Portugal banking app - connect 23+ banks in one place
- Active connectors
- 23
- Retail coverage
- 95%
- Regulator
- BdP
- Currency
- EUR
Why Bank AI
Three things you should know:
Portugal implements PSD2 via Banco de Portugal and is among the most digitalised retail banking markets in Southern Europe.
MB WAY (Multibanco) is the dominant peer-to-peer payment rail and is exposed by all major Portuguese banks.
The Caixa Agricola network alone counts roughly 75 cooperative banks across rural Portugal.
Banks we support
Caixa Geral de Depositos
Major retailPortugal's largest bank, state-owned.
Millennium BCP
Major retailLargest private commercial bank in Portugal.
Novo Banco
Major retailSuccessor of Banco Espirito Santo, focused on retail and corporate.
Santander Totta
Major retailPortuguese retail arm of Banco Santander.
BPI
Major retailOwned by CaixaBank since 2017, with a strong urban footprint.
Activobank
Direct bankDirect bank within the Millennium BCP group.
Banco Best
Direct bank / brokerageOnline bank and brokerage owned by Novo Banco.
International banks available here
Revolut
International neobankPortuguese customers are served by Revolut Bank UAB under the Lithuanian banking licence, passported across the EEA.
N26
International neobankBerlin-headquartered neobank operating in Portugal under its German banking licence (BaFin).
Wise
International accountMulti-currency account; in Portugal Wise operates via Wise Europe SA under its Belgian e-money licence.
Networks and groups
- Caixa de Credito Agricola Mutuo(75+)National network of cooperative agricultural credit banks.
- Caixas Economicas(5+)Mutual savings banks, including Caixa Economica Montepio Geral.
Don't see your bank?
Bank AI's coverage extends well beyond the names listed here, including the long tail of cooperative, regional and online-only institutions. If your bank isn't shown, get in touch and we'll confirm coverage.
How Bank AI works
1. Connect your accounts
Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.
2. See the whole picture
Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.
3. Let the AI do the heavy lifting
Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.
Regulation and trust
Banco de Portugal (BdP)PSD2 (Portuguese implementation)
How Bank AI compares
| Bank AI | Other tools | |
|---|---|---|
| Multi-bank, multi-country view | Yes | Partial |
| AI assistant grounded in your real data | Yes | No |
| EU data residency, GDPR by default | Yes | Partial |
| Crypto-ready (in build) | Partial | No |
Frequently asked questions
Que bancos portugueses se podem ligar ao Bank AI?
O Bank AI liga-se aos principais bancos portugueses (Caixa Geral de Depositos, Millennium BCP, Novo Banco, Santander Totta, BPI), ao Activobank, ao Banco Best e a rede Caixa de Credito Agricola. Sao 23 conectores activos no total.
O Bank AI esta regulado em Portugal?
O Bank AI e uma aplicacao de gestao financeira, nao e um banco. O acesso aos dados das contas e feito atraves de parceiros de open banking autorizados como AISP sob PSD2, supervisionados pelo Banco de Portugal ou por outra autoridade europeia equivalente.
O Bank AI funciona com MB WAY e Multibanco?
MB WAY e uma camada de pagamentos sobre os bancos portugueses. O Bank AI ve os movimentos MB WAY desde que estejam expostos pelo banco de origem via PSD2 - o que ja e o caso na maioria dos bancos portugueses.
Posso consolidar contas em Portugal e Espanha?
Sim. O Bank AI consolida contas em qualquer combinacao de paises do Espaco Economico Europeu - Portugal, Espanha, Franca, Alemanha, Italia, etc.
Also available in
Ready for one clear picture?
🇵🇹 Portugal
Get the app