• Benefits
  • Remuneration
  • Features
  • How to apply
  • Legal Notice

​​Through Millennium IZI or Smart IZI, establish the IZI term deposit and benefit from the following advantages:

  • ​​Possibility to establish this deposit from anywhere in the world;
  • Guaranteed capital and assured liquidity;
  • Simple, safe and ideal application to monetize your savings.

With this deposit, save wherever you are!

Interest rates​

Annual Gross Nominal Rate (TANB):


Minimum amount of constitution

Interest rate

1.00 MT



30 Days.

When establishing a term deposit, the debt value date in the current account is that of the day of the subscription date (D-day) as well as the respective credit held in the Client’s savings account.

At maturity and/or total or partial prepayment the applicable date (D) of the term deposit will be that of the credit value in the Client’s current account

Interest payment

Interests are paid monthly and credited to the deposit account for capitation.


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

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

Capitals warrant

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

Access Conditions

Individual Customers with access to Millennium IZI or Smart IZI services.

  • ​Minimum amount of constitution: 1.00 MZN;
  • Minimum amount of reinforcement: 1.00 MZN;
    Early mobilization subject to penalty.​
  • See how simple it is to set up the IZI term deposit:

    Millennium IZI:
    Access IZI (*181 #) and go through the following steps:
    Select the "IZI Savings" option >
     Open >  Define the amount of constitution > Confirm the constitution of the term deposit.

    Smart IZI:
    Access the application >
      In the main menu select “accounts” > Term deposit > Click on the "Create" symbol > Define the amount of constitution > Confirm the constitution of the term deposit.

    Tax Policy

    Deposit’s Revenues are subject to tax withholding corresponding to Stamp Duty (Imposto de Selo), at a 10% rate (IRPS Code, Law nr 33/2007 dated 31 of December).