• Benefits
  • Return
  • Features
  • How to Apply
  • Legal Notices

Plano Poupança Saúde


Plano Poupança Saúde is a term deposit that enables savings in a disciplined way, building solutions to medium and long-term saving.
  • Term: 365 days;
  • Interest rate payment: Monthly;
  • Minimum amount of constitution: 500,00 MZN;
  • Minimum amount of reinforcement: 1,00 MZN;
  • Early mobilization subject to penalty;
  • Above 10,000.00 MZN: Offers malaria tests twice a year and a personal accident insurance - Opção Certa (click here to view the General Insurance Conditions)
  • Be safer with the Plano Poupança Saúde!


    Interest rate

    The Interest Rate is Variable according to the value of PRSF  (Prime Rate of the Financial System) at the beginning of each monthly  reckoning​.​​

    Monthly Interest Payment​

    • Up to 100.000 MZN for PRSF - 18,00%
    • Up to 500.000 MZN for PRSF - 16,00%​
    • Up to 1.000.000 MZN for PRSF - 14,00%​
    • Above 1.000.000 MZN for PRSF - 12,00%​


    Interest payment

    Interest rates are paid monthly.

    Early mobilization

    Allow total or partial mobilization at any moment of the deposit term, with a penalty on interest of the month in which the liquidation or withdrawal takes place.

    Capitalization Scheme

    The interest credit on the current account is optional. For such, the account holder is required to submit a declaration where he/she manifests this intention and notify the Bank on the date of the establishment or subsequent deadlines. In this last case, the credit of interest on current account will only apply to periods of subsequent interest.

    Access conditions

    Have a current account;
    The Client is obligated to establish monthly settlements in the Plano Poupança Saúde constitution act.


    365 days


    The application will be automatically renewed for an identical period, with the interest rate on the date of term deposit renewal date and published in the Bank's price list available for consultation at any Millennium bim branch.


    Allow programmed and/or occasional reinforcements from 1.00 MZN. The interest rate applicable to each delivery will be the one in force on the date of the reinforcement.

    Capital guarantees

    Guarantee the entire amount deposited at maturity or in case of early mobilization.

    To establish this term deposit ​you can either:

    1.    Visit the nearest Millennium bim branch; or

    2.    Access your Internet Banking account and follow the steps bellow:

    a.    Select the current account that will be associated to the term-deposit;

    b.    Define the minimum amount of constitution and determine whether the interest will be credited into your current account or compounded into the term deposit;

    c.     Confirm the establishment of the term deposit;

                          ​d.    Print the proof of the term deposit establishment.


    ​Tax Policy

    Deposit’s Revenues are subject to withholding corresponding to Stamp Duty (Imposto de Selo) at a rate of 10% (IRPS Code Law No. 33/2007 of 31 December).