How to open an account online
Summary:
• If you want to start saving or investing and take control of your financial future, the first step is to open an online account;
• You can have your account ready to check your balance, make transfers and payments, and start investing in just a few steps;
• Opening a Carregosa NextGen account online is quick and intuitive.
How many times have you been told that you could open an account online in minutes, only to discover that you needed an ID reader or had to visit a branch 'just to finish the process'?
That’s not how it works at Carregosa NextGen. Creating an account online is quick, intuitive and hassle-free from start to finish – as it should always be. Find out how.
Why open an account online?
As if it needed explaining! You can start saving and take the first steps towards investing in just a few steps.
You can also check your balance and transactions, view invoices and make instant transfers.
And if you do it with Carregosa NextGen, you will have access to Term Deposits and the GoBulling Investor Trading Platform, where you can trade Shares, ETFs and Investment Funds. You can start putting your money to work even with small amounts.
A step-by-step guide to opening an account online
Set your alarm for five minutes' time, as that's how long it will take you to open an account.
1. Select the preferred opening method
Firstly, decide whether you want to open with or without a Digital Mobile Key (Chave Móvel Digital – CMD). If you use the CMD, your Citizen Card details will be transferred automatically.
2. Validate your contact
To start the process, click here to go to the account opening page and fill in the requested details. All you need to do is fill in your name, taxpayer number, mobile phone number and email address.
Once you have authorised your data, you will receive an email containing a validation code and an SMS containing a PIN. Enter this information into the relevant fields.
3. Accept the terms and conditions
Next, you will need to accept the Terms and Conditions. Make sure you open and read all the documents carefully.
4. Select the number of account holders
The next step is to select the number of account holders. This is an important decision because it cannot be changed later.
Account holders have full access to and legal responsibility for the account, including authorisations, transactions and related decisions. Having one or more account holders can affect how the account is used and managed on a day-to-day basis.
• One account holder: All management and responsibility is concentrated in the hands of one person;
• More than one account holder: This allows you to share account management, but also implies joint responsibility in accordance with applicable rules.
If you need more time to make a decision, you can exit the process and resume it at any time within the next 30 days. Once this period has ended, any data you have entered will be deleted, and you will need to start the process again.
Make sure you choose the option that best suits your situation before you go ahead.
5. Choose the account features
The Account Features section allows you to specify both the initial amount with which you wish to open the account and how you intend to use it.
You will need to select the purpose of the account here, for example:
• Domestic bank transfers;
• Management or advisory;
• Trading on the GoBulling platform, among others.
Providing this information is important to ensure that your account is set up according to your profile and needs. This will allow you to access the correct features from the outset.
6. Receive the account opening contract
You will receive an e-mail containing your username and password for accessing your Homebanking account within a few seconds, allowing you to check your details. You will also receive documents that require your signature, along with a list of documents that you need to send to the bank.
To avoid unnecessary costs and inconvenience, you can use the CTT/Banco Carregosa protocol to send the following documents for each account holder.
• Identification document: Citizens Card, Identity Card or equivalent;
• Taxpayer's card: for tax confirmation;
• Proof of occupation: a payslip, an employer’s declaration or a professional card dated within the last three months;
• Proof of residence: a recent water or electricity bill, tax document or declaration from the parish council, issued within the last three months.
That’s it! You now have a Current Account with Carregosa NextGen, which you can use to manage your personal finances as you wish.
If you prefer, you can follow this step-by-step video:
Carregosa NextGen: the hassle-free way to open an account online
Opening an account online doesn't have to be a complicated process. As you can see, it only takes a few simple steps to create your account safely and conveniently, entirely online. If you prefer to open your account in person, visit one of our branches.
FAQ about opening an account online
Although opening an account online is straightforward, you may still have some questions about the process. Here are some answers to frequently asked questions.
Is there a minimum deposit required to open an account?
No, there is no minimum deposit required to open a Carregosa NextGen account.
How long does it take for an account to become operational?
Once your application has been approved, you will receive an e-mail containing your Homebanking details, which will allow you to check your balance and make transfers and payments.
If I don’t complete the process straight away, can I resume it later?
Yes, you can save the process online and resume it within 30 days. After this time, the data will be deleted.
Are my assets protected?
Yes, Banco Carregosa is a member of both the Deposit Guarantee Fund (DGF) and the CMVM’s Investor Compensation Scheme, guaranteeing coverage up to the legal limits.
Can I open an account in a currency other than EUR?
Yes, as long as you indicate this when you open the account. Please note that there are specific fees for foreign currency accounts.