Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Credito Agricola review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Credito Agricola suits Portuguese customers who want branch and app access plus a Mastercard debit card, but its €4.50 monthly account charge makes it weaker on price. It is a practical everyday banking option rather than a low-cost standalone card, with cashback and a virtual card also available.

Key facts

Best for
Portuguese customers who value branch access, app banking and Mastercard debit cards.
Monthly fee
€4.50↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Caixa Central de Credito Agricola Mutuo↗
Headquarters
Portugal↗
Support channels
Help-centre↗
Features
Virtual card
Official website
creditoagricola.pt

Loans

APR
17.07%↗
Loan amount
€3,000 to €75,000↗
Term
36 to 84 months↗
Arrangement fee
200 EUR opening commission (comissao de abertura) plus 8 EUR stamp duty (imposto do selo)↗
Credit check
Hard↗
Representative example
Credito Pessoal of 10,000.00 EUR over 36 months at a fixed TAN of 9.55%: TAEG 13.4%, monthly payment 320.56 EUR, total amount owed 11,985.89 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Ages 18+; new or existing Credito Agricola customers, in Portugal↗
Loan types
Personal↗
Pricing model
Fixed rate

Personal insurance

Premium from
€8.25↗
Insurance types
Auto, Home, Life, Health, Pet↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
€0↗
Cover limit
Up to 75,000 EUR protected value (CA Vida Educação life insurance)↗
Claims channels
App, Email, Phone, Post, Web↗
Age range
No subscription age limit for CA Automóvel; up to 75 years for CA Saúde↗

Credit cards

Annual fee
€18↗
Rewards type
Cashback↗
Perks
Seguro de Assistencia em Viagem, Seguro de Uso Fraudulento de Cartao↗
Card kind
Credit↗

Savings

Minimum deposit
€0↗
Access terms
Conta a ordem (day-to-day current account), no minimum opening balance, access via CA branch and CA Mobile app↗
Account kind
Easy access↗

Mortgages

Initial rate
2.5%↗
APRC
4.2%↗
Fixed period
2 years↗
Maximum loan to value
90%↗
Product fee
€0↗
Purpose
Purchase, Buy-to-let↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • The easy-access current account has no minimum opening balance and can be reached through a CA branch and the CA Mobile app.
  • The account includes a Mastercard debit card and offers cashback and a virtual card.
  • The listed monthly account charge is €4.50.

Cons

  • The account charge of €4.50 is higher than bunq's €0 and Wise's £0.
  • Listed account support runs through help centre only.
Credito Agricola

Ready to try Credito Agricola?

Scored 8.2 / 10 by SumCue.

See alternatives

Who it suits

  • Portuguese customers who regularly use branches as well as mobile banking.
  • Customers wanting a debit card with cashback and virtual-card options.
  • People comfortable paying a monthly fee for an easy-access account with app and branch access.

Who should look elsewhere

  • bunq customers prioritising a free monthly account plan.
  • Wise customers who prefer a free monthly account charge.
  • Anyone wanting listed account support beyond a help centre.

How Credito Agricola compares

Where Credito Agricola is available

Available
Portugal

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Credito Agricola account cost each month?+

The easy-access account has a monthly fee of €4.50. It has no minimum opening balance, but customers should still compare that charge with lower-cost alternatives before choosing.

What type of card does the account include?+

The listed card is a debit card on the mastercard network. Credito Agricola also offers cashback and a virtual card through its card offering.

How can customers access the account?+

Customers can use a CA branch and the CA Mobile app. The account is described as a day-to-day current account with easy access and no minimum opening balance.

Does the account offer cashback or a virtual card?+

Credito Agricola lists cashback as its rewards type and includes a virtual card among its features. These card features sit alongside the Mastercard debit-card offering.

What deposit is needed to open the account?+

The stated minimum deposit is €0. Access terms also say there is no minimum opening balance, making the account accessible without tying up an opening deposit.

What support is available for the account?+

The listed account support channel is help centre. This means the help centre is the account support route identified for the current-account offering.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Credito Agricola

Credito Agricola

Portuguese customers who value branch access, app banking and Mastercard debit cards.

8.2/10See alternatives