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Content ID: PR_WCS01_UCM01083060

BPI Premier Account

Access to a range of services by payment of a monthly management fee of € 7,99 (+ stamp duty), reduced to € 4,50 (+ stamp duty) if you use BPI Premier Account for automatic direct deposit of your wages/pension2 (Sight Account) 1 >= € 2.500 or NUC Patrimony2 >= € 60.000:

Banco BPI | BPI Premier Account

Banco BPI | BPI Premier Account

Products, services and associated benefits:

  • 2 BPI Electron Debit Cards (different cad holders), without anuual fee;
  • 2 BPI Gold Credit Cards (15,3% TAEG - effective annual interest rate)3 at the same Card account, without annual fee;
  • 1 Module of 10 cheques per month, Crossed and Not-to-Order, requested through BPI Net and delivered via CTT (Stamp duty of € 0,05 for each issued check is borne by the Customer);
  • Free national and SEPA+ Credit Transfer (Single Euro Payments Area) , if carried out through automatic channels;
  • Standing Payment Orders (SPOs);
  • Offer of a purchase / sale stock operation per month (Euronext Lisbon), at BPI Net;
  • Overdraft Facility with direct deposit of wages, up to 100% of net pay subject to direct deposit (15,3% TAEG - effective annual interest) 

See how much you can save

Related Products and Services Individually purchased
Account Maintenance Fee * € 65 
2 Debit Cards € 40
2 Credit Cards € 100
2 SEPA Transfers per month ** € 24
1 purchase / sale stock operation per month € 118,8
Annual total € 343,80

€ 54/year BPI Premier Account with
Automatic Direct Deposit of Wages or Pension >=€2.500 or Patrimony >= € 60.000 (€ 4,5/month)

or

€95,88/year BPI Premier Account wuthout Automatic Direct Deposit of Wayes or Pension or Patrimony >= €60.000 (€7,99/mounth)

 

 

* € 16,25 / quarter, for for accounts without associated service package
Stamp Tax added to the indicated rates

Direct deposit of your wages at BPI is easy

To set up direct deposit of your wages at BPI, simply fill out the printed form and submit it to your employer.

Advantages of being a BPI Client

#Advantages__BPI_Client#

Observations

1 Automatic Direct Deposit of Wages or Pension only includes interbank electronic transfers of type SALA/08-Wages corresponding to a value of € 500 or more and type PENS/11-Pensions corresponding to a value of € 2.500 or more or remuneration received through Payment Orders Received (POR) from Abroad in Non-Resident of € 2.500 or more, on a regular (monthly) basis.

2 SAN Assets shall be considered as the average quarterly balance in current accounts in Euro+Term Deposits+Treasury Bills+Investment Funds (includes Retirement Saving Plans)+ Capitalisation Insurance+Securities, valued at end-of-month basis.

3 The effective annual interest rate (TAEG) is calculated based on € 2.500 of credit for the BPI Gold Card, for nominal annual rate of 9,32% (€ 50 annual fee + 4% duty stamp) and a 12-month repayment term. The interest rate is calculated on a 360-day basis, without rounding.

4 Effective annual interest rate (TAEG) for use of € 1.500 of credit during a 3-month term and Nominal Annual Rate (NAR) of 11,3%, including statutory taxes in force. Granting of overdraft facility subject to BPI approval.

For any example of a maximum amount of a contracted overdraft facility and/or contract duration, the above EAPR remains unchanged. For the ENI/PL/Retired Customers, in the indicated EAPR, the Stamp Tax on the Use of Credit, in the amount of 0.2115% on the amount used, is also considered. On the amount of credit used in the form of an overdraft, the Bank will charge interest, calculated on a day-to-day basis, at the rate defined above (APR). Plus 4% Stamp Tax on interest charged. This interest will always be debited with reference to the last day of the month to which they refer. The repayment of the credit used in the form of an overdraft is made on a monthly basis for the amount owed (including principal and interest) on the day on which the Salary (or pension) is credited; the Bank is herewith authorized to debit in this account the amount of credit used in each month and the respective interest (Calculation basis: Act./360 days).

This message is for advertising purposes and is provided by Banco BPI, S.A. Legally mandatory pre-contractual and contractual information should be consulted separately. Banco BPI, S.A., Rua Tenente Valadim, 284, Porto, Tied Insurance Intermediary no. 207232431 (registered with the Portuguese Insurance Institute on 31 October 2007 - additional registration information available at www.isp.pt); authorised to carry out activity in the Life and Non-Life Classes of Insurance with Companhia de Seguros Allianz Portugal, S.A. Banco BPI, S.A. is not authorised to receive premiums or enter into contracts on behalf of Allianz Portugal S.A., and assumes no responsibility as intermediary for the coverage of risks inherent to the insurance contract.