group Open an account

Online Account Opening

Open your BAI Europa account 100% digitally — no need to leave home!

Requirements for Online Account Opening

  • check Valid Citizen Card or an *Angolan or Cape Verdean Passport
  • check Residency in Portugal, Angola, or Cape Verde
  • check Must be over 18 years old
  • check Must be a New Client
  • check Must be the beneficial owner of the account
  • check Cannot be classified as a "US Person"

Open an account in 5 simple steps

Find out how to open your BAI Europa Account.
1

Personal details

Contact information & eligibility confirmation

2

Documentation

Pre-contractual documentation

3

Supporting documents

Identification details and supporting documents

4

Video call

Identity verification

5

Signature

Signing of documents

Open your account with Digital Mobile Key

You can now open your account in a more intuitive, fast, and simple way through the Digital Mobile Key, available only for residents in Portugal with a Portuguese Citizen Card and enrollment in the DMK.

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Open your account with Digital Mobile Key

Want to add up to three account holders? You can do it online!

During the account opening process, you’ll be asked to provide the names, mobile numbers, email addresses, and tax numbers of the additional account holders. Each one will receive an invitation code via email to begin their part of the process. Once all additional holders have completed their steps, the primary applicant will finalise the request for a joint account.

If multiple holders are added, residents of Portugal, Angola, and Cape Verde are accepted. However, for tax purposes, only the first holder’s tax residency will be taken into account.

When opening an account online, you’ll need your valid ID card and the following documents to verify your address and employment status:

  • Proof of address, issued within the last 6 months and in the name of the account holder;
  • Proof of profession, if you declare yourself as either employed or self-employed. This document should be no older than 3 months, issued in the name of the account holder, and it must contain the following information: issuer/employer name, client’s name, job title or professional category, and date of issue.

This documentation must be provided for all named account holders, representatives, or authorised proxies.

At the end of the online process, the bank will verify your information and may request further details if necessary.

Proof of address (issued within the last 6 months)

Comprovativo de profissão (emitido há menos de 3 meses)

Need more information?

If you can’t find what you’re looking for, please contact us or consult our FAQs.

There is no minimum deposit required — you can open an account with a zero balance. However, if you wish to open one of our Term Deposits, you can only open it with a minimum amount of €1,000 for EUR and USD Term Deposits. For our New Clients and Premium Term Deposits, you can only open them with a minimum amount of €2,500.

Opening an account is completely free. A monthly maintenance fee of €5.20 applies. This fee is waived if you subscribe to and maintain one of our Term Deposits.

You may close your BAI Europa account at any time, free of charge, by:

Provided there are no impediments, the bank will close the account within a maximum period of one month.

No. While BAI Europa and BAI Angola belong to the same banking group, the accounts are completely separate and do not offer shared access.