frequent questions
glossary
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.
Since 1 January 2018, Banco de Portugal has been responsible for authorising and registering all the natural or legal persons wanting to carry out credit intermediary activity.
The credit intermediaries authorised to carry out this activity in Portugal are published in a list issued by Banco de Portugal.
Banco de Portugal discloses information on the number of applications submitted, approved and rejected on a monthy basis. This information relates to natural or legal persons applying for authorisation to carry out credit intermediary activity. It does not cover communications on credit institutions, financial companies, payment institutions and electronic money institutions wanting to operate as credit intermediaries, nor cross-border activity notifications from other Member States' competent national authorities on the exercise of this activity in Portugal – lists for which are available on this Website.
Until August 31st 2022, 8076 authorisation requests had been received, of which 102 were under review by Banco de Portugal on that day. 5930 authorisation requests were approved and 2044 were rejected.
Source: Banco de Portugal
After the request for authorisation to carry out credit intermediary activity is received, Banco de Portugal has 90 days to notify the applicant of its decision on the request. In case of omissions or errors in the authorisation request submitted, the applicant is asked to address them, with the time period for analysing the request increasing to 180 days.
Following authorisation, the credit intermediary must be registered. As a rule, Banco de Portugal's official process for this takes place within 30 days of the authorisation notification.
On August 31st 2022, there were 5606 credit intermediaries registered, of which 5585 were authorised by Banco de Portugal and 21 by competent autorities of other Member States of the European Union.
The authorisation granted by Banco de Portugal for the exercise of credit intermediation activities may lapse (namely, if the credit intermediary expressly renounces the authorisation) or be withdrawn. The lapse or the withdrawal of the autorisation implies the deletion of the credit intermediary from the register.
Until August 31st 2022, the authorisation granted to 262 credit intermediaries has lapsed and Banco de Portugal withdrawn the authorisation granted to 92 credit intermediaries.
Lista dos intermediários de crédito registados (xlsx)
Lista de entidades habilitadas a atuar como intermediários de crédito
Lista de instituições de crédito, sociedades financeiras, instituições de pagamento e instituições de moeda eletrónica que prestam serviços de intermediação de crédito ou de consultoria relativamente a contratos de crédito em que não atuem como mutuantes
Intermediários de crédito – o que são
Intermediários de crédito – autorizados
Intermediários de crédito – acesso à atividade