Institutions that provide basic bank accounts

Basic bank accounts are provided by all credit institutions authorised to receive deposits in Portugal (banks, savings banks, the Central Mutual Agricultural Credit Bank and Mutual Agricultural Credit Banks) that provide to the public the services included in basic bank accounts.

The credit institutions that provide banking services under this regime are:

Credit institution Basic bank accounts – Standardised information sheet
Abanca Corporation Bancária SIS
Banco Activobank SIS
Banco Atlântico Europa SIS
Banco BAI Europa SIS
Banco BIC Português SIS
Banco Bilbao Vizcaya Argentaria SIS
Banco Comercial Português SIS
Banco de Investimento Global SIS
Banco do Brasil SIS
Banco Invest SIS
Banco Santander Totta SIS
Bankinter SIS
Best – Banco Electrónico de Serviço Total SIS
Caixa de Crédito Agrícola Mútuo da Chamusca SIS
Caixa de Crédito Agrícola Mútuo de Bombarral SIS
Caixa de Crédito Agrícola Mútuo de Leiria SIS
Caixa de Crédito Agrícola Mútuo de Mafra SIS
Caixa de Crédito Agrícola Mútuo de Torres Vedras SIS
Caixa Económica da Misericórdia de Angra do Heroísmo SIS
Caixa Económica Montepio Geral SIS
Caixa Geral de Depósitos SIS
Crédito Agrícola* SIS
Novo Banco SIS
Novo Banco dos Açores  SIS


* The 80 mutual agricultural credit banks integrated into the Integrated Mutual Agricultural Credit System apply the SIS of the Central Mutual Agricultural Credit Bank.

Credit institutions indicate at their branches and in the places of service to the public the provision of basic bank accounts through the dissemination of a poster, which includes information on the conditions of access and maintenance of the basic bank accounts, the services provided and the alternative dispute resolution procedures available to holders.


Credit institutions should also inform customers who hold current accounts of the possibility of converting these accounts into basic bank account in the first statement of each year. Together with this statement, credit institutions are required to send an information document on basic bank accounts.

This document contains information on the main characteristics of the basic bank accounts, so that the customer interested in converting his current account into the basic bank account can assess whether he fulfils the respective conditions of access.