The account you stop thinking about.
No monthly fee, no charge for spending abroad, and a balance that tells you the truth, including what is already committed this month.
- €0 monthly fee
- Free to open
- Deposits protected to €100,000
Every payment, named and filed.
Payments arrive with the merchant's real name and a category, the moment they happen. No four-day wait to find out what SQ*7741 was.
- Instant notification on every card payment
- Categories you can rename and re-file
- A monthly summary that fits on one screen
A balance that already knows about rent.
We subtract the direct debits still to come this month, so the number you see is the number you can actually spend.
- Upcoming bills shown against today's balance
- A warning before a direct debit would take you under
- No unarranged overdraft fees, ever
What it costs, in full.
If a charge is not on this list, it does not exist.
Representative fees for the standard current account, September 2026.
- Monthly account fee
- €0
- Card payments abroadMastercard rate, no mark-up
- €0
- Cash withdrawals abroadUp to €400 every 30 days, then 2%
- €0
- Arranged overdraftVariable, subject to status
- 19.9% EAR
- Unarranged overdraftWe decline the payment instead
- €0
Questions before you apply.
Photo ID (a passport, a Portuguese driving licence or a national identity card) and an address in Portugal. Most applications are decided in minutes, and the card arrives within three working days.
Yes. Tell us which payments to bring across and we move each one, step by step, so you can see what is left to move.
No minimum balance and no minimum pay-in. The account stays free whether you keep €5 or €50,000 in it.
Open a current account today.
About eight minutes, photo ID, and an address in Portugal. Bringing another bank's payments across is done step by step, and you can see what is left to move.