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-Pensionsor remuneration received through Payment Orders Received (POR) from Abroad in Non-Resident of € 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 13,90%, 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 0.141% 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).
Cards Issuing and Lending Entity: CaixaBank Payments & Consumer, E.F.C., E.P., S.A. Headquarters: Avenida Fontes Pereira de Melo nº51, 1º floor, 1050-120 Losbon (Portugal), with the Tax Identification Number 980645085, registered at the Commercial Registry of Lisbon. Agent in Portugal of the card issuer CaixaBank Payments & Consumer, E.F.C. E.P., S.A.U, acting as a tied credit intermediary on an exclusive basis: Banco BPI, S.A., Headquarters: Avenida da Boavista, 1117 – 4100 – 129 Porto, Share Capital € 1,293,063,324.98, registered at the Commercial Registry Office of Porto under the registration number PTIRNMJ 501 214 534 and with the tax identification number 501 214 534.