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Access to the credit intermediary activity
List of authorised credit intermediaries
How to protect yourself from online fraud?
Are you a bank customer? Banco de Portugal has a set of services for you
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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.
Each week, Banco de Portugal publishes information on the number of authorisation requests submitted, approved and rejected. 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 12 January 2019, 5,405 authorisation requests had been received, of which 4,099 were under review by Banco de Portugal on that day. 1,136 authorisation requests were approved and 170 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.
List of registered credit intermediaries (xlsx)
List of entities qualified to operate as credit intermediaries
List of credit institutions, financial companies, payment institutions and electronic money institutions providing credit intermediation services or consultancy services regarding credit contracts in which they do not participate as lenders
Credit intermediaries – what are they
Credit intermediaries – authorised
Credit intermediaries – access to the activity