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.
As transferências permitem que um ordenante (por exemplo, um particular ou uma empresa) movimente fundos entre contas de pagamento, colocando-os à disposição do beneficiário.
O ordenante e o beneficiário das transferências podem ser a mesma entidade.
Depending on the location of the payment accounts, transfers can be:
Intrabank transfers – when carried out between accounts in the same payment service provider;
Interbank transfers – when carried out between accounts opened at different payment service providers. Depending on the location of the providers, they can be:
Domestic – when providers are located in the same country;
Cross-border – when providers are located in different countries.
Depending on the payment model used, credit transfers may be:
SEPA (Single Euro Payments Area) transfers – Euro credit transfers through harmonised systems in the SEPA area; these systems allow these operations to be carried out under the same rules, in a quicker and transparent manner;
Non-SEPA transfers – credit transfers made through non-harmonised systems, where the payer’s customer service provider, the beneficiary or both are not based in the SEPA area, or transfers which are made in a currency other than the euro, even when performed between payment service providers that are part of the SEPA area.
The SEPA payment scheme allows any customer (individual persons, companies and public administration bodies) located in the SEPA area to issue and receive credit transfers in euros through a single account and according to the same rules.
Payment service users should use the IBAN (international bank account number) as the identifier of payment accounts. Should the payers not be consumers or micro-enterprises, the ISO 20022 XML message format must be used when communicating with payment service providers to send bundled transfers.
The countries that make up the SEPA area are:
the 28 European Union Member States – Austria, Belgium, Bulgaria, Cyprus, Croatia, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom;
Iceland, Liechtenstein and Norway (countries which, along with the aforementioned, constitute the European Economic Area);
Monaco, San Marino and Switzerland.
The sender (or the beneficiary) of the credit transfer may not demand that the payment account of the beneficiary (or the sender) be situated in a particular Member State.
Site do Banco de Portugal - Transferências
Site do Banco de Portugal - IBAN
Regulamento (EU) n.º 248/2014
Regime Jurídico dos Serviços de Pagamento e da Moeda Eletrónica
Transferências - como ordenar
Transferências - direitos e deveres
Materiais sobre transferências a crédito