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Educational tool

Term Deposit Comparison — Portugal

Compare the gross rates, terms and conditions of term deposits available in Portugal. Set your amount and see the estimated interest, side by side. These are capital-guaranteed products (up to €100,000 per holder through the Deposit Guarantee Fund) that pay a fixed rate over a set term.

Last updated: 2026-06-20

€

The interest shown on each card is estimated and illustrative, calculated on this amount, over each product's term, already net of the 28% Portuguese withholding tax (IRS).

80 deposits · 68 above Savings Certificates

State benchmark: Savings Certificates (Certificados de Aforro) at 2.215% (illustrative gross rate). A deposit only pays off if its rate, net of costs, beats this low-risk alternative.
★ Best rate
BluOr Bank
LIGO Deposit · 12 months
No early withdrawal All clients
3.50%
Gross rate
▲ above Aforro
Estimated net interest
+252 €
gross 350 €
Min. 1,000 € · No cap

Disponível durante o mês de junho. Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Best
Novos Clientes Aniversário · 3 months
Early withdrawal New clients
3.25%
Gross rate
▲ above Aforro
Estimated net interest
+59 €
gross 81 €
Min. 500 € · Max. 75,000 €

Disponível durante os meses de junho e julho

ActivoBank
Novos Clientes · 3 months
Early withdrawal New clients
3.00%
Gross rate
▲ above Aforro
Estimated net interest
+54 €
gross 75 €
Min. 500 € · Max. 10,000 €
BiG
Super Depósito · 3 months
Early withdrawal New clients
3.00%
Gross rate
▲ above Aforro
Estimated net interest
+54 €
gross 75 €
Min. 5,000 € · Max. 50,000 €

+0,10% para 18-30 anos, ACP, ordens profissionais

CGD
Boas Vindas · 6 months
Early withdrawal New clients
3.00%
Gross rate
▲ above Aforro
Estimated net interest
+108 €
gross 150 €
Min. 250 € · Max. 5,000 €

Novos clientes desde 01/09/2025 ou conta sem saldo desde 31/12/2024. 4,95€/mês manutenção, com possibilidades de isenção ou redução por idade, domiciliação, etc

Klarna
Conta poupança · 48 months
No early withdrawal All clients Non-residents
3.00%
Gross rate
▲ above Aforro
Estimated net interest
+864 €
gross 1,200 €
No minimum · No cap

Juros anuais

Klarna
Conta poupança · 36 months
No early withdrawal All clients Non-residents
2.90%
Gross rate
▲ above Aforro
Estimated net interest
+626 €
gross 870 €
No minimum · No cap

Juros anuais

Klarna
Conta poupança · 24 months
No early withdrawal All clients Non-residents
2.85%
Gross rate
▲ above Aforro
Estimated net interest
+410 €
gross 570 €
No minimum · No cap

Juros anuais

Bankinter
TOP Premier · 2 months
Early withdrawal All clients New funds
2.75%
Gross rate
▲ above Aforro
Estimated net interest
+33 €
gross 46 €
Min. 50,000 € · Max. 500,000 €
Bankinter
Net Boas Vindas · 2 months
Early withdrawal New clients
2.75%
Gross rate
▲ above Aforro
Estimated net interest
+33 €
gross 46 €
Min. 1,000 € · Max. 100,000 €
BPG
Start · 3 months
No early withdrawal All clients
2.75%
Gross rate
▲ above Aforro
Estimated net interest
+50 €
gross 69 €
Min. 2,500 € · Max. 100,000 €

Juros no início. Limitado a uma subscrição

Haitong Bank
Depósito a prazo · 12 months
Early withdrawal (see notes) All clients
2.75%
Gross rate
▲ above Aforro
Estimated net interest
+198 €
gross 275 €
No minimum · No cap

2,70% mobilizável. +0,05% ou +0,10% para subscritores Proteste. 50€/ano manutenção se < 5 000€

Haitong Bank
Depósito a prazo · 24 months
Early withdrawal (see notes) All clients
2.75%
Gross rate
▲ above Aforro
Estimated net interest
+396 €
gross 550 €
No minimum · No cap

2,70% mobilizável. 50€/ano manutenção se < 5 000€

Klarna
Conta poupança · 12 months
No early withdrawal All clients Non-residents
2.71%
Gross rate
▲ above Aforro
Estimated net interest
+195 €
gross 271 €
No minimum · No cap
Haitong Bank
Depósito a prazo · 6 months
Early withdrawal (see notes) All clients
2.70%
Gross rate
▲ above Aforro
Estimated net interest
+97 €
gross 135 €
No minimum · No cap

2,65% mobilizável. +0,05% ou +0,10% para subscritores Proteste. 50€/ano manutenção se < 5 000€

Finantia
Visão · 24 months
Early withdrawal All clients New funds
2.70%
Gross rate
▲ above Aforro
Estimated net interest
+389 €
gross 540 €
Min. 50,000 € · Max. 500,000 €

Opção de juros semestrais, mobilizável só no final de cada semestre

Haitong Bank
Depósito a prazo · 3 months
Early withdrawal (see notes) All clients
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+48 €
gross 66 €
No minimum · No cap

2,60% mobilizável. +0,05% ou +0,10% para subscritores Proteste. 50€/ano manutenção se < 5 000€

BAI Europa
Depósito a prazo · 12 months
Early withdrawal (see notes) All clients
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+191 €
gross 265 €
Min. 1,000 € · Max. 10,000,000 €

2,00% mobilizável

Easisave
Fixed term deposit · 12 months
No early withdrawal All clients Non-residents
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+191 €
gross 265 €
Min. 1,000 € · No cap

Juros trimestrais ou na maturidade

Finantia
Jump · 12 months
No early withdrawal All clients New funds
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+191 €
gross 265 €
Min. 50,000 € · Max. 500,000 €

Juros semestrais

Easisave
Fixed term deposit · 24 months
No early withdrawal All clients Non-residents
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+382 €
gross 530 €
Min. 1,000 € · No cap

Juros trimestrais ou na maturidade

Easisave
Fixed term deposit · 36 months
No early withdrawal All clients Non-residents
2.65%
Gross rate
▲ above Aforro
Estimated net interest
+572 €
gross 795 €
Min. 1,000 € · No cap

Juros trimestrais ou na maturidade

Finantia
Jump · 6 months
No early withdrawal All clients New funds
2.60%
Gross rate
▲ above Aforro
Estimated net interest
+94 €
gross 130 €
Min. 50,000 € · Max. 500,000 €
Bankinter
TOP · 2 months
Early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+30 €
gross 42 €
Min. 5,000 € · Max. 50,000 €
Bankinter
TOP Premier · 2 months
Early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+30 €
gross 42 €
Min. 50,000 € · Max. 500,000 €
Carregosa
Bem-Vindo · 3 months
No early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 25,000 € · Max. 100,000 €
Carregosa
Welcome Boost · 3 months
No early withdrawal New clients
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 1,000 € · Max. 150,000 €

Canal NextGen, para até 30 anos

Invest
Choice Novos Montantes · 3 months
Early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 2,000 € · Max. 150,000 €

7,50€/trimestre manutenção se < 5 000€ e sem movimentos há 12 meses. Limitado a 150 000€ em depósitos de novos montantes

Atlantico
Global Living · 3 months
Early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 2,500 € · Max. 100,000 €

4,99€/mês manutenção

BAI Europa
Depósito a prazo · 3 months
Early withdrawal (see notes) All clients
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 1,000 € · Max. 10,000,000 €

2,10% mobilizável

BAI Europa
Novos Clientes · 3 months
No early withdrawal New clients
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+45 €
gross 63 €
Min. 2,500 € · Max. 100,000 €

+0,05% ou +0,10% para subscritores Proteste

BiG
Super Depósito · 6 months
Early withdrawal All clients
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+90 €
gross 125 €
Min. 10,000 € · Max. 50,000 €

+0,10% para ACP e ordens profissionais

Invest
Choice Novos Montantes · 6 months
Early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+90 €
gross 125 €
Min. 2,000 € · Max. 150,000 €

7,50€/trimestre manutenção se < 5 000€ e sem movimentos há 12 meses. Limitado a 150 000€ em depósitos de novos montantes

Openbank
Novos Clientes Tri · 6 months
Early withdrawal New clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+90 €
gross 125 €
Min. 1 € · No cap

Juros trimestrais

Banco CTT
Novos Montantes · 6 months
No early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+90 €
gross 125 €
Min. 5,000 € · Max. 150,000 €
BiL
Term deposit · 12 months
No early withdrawal All clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+180 €
gross 250 €
Min. 10,000 € · No cap
BluOr Bank
Deposit account · 12 months
No early withdrawal All clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+180 €
gross 250 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Bison Bank
Rendimento Premium · 12 months
No early withdrawal All clients New funds
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+180 €
gross 250 €
Min. 25,000 € · Max. 250,000 €
BluOr Bank
Deposit account · 24 months
No early withdrawal All clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+360 €
gross 500 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Finantia
Rendimento · 24 months
Early withdrawal (see notes) All clients
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+360 €
gross 500 €
Min. 50,000 € · Max. 500,000 €

Juros semestrais. 2,35% mobilizável

BluOr Bank
Deposit account · 36 months
No early withdrawal All clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+540 €
gross 750 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

BluOr Bank
Deposit account · 60 months
No early withdrawal All clients Non-residents
2.50%
Gross rate
▲ above Aforro
Estimated net interest
+900 €
gross 1,250 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Finantia
Rendimento · 6 months
Early withdrawal (see notes) All clients
2.45%
Gross rate
▲ above Aforro
Estimated net interest
+88 €
gross 123 €
Min. 50,000 € · Max. 500,000 €

2,15% mobilizável

BluOr Bank
Deposit account · 9 months
No early withdrawal All clients Non-residents
2.45%
Gross rate
▲ above Aforro
Estimated net interest
+132 €
gross 184 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Finantia
Rendimento · 12 months
Early withdrawal (see notes) All clients
2.45%
Gross rate
▲ above Aforro
Estimated net interest
+176 €
gross 245 €
Min. 50,000 € · Max. 500,000 €

2,20% mobilizável

BPG
Save · 12 months
No early withdrawal All clients
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+173 €
gross 240 €
Min. 5,000 € · Max. 250,000 €

Juros trimestrais com opção de capitalização

MeDirect
Fixed term deposit · 24 months
No early withdrawal All clients Non-residents
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+346 €
gross 480 €
Min. 100 € · No cap

Juros trimestrais, semestrais ou na maturidade

BNI Europa
Depósito a prazo · 36 months
Early withdrawal (see notes) All clients
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+518 €
gross 720 €
Min. 2,500 € · No cap

2,35% com juros mensais. 2,20% mobilizável. 2,50€/mês manutenção se < 5 000€

MeDirect
Fixed term deposit · 36 months
No early withdrawal All clients Non-residents
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+518 €
gross 720 €
Min. 100 € · No cap

Juros trimestrais, semestrais ou na maturidade

BNI Europa
Depósito a prazo · 48 months
Early withdrawal (see notes) All clients
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+691 €
gross 960 €
Min. 2,500 € · No cap

2,35% com juros mensais. 2,20% mobilizável. 2,50€/mês manutenção se < 5 000€

MeDirect
Fixed term deposit · 48 months
No early withdrawal All clients Non-residents
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+691 €
gross 960 €
Min. 100 € · No cap

Juros trimestrais, semestrais ou na maturidade

BNI Europa
Depósito a prazo · 60 months
Early withdrawal (see notes) All clients
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+864 €
gross 1,200 €
Min. 2,500 € · No cap

2,35% com juros mensais. 2,20% mobilizável. 2,50€/mês manutenção se < 5 000€

MeDirect
Fixed term deposit · 60 months
No early withdrawal All clients Non-residents
2.40%
Gross rate
▲ above Aforro
Estimated net interest
+864 €
gross 1,200 €
Min. 100 € · No cap

Juros trimestrais, semestrais ou na maturidade

FCM Bank
Fixed term deposit · 12 months
No early withdrawal All clients Non-residents
2.38%
Gross rate
▲ above Aforro
Estimated net interest
+171 €
gross 238 €
Min. 2,000 € · No cap

Juros mensais, trimestrais, semestrais ou na maturidade

MeDirect
Fixed term deposit · 12 months
No early withdrawal All clients Non-residents
2.38%
Gross rate
▲ above Aforro
Estimated net interest
+171 €
gross 238 €
Min. 100 € · No cap

Juros trimestrais, semestrais ou na maturidade

BNI Europa
Depósito a prazo · 24 months
Early withdrawal (see notes) All clients
2.35%
Gross rate
▲ above Aforro
Estimated net interest
+338 €
gross 470 €
Min. 2,500 € · No cap

2,30% com juros mensais. 2,20% mobilizável. 2,50€/mês manutenção se < 5 000€

BNI Europa
Depósito taxa crescente · 24 months
Early withdrawal All clients
2.35%
Gross rate
▲ above Aforro
Estimated net interest
+338 €
gross 470 €
Min. 2,500 € · No cap

1,85%, 2,20%, 2,35%, 3,00% no 1º, 2º, 3º, 4º semestre. Juros semestrais

BAI Europa
Depósito a prazo · 24 months
Early withdrawal (see notes) All clients
2.35%
Gross rate
▲ above Aforro
Estimated net interest
+338 €
gross 470 €
Min. 1,000 € · Max. 10,000,000 €

2,00% mobilizável

BAI Europa
Novos Clientes · 3 months
No early withdrawal New clients
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+41 €
gross 58 €
Min. 2,500 € · Max. 10,000,000 €
Easisave
Fixed term deposit · 3 months
No early withdrawal All clients Non-residents
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+41 €
gross 58 €
Min. 1,000 € · No cap
BluOr Bank
Deposit account · 6 months
No early withdrawal All clients Non-residents
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+83 €
gross 115 €
Min. 1,000 € · No cap

Subscrever depósito sem abrir conta (que tem custos). Pedir redução da taxa de retenção

Easisave
Fixed term deposit · 6 months
No early withdrawal All clients Non-residents
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+83 €
gross 115 €
Min. 1,000 € · No cap

Juros trimestrais ou na maturidade

Easisave
Fixed term deposit · 9 months
No early withdrawal All clients Non-residents
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+124 €
gross 173 €
Min. 1,000 € · No cap

Juros trimestrais ou na maturidade

BNI Europa
Depósito a prazo · 12 months
Early withdrawal (see notes) All clients
2.30%
Gross rate
▲ above Aforro
Estimated net interest
+166 €
gross 230 €
Min. 2,500 € · No cap

2,25% com juros mensais. 2,20% mobilizável. 2,50€/mês manutenção se < 5 000€

Bankinter
TOP · 3 months
Early withdrawal All clients New funds
2.25%
Gross rate
▲ above Aforro
Estimated net interest
+41 €
gross 56 €
Min. 5,000 € · Max. 50,000 €
BNI Europa
Depósito a prazo · 6 months
Early withdrawal (see notes) All clients
2.25%
Gross rate
▲ above Aforro
Estimated net interest
+81 €
gross 113 €
Min. 2,500 € · No cap

2,20% com juros mensais. 2,10% mobilizável. 2,50€/mês manutenção se < 5 000€

Bison Bank
Rendimento Premium · 12 months
No early withdrawal All clients New funds
2.25%
Gross rate
▲ above Aforro
Estimated net interest
+162 €
gross 225 €
Min. 25,000 € · Max. 250,000 €
Klarna
Conta poupança · 9 months
Early withdrawal All clients
2.23%
Gross rate
▲ above Aforro
Estimated net interest
+120 €
gross 167 €
No minimum · No cap
ActivoBank
Depósito crescente · 36 months
Early withdrawal All clients
2.17%
Gross rate
Estimated net interest
+469 €
gross 651 €
Min. 5,000 € · No cap

1,50%, 2,00%, 3,00% no 1º, 2º, 3º ano. Juros anuais

BAI Europa
Premium · 12 months
Early withdrawal All clients
2.15%
Gross rate
Estimated net interest
+155 €
gross 215 €
Min. 2,500 € · Max. 10,000,000 €

+0,05% ou +0,10% para subscritores Proteste

BPG
Valor · 12 months
No early withdrawal All clients New funds
2.15%
Gross rate
Estimated net interest
+155 €
gross 215 €
Min. 5,000 € · Max. 750,000 €
bunq
Depósito a prazo · 12 months
Early withdrawal (see notes) All clients Non-residents
2.11%
Gross rate
Estimated net interest
+152 €
gross 211 €
Min. 1,000 € · Max. 100,000 €

Mobilização antecipada com penalização de 1%

Klarna
Conta poupança · 18 months
No early withdrawal All clients Non-residents
2.11%
Gross rate
Estimated net interest
+228 €
gross 317 €
No minimum · No cap
ActivoBank
Flash · 2 months
Early withdrawal All clients
2.10%
Gross rate
Estimated net interest
+25 €
gross 35 €
Min. 2,500 € · No cap

Disponível durante o mês de junho

BNI Europa
Depósito a prazo · 3 months
No early withdrawal All clients
2.10%
Gross rate
Estimated net interest
+38 €
gross 53 €
Min. 2,500 € · No cap

2,50€/mês manutenção se < 5 000€

BiL
Term deposit · 6 months
No early withdrawal All clients Non-residents
2.10%
Gross rate
Estimated net interest
+76 €
gross 105 €
Min. 10,000 € · No cap
BAI Europa
Premium · 24 months
Early withdrawal All clients
2.10%
Gross rate
Estimated net interest
+302 €
gross 420 €
Min. 2,500 € · Max. 10,000,000 €
FCM Bank
Fixed term deposit · 3 months
No early withdrawal All clients Non-residents
2.08%
Gross rate
Estimated net interest
+37 €
gross 52 €
Min. 2,000 € · No cap

Juros mensais ou na maturidade

BPG
Valor · 6 months
No early withdrawal All clients New funds
2.05%
Gross rate
Estimated net interest
+74 €
gross 103 €
Min. 5,000 € · Max. 750,000 €
FCM Bank
Fixed term deposit · 6 months
No early withdrawal All clients Non-residents
2.01%
Gross rate
Estimated net interest
+72 €
gross 100 €
Min. 2,000 € · No cap

Juros mensais, trimestrais ou na maturidade

Guaranteed up to €100,000

The Deposit Guarantee Fund (FGD) covers up to €100,000 per depositor and per institution. Above that, it is wise to split across banks.

Hidden costs

Some banks require a current account with maintenance fees. Check whether the transfers needed to open the deposit are free.

28% tax on interest

Interest is taxed at 28% (withheld at source). Non-residents may face different rules — confirm your own tax situation.

Many of these banks offer free online transfers (Banco CTT, BAI, Bankinter, Best, BIL, Bison, BPG, Carregosa, Easisave, Klarna, MeDirect, Openbank), subject to a daily limit between €5,000 and €25,000. Others charge €0.50 (BluOr, Finantia), €1.00 (BiG, EuroBic) or €1.50 (Atlántico, BNI, Haitong).

Products such as the Bankinter Conta Mais Ordenado, uninvested cash on Trade Republic or Revolut's instant-access savings are not term deposits (they allow top-ups and withdrawals without penalty), so they are not listed here.

For comparison, new subscriptions of Portuguese Savings Certificates carry an initial rate of 2.215%.

Important: this is an educational tool. Rates, terms and conditions are illustrative, gathered from public sources, and do not reflect real-time offers. It is not financial advice or a recommendation. Always confirm the current conditions with each institution and in its standardised information sheet (FIN) before deciding. Estimated interest does not account for account costs or every applicable tax. Capital guaranteed by the FGD up to €100,000 per holder and per institution.

How we collect and calculate this data