Yes. Banco Finantia operates with a specialized focus on Private Banking and Corporate & Investment Banking, maintaining financial strength and profitability ratios above the national and European averages.
Our credibility is reinforced by international rankings, awards granted by independent entities, and the high level of satisfaction among our clients.
Banco Finantia began its activity in 1987 as a financial services company. In 1988, it evolved into an Investment Company and, since 1992, has operated as a bank, consolidating a track record of solidity and growth.
Yes. Banco Finantia is a financial institution incorporated under Portuguese law, with predominantly national private capital. Over the past decades, it has developed an international expansion strategy through subsidiaries and representative offices, with a presence in Spain, the United Kingdom, the United States of America, and Malta.
As of 31 December 2024, Banco Finantia reported approximately €2,483 million in total assets, more than €484 million in equity, and around 250 employees on a consolidated basis.
Banco Finantia’s head office is located in Lisbon, at Rua General Firmino Miguel, 5, 1600-100 Lisbon – Portugal.
To view the remaining locations of our offices and subsidiaries, please visit the “Where We Are” page.
Individuals or entities wishing to place deposits starting from €50,000, or who are interested in the investment solutions offered by the Bank, may become clients of Banco Finantia.
Yes. Banco Finantia provides a homebanking service accessible via desktop and mobile, available 24 hours a day.
Yes. You may access your account information online, 24 hours a day, through Banco Finantia’s homebanking service. Alternatively, you may obtain support by telephone or through direct contact with your relationship manager.
Through the homebanking service, you may view statements, balances, and transactions, access information on contracted products and financial assets, set up term deposits, and complete or update your investor profile.
You may also obtain and print banking documentation and carry out online transfers securely, subject to a pre-established daily limit, which you may change.
Updates to your address, telephone contacts, or email address must be requested in writing, using the email address associated with your account.
Yes. Banco Finantia allows international transfers to be carried out, in accordance with the applicable limits, procedures, and regulations.
Yes. You may log in to the homebanking service and schedule a transfer to an external account on any day, including weekends and public holidays. Transfers are processed on the next business day. If the instruction is submitted on a non-business day, it will be executed on the first subsequent business day.
A deposit account with Banco Finantia may be opened through different channels, in a simple and secure manner.
In Portugal and Spain, the account may be opened in person at Banco Finantia’s premises. The full list of respective addresses is available on the “Where We Are” page.
Alternatively, you may open your account online through a convenient and intuitive digital process. All the necessary information is available on the Online Account Opening page.
If you prefer, you may also visit a CTT branch and submit the required documentation to open an account, under the protocol established with Banco Finantia.
To open an account with Banco Finantia, you must provide a valid identification document.
No additional linkage to Banco Finantia is required for the opening and maintenance of a current account. Clients may open and maintain their account without the obligation to subscribe to any additional products or services.
Yes. It is possible to associate more than one account holder with the same account. The inclusion of additional holders is subject to the submission of the required documentation for each party, in accordance with the requirements defined by Banco Finantia.
Your account may be operated through bank transfers, carried out in accordance with the pricing schedule in force, using homebanking, the app, with the support of your account manager, or through in-person service at a Banco Finantia branch.
They depend on the ownership regime defined at account opening:
Clients with an overall relationship of €50,000 or more benefit from a full exemption from account maintenance fees.
After your account has been opened, you will receive an initial email to confirm and validate your details.
Once this validation has been completed, a second email will be sent with all the relevant account information, including your client details, account number, IBAN, SWIFT code, and homebanking access credentials.
These two steps confirm that your account is active and ready to be used.
Instant transfers are payment transactions that allow funds to be transferred between bank accounts within the SEPA (Single Euro Payments Area) in real time, available 24 hours a day, 7 days a week.
Unlike traditional transfers, which may take several hours or even business days to be processed, instant transfers are completed in just a few seconds, regardless of the day or time at which they are made.
To make an instant transfer, simply access Homebanking or the FinantiaNet app and follow the steps below:
If you wish to issue an Instant Transfer Order at a branch or by email, you must complete the Bank Transfer Order Form, which will be provided by your relationship manager.
Instant transfers offer several advantages for our clients:
By default, there is a daily limit of €20,000 for transfers, applicable to both standard and instant transfers. This limit may be changed by the client through homebanking or by contacting their relationship manager directly.
The change of the limit may be requested in the following ways:
Whenever the request is made directly to your relationship manager, the limit change becomes effective immediately.
The client may define either a daily limit or a per-transaction limit. The daily limit corresponds to the maximum amount that may be transferred in a single day, resulting from the sum of all transactions carried out, and the total daily amount may not exceed the defined limit while it is in force. The per-transaction limit applies individually to each transfer, and multiple transfers may be made provided that none exceeds the established amount.
If the client sets a limit lower than €20,000 (the default limit defined by the Bank), this will become the new limit in force until a further change instruction is given. In cases where a limit increase is requested, the higher amount will remain active for 24 hours, after which it will revert to the previously configured limit, the default limit of €20,000, or a lower amount previously defined by the client.
No. They have the same cost as normal transfers, according to the applicable price list.
No. Instant transfers are only available for accounts within the SEPA area.
It is not possible to make instant transfers to accounts outside the SEPA area or to accounts in foreign currencies, such as dollars or other currencies.
SPIN (Instant Payments System) is a solution that allows you to make and receive bank transfers instantly using only the recipient’s mobile phone number and/or Tax Identification Number (NIF), without the need to enter the IBAN.
This feature was developed to provide a faster, simpler, and more secure payment experience, suited to everyday needs while ensuring high standards of efficiency and reliability in transactions.
To activate this feature, you must access your Personal Area through the Homebanking service, either on your computer or via the FinantiaNet app, and select the “SPIN” option.
In this area, you will need to register the mobile phone number you wish to associate with your account for direct transfers.
It is important to ensure that this number corresponds to the one registered in Homebanking.
Within the scope of SPIN, it is not permitted to associate the same mobile phone number with more than one IBAN. Therefore, you must select the account to which you wish to link your number for the purpose of receiving transfers through this service.
However, it is possible to associate multiple mobile phone numbers with the same IBAN. This means that different holders of the same account may link their respective mobile phone numbers, allowing each holder to receive transfers directly to their own number.
Yes. Once SPIN has been activated, you simply need to share your mobile phone number with the person initiating the transfer. The system will automatically identify your associated account, and the amount will be credited instantly.
Yes, SPIN is secure. Before completing the transfer, the system displays the name of the account holder associated with the mobile phone number entered. This allows you to verify the recipient’s identity and confirm that you are sending the amount to the correct person.
CoP (Confirmation of Payee) is an automatic service that immediately displays the name of the first account holder associated with the IBAN, mobile phone number, or Tax Identification Number (NIF) entered when initiating a transfer.
This mechanism allows the user to confirm the recipient’s identity before completing the transaction, enhancing security and reducing the risk of incorrect transfers.
CoP is available for online transfers through Homebanking or the FinantiaNet app.
VoP (Verification of Payee) is a feature that allows you to verify whether the name of the beneficiary indicated as the recipient of a transfer matches any of the holders of the account to which you intend to make the transaction.
The system checks whether the beneficiary’s name provided (if different from the first account holder already displayed by CoP) corresponds to one of the holders of the destination account. In this way, it helps ensure that the transfer is being made to the correct account and beneficiary.
When initiating a transfer and entering the recipient’s IBAN, mobile phone number, or Tax Identification Number (NIF), the system automatically displays the name of the corresponding account holder (CoP). At this stage, the user may confirm that name or indicate another legitimate beneficiary, such as a joint account holder.
VoP verifies whether the name entered corresponds to one of the holders of the destination account. If any discrepancy is detected, the system issues an alert, allowing the user to correct the information before completing the transaction.
No. These services are automatically available on Banco Finantia’s digital platforms, with no need for subscription or activation by the user.
Banco Finantia’s Corporate & Investment Banking division is the specialized area dedicated to supporting companies through financing solutions, financial advisory services, and capital markets transactions, operating both in Portugal and in international markets.
National and international companies that require financing solutions, capital restructuring, debt issuance, or advisory services in strategic transactions, including mergers, acquisitions, and other growth or corporate reorganization initiatives.
Yes. Banco Finantia has a strong international presence and extensive experience in cross-border transactions, supported by a network of partners in major financial centres. This global reach enables the Bank to support companies in international transactions with efficiency, rigor, and close engagement.
Banco Finantia carries out capital markets transactions that include bond placements, including green bonds, and the issuance of commercial paper, acting as a dealer or as a placing agent in programmes of varying amounts and maturities. These transactions are structured to support companies’ financing needs, ensuring efficiency, regulatory compliance, and access to national and international investors.
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