prémio de permanência
Published 8 November 2026, 19:36
prémio de permanência (holding bonus)
A bonus added to the interest rate on aforro savings certificates for keeping the money in for a long time. On series F it is added to the base rate: 0.25% from the second to the fifth year, 0.50% from the sixth to the ninth, 1% in the tenth and eleventh, 1.5% in the twelfth and thirteenth, and 1.75% in the fourteenth and fifteenth.
Where you come across it. Your aforro account statement, the calculator on the Treasury's website.
The bonus is counted from the date of each separate purchase, not from the date the account was opened. The 2.50% cap applies only to the base rate — the bonus comes on top. "Series 5" Treasury certificates have no such bonuses at all: their rate rises automatically year by year.