SPIN can be used by all payment service users, be they natural or legal persons, holding a payment account with a payment service provider offering this functionality. You can consult the list of payment service providers offering SPIN to their customers here.

SPIN is provided by all payment service provider established in Portugal participating in the instant transfer subsystem and/or the SEPA component of the credit transfer subsystem of the Interbank Clearing System (SICOI) or that, despite not participating in either subsystem, participate in the SICOI, are established in Portugal and have opted into this functionality.

The following cannot use this functionality:

• customers of payment service providers that do not participate in the SICOI;
• customers of branches of domestic payment service providers established outside Portugal (even if participating in SICOI).