We recommend
€0/mo
paid tiers optional
Best for: Landing money before you've seen a branch.
Monthly fee
€0 base
Opening
In-app, same day
Docs
Passport only
App
Excellent
Card
Virtual now, physical posted
✓Works before you have a NIF
✓Great FX rates for moving money in
✓PT IBAN accepted for salaries
×No branches when something breaks
×Some landlords still side-eye it for rent
From the Bank accounts comparison in Lisbon. Prices checked June 2026.