Fine
€5/mo
Caixa account
Best for: People who value the biggest network over speed.
Monthly fee
~€5
Opening
In branch, bring patience
Docs
NIF + passport + address + income
App
Improved, still clunky
Card
Debit included
✓ATM and branch on every corner
✓State-owned stability
✓Handles every bureaucratic edge case
×Queues and paperwork
×English varies wildly by branch
From the Bank accounts comparison in Lisbon. Prices checked June 2026.