What this page answers: BEA publishes identity and residence/address evidence for individual-account requests. This checklist does not promise acceptance for every foreign or non-resident applicant, or establish remote opening.

Title and preparation scope updated 5 October 2026; the named primary source was checked on that date. Existing September correction history is retained.

What the primary source establishes

BEA’s published individual-account checklist asks for a copy of a valid national identity document or passport, plus official evidence of residence or address. Its examples include a residence or accommodation certificate, utility bill, and rental contract or receipt.

Where the evidence stops

That checklist establishes BEA’s published documents. It does not establish a countrywide opening delay, a remote-opening ban, a foreigner acceptance guarantee or a mandatory salary. Ask BEA which evidence it accepts for your nationality and residence situation.

Prepare your BEA document enquiry

Ask BEA which individual account matches your nationality, residence and intended transactions. Confirm which identity and address document it accepts, and whether originals or a branch visit are needed. Ask separately for the current product tariff and international-transfer terms.

Confirm terms before you rely on the account

Obtain the written conditions and tariff for the product the bank actually offers you. Confirm account acceptance, first-account opening and ongoing digital access separately. The evidence here does not supply a universal fee, opening delay or remote-opening verdict.

Questions before acting

Does this guarantee that I can open an account?

No. The cited rule or product has a defined scope; the bank must assess your actual application.

Is online banking the same as remote account opening?

No. Check whether the bank’s published conditions cover opening the first account or managing an existing one.

Corrections in this revision

The previous version included statements without sufficient direct support. This revision removes or corrects:

  • Statements without direct official support: removed, or replaced with the official rule. Removed figures are not repeated on this page.

Review scope: legal and financial statements in this revised article. Recheck on a provider, professional, immigration or tax-rule change; reuse of dated figures requires a new check.

See recorded sources

These primary references have the jurisdiction, product and scope stated above. A source link is not proof of personalised eligibility.

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About the author

António Mira is the founder of whereTOemigrate. For over a decade he has worked at the intersection of Portuguese real estate and overseas business, helping international clients navigate the cross-border decisions that come with relocating. He sits on the board of CCIAP (Portuguese-Arab Chamber of Commerce), the Portuguese-Saudi Business Council, and the Portugal-Hong Kong Business Association — always with one focus: enabling overseas business and human mobility into and out of Portugal.

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