What is a basic bank account?
Access to the credit intermediary activity
List of authorised credit intermediaries
How to protect yourself from online fraud?
Know your rights when making payments in Europe.
Do you know what the gross domestic product is? What about inflation? (only in Portuguese)
Key tips to protect yourself when choosing online or mobile banking services.
Bank customers who face difficulties in complying with their obligations under credit agreements may use the Assistance Network for Indebted Consumers.
This network comprises entities whose mission is to inform, advise and assist bank customers at risk of default or already in arrears with credit instalments.
Access to these entities is free of charge.
The entities making up the out-of-court assistance network for bank customers have the following mission:
These entities may not:
Intervention of the entities making up the Assistance Network for Indebted Consumers ends if legal proceedings are proposed by the credit institution involved in the credit agreement to which the assistance provided relates. Bank customers must inform the credit institution of this fact.
The entities making up the out-of-court assistance network for must comply with principles of independence, impartiality, lawfulness and transparency.
The assistance provided to bank customers must be swift and must follow high technical standards.
Customers are advised and assisted on a confidential basis. All employees and staff of the entities making up the assistance network for indebted consumers and that participate in the process are bound by professional secrecy.
The Assistance Network for Indebted Consumers is made up of centres of information and arbitrage for consumer conflict, regardless of their name, authorised to carry out the activities of information, mediation, conciliation and arbitrage and for legal persons governed by public or private law, accredited by the Directorate-General for Consumers, following an opinion issued by Banco de Portugal.
The legal persons governed by public or private law that aim to be a part of the Assistance Network for Indebted Consumers shall present a request for accreditation through the form available online for the purpose at the Consumers’ Website (Executive Order No. 2/2013, of 2 January 2013) issued by that Directorate-General.
The entities that make up the Assistance Network for Indebted Consumers are listed on the Consumer Website of the Directorate-General for Consumers (only in Portuguese) and here.
Consumer Website of the Directorate-General for Consumers (only in Portuguese)
Executive Order No 2/2013 (only in Portuguese)