to 17 years old. Available through Montepio24 and branches.
- Term: 1 year
- Renewable: Yes
- Min. deposit: 25€
- Max. deposit:-
- Reinforcements: Yes
- Early withdrawal: Yes
- Rate (GNAR): 1,750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Poupança Cresce 3 Anos
For younger customers, from 0 to 17 years old. Available through Montepio24 and branches.
- Term: 3 years
- Renewable: No
- Min. deposit: 500€
- Max. deposit: €50,000
- Reinforcements: No
- Early withdrawal: Yes
- Average rate (GNAR): 1,750%
AMOUNT AT THE END OF THE TD
AMOUNT NOT APPLICABLE
Savings for retirement.
Extra security for your savings.
Indicative simulation of the accumulated value at the end of the TD, considering a tax retention rate of 28%, corresponding to private customers resident in Portugal.
The amounts are not binding and are always subject to the features of each deposit and customer, namely the information contained in the Standardised Information Sheet.