{"id":7216,"date":"2025-12-10T11:43:22","date_gmt":"2025-12-10T11:43:22","guid":{"rendered":"http:\/\/213.146.202.110\/?page_id=7216"},"modified":"2026-08-11T08:31:31","modified_gmt":"2026-08-11T08:31:31","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.finantia.com\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t
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Frequently Asked Questions<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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About Banco Finantia<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Is Banco Finantia a safe bank? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia operates with a specialized focus on Private Banking and Corporate & Investment Banking<\/strong>, maintaining financial strength and profitability ratios above the national and European averages.<\/p>\n

Our credibility is reinforced by international rankings, awards<\/strong> granted by independent entities, and the high level of satisfaction among our clients.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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When was Banco Finantia founded? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Banco Finantia began its activity in 1987 as a financial services company<\/strong>. In 1988, it evolved into an Investment Company<\/strong> and, since 1992, has operated as a bank<\/strong>, consolidating a track record of solidity and growth.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is Banco Finantia a Portuguese bank? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia<\/strong> is a financial institution incorporated under Portuguese law<\/strong>, 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<\/strong>.<\/p>\n<\/div>\n

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What is the size of Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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As of 31 December 2024, Banco Finantia reported approximately \u20ac2,483 million in total assets, more than \u20ac484 million in equity, and around 250 employees <\/strong>on a consolidated basis.<\/p>\n<\/div>\n

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Where can I find Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Banco Finantia\u2019s head office is located in Lisbon, at Rua General Firmino Miguel, 5, 1600-100 Lisbon \u2013 Portugal<\/strong>.<\/p>\n

To view the remaining locations <\/strong>of our offices and subsidiaries, please visit the \u201cWhere We Are<\/a>\u201d page.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Who can become a client of Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Individuals or entities wishing to place deposits starting from \u20ac50,000<\/strong>, or who are interested in the investment solutions offered by the Bank<\/strong>, may become clients of Banco Finantia.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Does Banco Finantia has a Homebanking platform? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia provides a homebanking service accessible via desktop and mobile<\/strong>, available 24 hours a day.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Homebanking and Transactions<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Can I access my account information through Homebanking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. You may access your account information online, 24 hours a day<\/strong>, through Banco Finantia\u2019s homebanking service. Alternatively, you may obtain support by telephone or through direct contact with your relationship manager<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What type of information is available via Homebanking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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.<\/p>\n

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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How can I change my primary address, phone number or email address? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Updates to your address, telephone contacts, or email address must be requested in writing, using the email address associated with your account<\/strong>.<\/p>\n<\/div>\n

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Can I transfer funds to an international account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia allows international transfers <\/strong>to be carried out, in accordance with the applicable limits, procedures, and regulations.<\/p>\n<\/div>\n

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Can I initiate a transfer on a public holiday, Saturday or Sunday? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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<\/strong>. Transfers are processed on the next business day<\/strong>. If the instruction is submitted on a non-business day, it will be executed on the first subsequent business day.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Account Opening and Management<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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How can I open an account with Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A deposit account with Banco Finantia may be opened through different channels, in a simple and secure manner<\/strong>.<\/p>\n

In Portugal and Spain, the account may be opened in person at Banco Finantia\u2019s premises<\/strong>. The full list of respective addresses is available on the \u201cWhere We Are<\/a>\u201d page.<\/p>\n

Alternatively, you may open your account online <\/strong>through a convenient and intuitive digital process. All the necessary information is available on the Online Account Opening page<\/a>.<\/p>\n

If you prefer, you may also visit a CTT branch<\/strong> and submit the required documentation to open an account, under the protocol established with Banco Finantia.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Required documentation for account opening: <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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To open an account with Banco Finantia, you must provide a valid identification document<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is any additional relationship required with Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No additional linkage to Banco Finantia is required <\/strong>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.<\/p>\n<\/div>\n

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Can my account have more than one holder? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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.<\/p>\n<\/div>\n

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How can I operate my account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Your account may be operated through bank transfers, carried out in accordance with the pricing schedule in force, using homebanking<\/strong>, the app<\/strong>, with the support of your account manager, or through in-person service at a Banco Finantia branch.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What are the account operating conditions? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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They depend on the ownership regime defined<\/strong> at account opening:<\/p>\n

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  • Single account<\/strong>: In the name of a single holder, and may be operated only by the holder or their legal representative;<\/li>\n
  • Joint and several account<\/strong>: In the name of multiple holders, under a joint and several arrangement whereby any of the holders may carry out transactions without requiring the authorization of the others;<\/li>\n
  • Joint account: Held by multiple holders, under a joint and several arrangement whereby any holder may operate the account independently, without requiring the authorization of the others;<\/li>\n
  • Mixed account<\/strong>: In the name of multiple holders with combined joint and several and joint arrangements, with the specific operating conditions defined in writing by all holders.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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    Does the account have maintenance fees? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Clients with an overall relationship of \u20ac50,000 or more <\/strong>benefit from a full exemption from account maintenance fees.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    How do I know my account is open? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    After your account has been opened, you will receive an initial email to confirm and validate your details<\/strong>.<\/p>\n

    Once this validation has been completed, a second email will be sent with all the relevant account information<\/strong>, including your client details, account number, IBAN, SWIFT code, and homebanking access credentials<\/strong>.<\/p>\n

    These two steps confirm that your account is active and ready to be used<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Instant Transfers<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    What are instant transfers? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Instant transfers are payment transactions that allow funds to be transferred between bank accounts within the SEPA<\/strong> (Single Euro Payments Area) in real time, available 24 hours a day, 7 days a week<\/strong>.<\/p>\n

    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<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    How do instant transfers work? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    To make an instant transfer, simply access Homebanking or the FinantiaNet app<\/strong> and follow the steps below:<\/p>\n

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    1. \n
        \n
      1. \n
          \n
        1. Under Transfers<\/strong>, select New Transfer<\/strong>;<\/li>\n
        2. Under Select an option<\/strong>, choose New Transfer<\/strong>;<\/li>\n
        3. Enter the transfer recipient by providing the IBAN, mobile phone number, or Tax Identification Number (NIF\/NIPC)<\/strong>;<\/li>\n
        4. With the VOP system, the name of the first account holder<\/strong> is returned in the first field so that you can confirm that it is the correct destination account;<\/li>\n
        5. In the following field, you may enter the name of another person <\/strong>if the transfer recipient is a different holder of the account (the field will be pre-filled with the name of the first holder, but it may be edited);<\/li>\n
        6. If, on the previous screen, you entered a mobile phone number or a Tax Identification Number (NIF), the IBAN corresponding to the account will be displayed at this stage<\/strong> (with only the last four digits visible).<\/li>\n
        7. As you proceed, you will be asked to provide the necessary details for the transfer, specifically whether you would like the transfer to be standard <\/strong>or immediate<\/strong>;<\/li>\n
        8. The system will validate whether the name of the beneficiary provided matches the name of an account holder<\/strong> of the destination account:\n
            \n
          1. If it matches, the transfer may proceed;<\/li>\n
          2. If it does not match, a message will be displayed prompting you to confirm or amend the information.<\/li>\n<\/ol>\n

            <\/li>\n

            \t<\/p>\n

          3. Finally, all the transfer details will be displayed so that you can confirm the transaction before it is executed<\/strong>.<\/li>\n

            <\/ol>\n

            <\/li>\n

            <\/ol>\n

            <\/li>\n

            <\/ol>\n

            If you wish to issue an Instant Transfer Order at a branch or by email<\/strong>, you must complete the Bank Transfer Order Form<\/strong>, which will be provided by your relationship manager.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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            What are the advantages of instant transfers? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            Instant transfers offer several advantages for our clients:<\/p>\n

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            • Speed<\/strong>: Funds are made available in the recipient\u2019s account within just a few seconds, regardless of the day or time;<\/li>\n
            • Continuous availability<\/strong>: The service is available 24 hours a day, 7 days a week, including weekends and public holidays;<\/li>\n
            • Simplicity<\/strong>: The transfer may be carried out using the IBAN, mobile phone number, or Tax Identification Number (NIF\/NIPC), making the process more flexible and convenient;<\/li>\n
            • Security<\/strong>: The system validates the beneficiary\u2019s identity in advance before completing the transaction, reducing the risk of errors and fraud;<\/li>\n
            • Alignment with current needs: The service meets the growing demand for speed and autonomy in banking operations, providing a modern, efficient, and practical digital experience.<\/li>\n<\/ul>\n<\/div>\n

              <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              Are there limits? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              By default, there is a daily limit of \u20ac20,000 for transfers<\/strong>, applicable to both standard and instant transfers. This limit may be changed by the client<\/strong> through homebanking or by contacting their relationship manager directly.<\/p>\n

              The change of the limit may be requested in the following ways:<\/p>\n

                \n
              • Via homebanking, with the new limit becoming available after a 12-hour cooling-off period<\/strong>;<\/li>\n
              • By telephone<\/strong>, through direct contact with your account manager;<\/li>\n
              • At a branch or by email<\/strong>, by completing the Limit Change Instruction Form<\/strong>, provided by your relationship manager.<\/li>\n<\/ul>\n


                \nWhenever the request is made directly to your relationship manager, the limit change becomes effective immediately.<\/strong><\/p>\n

                The client may define either a daily limit or a per-transaction limit<\/strong>. The daily limit<\/strong> corresponds to the maximum amount that may be transferred in a single day,<\/strong> 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<\/strong> applies individually to each transfer<\/strong>, and multiple transfers may be made provided that none exceeds the established amount.<\/p>\n

                If the client sets a limit lower than \u20ac20,000<\/strong> (the default limit defined by the Bank), this will become the new limit in force until a further change instruction is given<\/strong>. In cases where a limit increase <\/strong>is requested, the higher amount will remain active for 24 hours<\/strong>, after which it will revert to the previously configured limit, the default limit of \u20ac20,000, or a lower amount previously defined by the client.<\/p>\n<\/div>\n

                <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Do instant transfers have additional costs? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                No. They have the same cost as normal transfers, according to the applicable price list<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Can instant transfers be made to any account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                No<\/strong>. Instant transfers are only available for accounts within the SEPA area.<\/strong><\/p>\n

                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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                SPIN<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                What is SPIN and what is it used for? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                SPIN <\/strong>(Instant Payments System) is a solution that allows you to make and receive bank transfers instantly <\/strong>using only the recipient\u2019s mobile phone number and\/or Tax Identification Number (NIF)<\/strong>, without the need to enter the IBAN.<\/p>\n

                This feature was developed to provide a faster, simpler, and more secure payment experience<\/strong>, suited to everyday needs while ensuring high standards of efficiency and reliability in transactions.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

                \n\t\t\t\t\n\t\t\t\t\t
                How can I activate SPIN on my FinantiaNet account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                To activate this feature, you must access your Personal Area <\/strong>through the Homebanking service, either on your computer or via the FinantiaNet app, and select the \u201cSPIN<\/strong>\u201d option.<\/p>\n

                In this area, you will need to register the mobile phone number<\/strong> 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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Can my mobile phone number be associated with more than one account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Within the scope of SPIN, it is not permitted to associate the same mobile phone number with more than one IBAN<\/strong>. Therefore, you must select the account to which you wish to link your number for the purpose of receiving transfers through this service.<\/p>\n

                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.<\/p>\n<\/div>\n

                <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Can I receive transfers using only my mobile phone number? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Yes. Once SPIN has been activated, you simply need to share your mobile phone number with the person initiating the transfer<\/strong>. The system will automatically identify your associated account, and the amount will be credited instantly.<\/p>\n<\/div>\n

                <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Is SPIN secure? How do I know I am transferring to the right person? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Yes, SPIN is secure<\/strong>. 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\u2019s identity and confirm that you are sending the amount to the correct person.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                VoP and CoP<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                What is the CoP (Confirmation of Payee) service? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                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)<\/strong> entered when initiating a transfer.<\/p>\n

                This mechanism allows the user to confirm the recipient\u2019s identity before completing the transaction, enhancing security and reducing the risk of incorrect transfers.<\/p>\n

                CoP is available for online transfers<\/strong> through Homebanking or the FinantiaNet app<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                What is the VoP (Verification of Payee) service? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                VoP (Verification of Payee) is a feature that allows you to verify whether the name of the beneficiary indicated as the recipient<\/strong> of a transfer matches any of the holders of the account to which you intend to make the transaction.<\/p>\n

                The system checks whether the beneficiary\u2019s 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<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                How do VoP and CoP work during a transfer? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                When initiating a transfer and entering the recipient\u2019s IBAN, mobile phone number, or Tax Identification Number (NIF), the system automatically displays the name of the corresponding account holder (CoP)<\/strong>. At this stage, the user may confirm that name or indicate another legitimate beneficiary, such as a joint account holder.<\/p>\n

                VoP verifies whether the name entered corresponds to one of the holders of the destination account<\/strong>. If any discrepancy is detected, the system issues an alert, allowing the user to correct the information before completing the transaction.<\/p>\n<\/div>\n

                <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                What are the advantages of VoP and CoP? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                • They reduce the risk of error<\/strong> by preventing transfers to incorrect accounts;<\/li>\n
                • They strengthen fraud prevention<\/strong> by alerting users to situations involving inconsistent data;<\/li>\n
                • They enhance transparency and confidence<\/strong> in the transfer process;<\/li>\n
                • They operate in real time <\/strong>and are available 24 hours a day, 7 days a week;<\/li>\n
                • They are free of charge <\/strong>for the user and are automatically activated in FinantiaNet.<\/li>\n<\/ul>\n<\/div>\n

                  <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                  Do I need to subscribe to or activate VoP and CoP? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  No. These services are automatically available <\/strong>on Banco Finantia\u2019s digital platforms, with no need for subscription or activation by the user.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                  Corporate and Investment Banking<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                  What is Banco Finantia\u2019s Corporate and Investment Banking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  Banco Finantia\u2019s Corporate & Investment Banking<\/strong> division is the specialized area dedicated to supporting companies through financing solutions, financial advisory services, and capital markets transactions<\/strong>, operating both in Portugal and in international markets.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                  Who can benefit from these services? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  National and international companies <\/strong>that require financing solutions, capital restructuring, debt issuance, or advisory services in strategic transactions, including mergers, acquisitions, and other growth or corporate reorganization initiatives.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                  Does Banco Finantia have international experience? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  Yes. Banco Finantia has a strong international presence and extensive experience in cross-border<\/em> transactions<\/strong>, 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.<\/p>\n<\/div>\n

                  <\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                  What type of capital markets operations are carried out? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  Banco Finantia carries out capital markets transactions that include bond<\/strong> placements, including green bonds<\/em>, and the issuance of commercial paper<\/strong>, acting as a dealer <\/em>or as a placing agent in programmes of varying amounts and maturities. These transactions are structured to support companies\u2019 financing needs, ensuring efficiency, regulatory compliance, and access to national and international investors.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                  Contact us<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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