GOLDEN KEY ACCOUNT
Feel at home with us.
Golden Key account
For €15/month + stamp tax(1 ) of package account maintenance commission, enjoy all the additional products and services that this package account offers.
Requirements
Age
18 years and above
Subscribe minimum
€250
Where to subscribe
Branch
Best offers
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Dedicated manager
On opening an Golden Key Account, you have access to a dedicated manager who can find the best solutions to plan your future and manage your day-to-day financial affairs.
Always attentive to the best opportunities, your manager is able to foresee competitive solutions, adjusted to the life and objectives of clients. He or she is always available by phone or email. Relationship Manager always available by telephone or e-mail and ready to assist you in English, French or Chinese.
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Debit card
No annual fee for the card holder and additional holder of NB Debit card
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Gold credit card
Gold credit card free-of-charge(2)
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Cheque book
One free cheque book (20 cheques)
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Direct channels transactions
Direct channels transactions (internet and telephone banking) - free of charge for most operations.
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Term deposits
Term deposits offered in EUR, GBP, SEK, NOK, DKK at competitive interest rates and exchange rates.
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International transfers
Free international transfers, using direct channels.
(*) NB Gold Credit Card is subject approval. 15.7% EAPR (effective OCT), 11,200% NAPR (Nominal OCT) for a €1.750 12 months loan. 1st quarter 2022. Commission for providing a credit card of €30, to which stamp duty is added.
Mortgage loans
novobanco provides mortgage loans secured on the property being acquired in Portugal:
Loan term of 30 years
There is a maximum loan term of 30 years.
Special conditions
If the property is owned by novobanco or one of its partners
Minimum amount
The borrower cannot be over 75 years at the end of the loan term
life insurance
Not mandatory
Health benefits
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Insurance
Health Insurance (Tranquilidade Insurance Company).
Health benefits across the entire Luz Saúde hospital network*
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Check up
20% discount on check-up
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Admission
15% discount on the daily cost of admission from the 45th day
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Health expenses
10% discount on expenses not covered by health insurance and on amounts exceeding the ceiling (for those who have health insurance, excluding consumables, pharmaceuticals, blood and its use)
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Customer service
Individual customer service in English and French at Hospital da Luz Lisbon, Hospital da Luz Oeiras Clinic and Hospital da Luz Arrábida (on request at each unit)
(*) Conditions valid at all units of Hospital da Luz Póvoa de Varzim, Hospital da Luz Amarante Clinic, Hospital da Luz Cerveira Clinic, Hospital da Luz Porto Clinic, Hospital da Luz Arrábida, Hospital da Luz Aveiro, Hospital da Luz Lisbon, Hospital da Luz Oeiras Clinic, Hospital da Luz Amadora Clinic, Hospital Da Luz Setúbal and Hospital da Misericórdia Évora.
Special conditions at the hospitals of the HPA Group (Algarve Private Hospitals)*
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Consumables
15% discount on the HPA price list with the exception of consumables and pharmaceuticals
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Check ups
30% discount for check-ups, with the exception of the Premium Check-Up, where the applicable discount is 10%
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General and family appointments
50% discount on general and family appointments, once a year, with a doctor who speaks the beneficiaries' native language
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Dental Check ups
The Smile+ Program, with no-costs for the initial medical assessment appointment, a panoramic radiograph and preparation of a treatment plan
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Extra services
30% discount on our ambulance service
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Turism
15% discount on the Health Tourism service
(*) Conditions valid at: Algarve-Alvor Private Hospital, Algarve Private Hospital - Gambelas, Hospital of St. Camillus - Portimão; and the following clinics: Vila Real de Santo António International Medical Centre, Medchique Clinic - Monchique, Algarve Private Clinic - AlgarveShopping/Guide, Vilamoura Private Clinic, SIIPEMOR Clinic - São Brás de Alportel and CLÍDIS - Sines Diagnostic Clinic (Sines/Odemira/Vila Nova de Milfontes/Santiago do Cacém/Beja).
Medical and Technical accommodation assistance services
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Home medical assistance services (Portugal)
As an NB Golden Key account holder you can benefit, at any time, from medical assistance services at your home, such as a doctor's visit if you or a family member are ill , and you only pay the cost of the appointment. The call-out charge is paid by NOVO BANCO. You can also get medicines sent to you, among other complementary services.
Just call 800 202 271.
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Home technical assistance services (Portugal)
As an NB Golden Key Account holder you have access at any time to home technical assistance, to send professionals (for plumbing, electricity, home appliances, decorating and carpentry services), with free call-out and up to 1 hour free labour on the first occurrence per year. Just call 800 202 271.
Just call 800 202 271.
Accomodation benefits in Portugal
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Alojamentos
For you to get to know the country from North to South, we offer preferential conditions at several hotel chains in Portugal.
At all Vila Galé hotels, you can benefit from a 10% discount on the published price online at www.vilagale.com.
Condições válidas em Portugal: em Tavira, Vila Galé Albacora e Vila Galé Tavira; em Vilamoura, Vila Galé Ampalius; em Albufeira, Vila Galé Atlântico; em Cascais, Vila Galé Cascais; em Albufeira, Vila Galé Cerro Alagoa, em Beja, Vila Galé Clube de Campo; em Coimbra, Vila Galé Coimbra; em Lamego, Vila Galé Douro; na Ericeira, Vila Galé Ericeira; no Estoril, Vila Galé Estoril; em Évora, Vila Galé Évora; em Lagos, Vila Galé Lagos; em Vilamoura, Vila Galé Marina; em Armação De Pêra, Vila Galé Náutico; em Lisboa, Vila Galé Ópera; no Porto, Vila Galé Porto; na Galé, Vila Galé Praia; em Santa Cruz, Vila Galé Santa Cruz e; em Paço De Arcos, Collection Palácio Dos Arcos. No Brasil: em Camaçari, Vila Galé Marés; em Caucaia, Vila Galé Cumbuco; em Angra dos Reis, Vila Galé Eco Resort de Angra; em Vila Suape, Vila Galé Eco Resort do Cabo; em Fortaleza Ceará, Vila Galé Fortaleza; no Rio de Janeiro, Vila Galé Rio de Janeiro; e em Ondina, Vila Galé Salvador
Benefits at Golf Courses
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Campos de Golf
At various golf courses, you can benefit from preferential conditions, such as:
a) 30% discount on the counter price of green fees, which can be extended to beneficiaries' companions, up to a maximum of 3 people;
b) 10% discount on the counter price at restaurants (with the exception of the Beloura restaurant in Sintra).
Conditions valid at: Gramacho and Vale da Pinta in Lagoa, Silves Golf in Silves, Alto Golf in Alvor and Vila Sol in Quarteira; at Beloura in Sintra.
Other Advantages
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Security
With ESEGUR you can have access to services in the security area, under special market conditions, such as intrusion detection systems with connection to the ESEGUR central, key guard, human surveillance and transport of values.
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Property Management
With Loja do Condomínio you can access services in the area of property management, under special market conditions: key guard, regular house check, administrative management, supplier management, home doctor, LDC24 and maintenance.
Moving to Portugal
Salut. Hello. Olá Portugal!
Check out the website that speaks the same language of the new residents.
Salut. Hello. Olá Portugal!
Check out the website that speaks the same language of the new residents.
Documentação
Links úteis
Fundo de Garantia de Depósitos: missão e funções.
Saiba Mais
Fundo de Garantia de Depósitos: missão e funções.
(1) Bundled account maintenance fee of €15.00/month | €180.00/year + stamp duty. Monthly billing according to the Account's anniversary date.
(3) Example, 1st quarter 2024 18.5% APR, 16.400% NAR, for a credit limit of €1,500 and agreed term of 3 months (renewable), assuming full use of credit limit during the 3 months.