Bank AI
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Portugal

Active connectors
23
Retail coverage
95%
Regulator
BdP
Currency
EUR

  • 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.

  • Caixa Geral de Depositos

    Major retail

    Portugal's largest bank, state-owned.

  • Millennium BCP

    Major retail

    Largest private commercial bank in Portugal.

  • Novo Banco

    Major retail

    Successor of Banco Espirito Santo, focused on retail and corporate.

  • Santander Totta

    Major retail

    Portuguese retail arm of Banco Santander.

  • BPI

    Major retail

    Owned by CaixaBank since 2017, with a strong urban footprint.

  • Activobank

    Direct bank

    Direct bank within the Millennium BCP group.

  • Banco Best

    Direct bank / brokerage

    Online bank and brokerage owned by Novo Banco.

International banks available here

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.

Check coverage

  1. 1. Connect your accounts

    Link banks, brokers, pensions and crypto wallets through PSD2-licensed open-banking partners. Read-only by default.

  2. 2. See the whole picture

    Net worth, monthly cash flow, spending, savings, investments and crypto - in your home currency, refreshed automatically.

  3. 3. Let the AI do the heavy lifting

    Categorisation, anomaly alerts, savings forecasts and a chat that answers plain-language questions about your money.

Banco de Portugal (BdP)PSD2 (Portuguese implementation)

Investing pillar

Account types we surface

Conta titulos, fundos

Portuguese brokerage arms expose positions via PSD2 where supported; pan-European brokers cover the ETF and equity layer used by retail investors.

Brokers covered for Portuguese investors

  • Trade Republic
  • Saxo Bank
  • Degiro
  • eToro

Brokers, wealth wrappers and exchanges connectable today

Curated subset of the wealth-capable institutions Bank AI connects in this market. Tap a card to see what positions, wrappers and tax data Bank AI surfaces for that provider.

Investing in Portugal - frequently asked questions

Which brokers does Bank AI support in Portugal?

Pan-European brokers operating in Portugal under EU passporting - Trade Republic, Saxo Bank, Degiro and eToro. Domestic conta-titulos coverage at Caixa Geral, Millennium BCP, Santander Totta and Novobanco depends on whether the connector exposes wealth data via PSD2.

Is the Portuguese capital-gains tax (IRS) calculated?

No - Bank AI is a money app, not a tax tool. The Portuguese 28 per cent capital-gains rate (or progressive option for residents) is calculated by your broker or in dedicated tax software. We surface the underlying disposals so the audit trail is clean.

Can I see cash, brokerage and crypto in one view?

Yes. Caixa Geral, Millennium BCP, ActivoBank or Revolut accounts read under PSD2 sit alongside your Trade Republic, Saxo or Degiro positions and your Coinbase or Bitpanda wallets, with EUR totals computed live.

Is Bank AI regulated for Portuguese users?

Bank AI is a money app - not a bank. Account-information access is delivered by licensed Account Information Service Providers (AISPs) supervised by Banco de Portugal or another EU regulator and passported into Portugal under PSD2.

Are dividend payments and ETF distributions tracked?

Yes. Dividend payments and ETF distributions from your broker accounts are read alongside the underlying positions, with multi-currency totals reflected in your net worth.

Bank AI investing overview →

Bank AIOther tools
Multi-bank, multi-country viewYesPartial
AI assistant grounded in your real dataYesNo
EU data residency, GDPR by defaultYesPartial
Crypto-ready (in build)PartialNo

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.

🇵🇹 Portugal

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