Portuguese Phrase
Tem contas especiais para estudantes?
Meaning
The sentence asks whether there are special (often discounted or fee‑free) bank accounts designed specifically for students. It is a typical inquiry when looking for financial products that offer benefits such as lower fees, free transfers, or student‑only perks.
When to use
Use this question at a bank branch, in a customer‑service chat, or when speaking with a university’s financial office to find out if student‑focused accounts are available. It works both in casual conversation and in semi‑formal settings, though a more formal version would use 'Existe' or 'Há'.
✦Grammar Breakdown
Temcontasespeciaisparaestudantes?
Tem (ter)
Third‑person singular of 'ter' used impersonally to mean 'there is/are' in questions; informal alternative to 'há' or 'existe'.
contas (noun)
Feminine plural noun meaning 'accounts'; agrees with the adjective that follows.
especiais (adjective)
Adjective in plural form matching the gender and number of 'contas'.
para (preposition)
Introduces the beneficiary or purpose; here it links the accounts to 'estudantes'.
estudantes (noun)
Plural noun (masc./fem.) meaning 'students'; can refer to a mixed group.
🗨In Conversation
Tem contas especiais para estudantes?
Are there special accounts for students?
Sim, temos a conta universitária que isenta a tarifa de manutenção.
Yes, we have a university account that waives the maintenance fee.
✕Common Mistakes
Tem contas especiais para estudante?
In very formal writing 'Existe' or 'Há' is preferred; 'Tem' sounds colloquial.
Tem contas especiais para estudante?
The adjective must agree in number with 'contas'; use the plural 'estudantes'.
Tem conta especial para estudantes?
If you use a singular noun, the adjective must be singular too (e.g., 'conta especial').
↔Alternatives
Existe conta universitária?
Is there a university account?
Há contas com vantagens para estudantes?
Are there accounts with advantages for students?
Vocês oferecem conta especial para estudantes?
Do you offer a special account for students?
Cultural Tip
In Brazil most major banks provide a 'conta universitária' that removes monthly fees, but they usually require a valid student ID or enrollment proof. The verb 'tem' is perfectly natural in everyday speech, yet in written or very formal contexts you might prefer 'existe' or 'há'. Also, be aware that some regional banks may call the product 'conta estudante' instead of 'conta universitária'.