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.
If you have a dispute with a credit servicer, you may resort to an alternative dispute resolution body instead of going to court.
Find information on the alternative dispute resolution bodies to which your credit servicer has adhered and to which you can resort.
The information provided corresponds to the data reported to the Banco de Portugal by credit servicers.
Alternative dispute resolution is, as a rule, a faster, simpler and less burdensome way for customers and credit servicers to settle their disputes without the need to go to court.
An alternative dispute resolution body acts as an impartial third party between the debtor and the credit servicer. This body may:
Credit servicers authorised to carry out this activity in Portugal and other entities authorised to provide credit servicing activities are obliged to offer effective and adequate out-of-court dispute resolution procedures.
For that purpose, they must adhere to at least two alternative dispute resolution bodies that are part of the consumer arbitration network, disclosed on the Consumer Website (in Portuguese only).
Disputes relating to debtors’ rights and to the obligations of credit servicers (provided for in the scheme approved by Decree-Law No 103/2025) (in Portuguese only), regardless of the value of the dispute, are covered by this scheme.
Credit servicers
Out-of-court dispute resolution bodies
ALGEBRA CAPITAL, LDA
Centro de Arbitragem de Conflitos de Consumo de LisboaCentro Nacional de Informação e Arbitragem de Conflitos de Consumo
BOLSIMO - GESTÃO DE ACTIVOS, S.A
Centro de Arbitragem de Conflitos de Consumo de LisboaCentro de Informação de Consumo e Arbitragem do Porto
DUO CAPITAL, S.A.
R4B CAPITAL, LDA.
Centro de Arbitragem de Conflitos de Consumo de LisboaCentro de Arbitragem de Conflitos de Consumo da Região de Coimbra
RECACTIV - RECUPERAÇÃO DE ACTIVOS, S.A.
Centro de Informação de Consumo e Arbitragem do PortoCentro Nacional de Informação e Arbitragem de Conflitos de Consumo
SERVDEBT, CAPITAL ASSET MANAGEMENT, S.A.
SOLICIGEST, UNIPESSOAL LDA
Centro de Informação, Mediação e Arbitragem de Consumo (Tribunal Arbitral de Consumo)Centro de Informação de Consumo e Arbitragem do Porto
STELLARVEST ASSET MANAGEMENT, UNIPESSOAL LDA