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Credito Agricola review

Updated September 28, 2026 · VaultCue 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 serves expats and teenagers with an easy-access current account and a currency conversion fee of 0%, ranking 1 of 312 on that cost. The trade-off is the €4.50 monthly package fee, above the €0 most listed accounts charge.

Key facts

Best for
Expats and teenagers who want a 0% currency conversion fee on an easy-access account.
Monthly fee
€4.50↗
Currency conversion fee
0%↗
Transfer fee
Unlimited MBWAY transfers via CA Mobile app included in the package account↗
Legal entity
Caixa Central de Credito Agricola Mutuo CRL↗
Headquarters
Portugal↗
Founded
1984↗
Support channels
Phone, Email, Help-centre↗
Audience
Expats, Teens
Official website
creditoagricola.pt

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↗

Money transfer

Payout methods
Bank↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • Currency conversion fee of 0% on the package account, ahead of the 0.5% median across the accounts compared here.
  • A minimum deposit of €0 and no minimum opening balance, with access through a CA branch or the CA Mobile app.
  • Unlimited MBWAY transfers through the CA Mobile app are included in the package account.

Cons

  • The package account costs €4.50 a month, against a €0 median across the accounts listed.
  • That monthly fee places the account at 450 of 500 on this measure.
  • Getting money out runs through bank transfers, with no card or cash payout listed.
Credito Agricola

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Scored 9.2 / 10 by VaultCue.

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Who it suits

  • Expats who convert money often, since the currency conversion fee is 0%.
  • Teenagers looking for an everyday account, as expats and teen lists teenagers among the intended customers.
  • Customers who want a branch as well as an app, since the account is reached through a CA branch or the CA Mobile app.

Who should look elsewhere

  • bunq, where the monthly fee is €0 against €4.50 here.
  • Pixpay FR, whose monthly fee of €3.99 is under the €4.50 package fee.
  • People who regularly take money out at a cash machine, since payouts run through bank transfers.

The company behind it

The brand is run by Caixa Central de Credito Agricola Mutuo CRL, which is based in Portugal and was founded in 1984. Support is offered through phone, email and help centre: a phone line, an email address and an online help centre, rather than a self-service chat. That combination suits customers who prefer to raise a question with a person when something on the account is unclear.

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 account cost each month?+

The package account carries a monthly fee of €4.50. That sits above the €0 median across accounts listed here, and it places the account at 450 of 500 on this measure. The package does include unlimited MBWAY transfers through the CA Mobile app, which is where part of the value sits.

Is there a fee for converting currency?+

The currency conversion fee on the package account is 0%, so nothing is added there. That places it at 1 of 312 brands ranked on this measure, ahead of the 0.5% median across accounts listed here. For an account aimed at expats, it is the line that matters most.

How much do I need to open it?+

There is a day-to-day current account with no minimum opening balance, and a minimum deposit of €0. Access runs through a CA branch or the CA Mobile app, so the account can be opened and managed without holding a large starting balance.

What transfers come with the package?+

Unlimited MBWAY transfers through the CA Mobile app come with the package account, and those are part of what the €4.50 monthly charge pays for. The account is an easy-access easy access current account, so the balance sits there for daily spending rather than being tied up for a term.

How do I get help?+

Support runs on phone, email and help centre, so a phone line, an email address and an online help centre are all listed. Chat is not among them, which suits people who would rather speak to someone about a fee or a transfer than type out a message.

How do I take money out?+

Payouts run through bank transfers, the payout method listed for the brand. Card and cash withdrawal are not among them, so anyone who regularly takes money out at a cash machine would want to check that point before switching.

Who is the account written for?+

The listed audience is expats and teen, so expats and teenagers are the groups the account is written for. Expats benefit most from a currency conversion fee of 0%, while teenagers get an easy-access easy access account with a minimum deposit of €0 to start from.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currencies.

Related by the facts

Credito Agricola

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Expats and teenagers who want a 0% currency conversion fee on an easy-access account.

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