You can file a complaint against any credit institution, financial company, payment institution or electronic money institution that is on the list of institutions registered with Banco de Portugal. You can also file a complaint against any credit intermediary.

If the subject of the complaint relates to investment funds and securities or to insurance and pension funds, you should contact the Portuguese Securities Market Commission (CMVM) or the Portuguese Insurance and Pension Funds (ASF), respectively.

For issues relating to taxation, the competent authority is the Portuguese Tax and Customs Authority.

The Banco de Portugal also has no jurisdiction to assess complaints regarding payment service providers operating in Portugal under the freedom to provide services. In this case, you should inquire about the payment service provider’s country of origin, consulting the list of institutions authorised by Banco de Portugal, and the entity in that country that has jurisdiction over complaints. The latter information can be obtained on the website of the European Banking Authority in the case of payment service providers based in the European Union.

Furthermore, the Banco de Portugal has no jurisdiction to assess complaints against entities that act as pawnbrokers (i.e. granting credit secured by pledge over assets – typically, gold, silver or jewellery).