Bank AI
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Portugal

Bank-App fur Portugal: 23+ Banken in einer App

Aktive Bank-Anbindungen
23
Marktabdeckung
95%
Aufsichtsbehorde
BdP
Wahrung
EUR

Warum Bank AI

Drei Dinge, die du wissen solltest:

  • 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.

Unterstutzte Banken

  • 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.

Auch hier verfugbar: internationale Banken

  • Revolut

    International neobank

    Portuguese customers are served by Revolut Bank UAB under the Lithuanian banking licence, passported across the EEA.

  • N26

    International neobank

    Berlin-headquartered neobank operating in Portugal under its German banking licence (BaFin).

  • Wise

    International account

    Multi-currency account; in Portugal Wise operates via Wise Europe SA under its Belgian e-money licence.

Netzwerke und Verbunde

  • Caixa de Credito Agricola Mutuo(75+)National network of cooperative agricultural credit banks.
  • Caixas Economicas(5+)Mutual savings banks, including Caixa Economica Montepio Geral.

Deine Bank fehlt?

Bank AI deckt deutlich mehr Institute ab als hier aufgefuhrt - inklusive Genossenschaftsbanken, Regionalbanken und reiner Online-Anbieter. Wenn deine Bank nicht dabei ist, schreib uns - wir bestatigen die Abdeckung.

Abdeckung prufen

So funktioniert Bank AI

  1. 1. Konten verbinden

    Banken, Broker, Vorsorgekonten und Krypto-Wallets uber PSD2-lizenzierte Open-Banking-Partner anbinden - standardmassig nur lesend.

  2. 2. Gesamtbild sehen

    Vermogen, monatlicher Cashflow, Ausgaben, Sparen, Investments und Krypto - in deiner Heimwahrung, automatisch aktualisiert.

  3. 3. Die KI uebernimmt das Heben

    Kategorisierung, Anomalie-Warnungen, Sparprognosen und ein Chat, der deine Finanzfragen in Klartext beantwortet.

Regulierung und Vertrauen

Banco de Portugal (BdP)PSD2 (Portuguese implementation)

Bank AI im Vergleich

Bank AIOther tools
Multibank, landerubergreifendJaTeilweise
KI-Assistent auf Basis echter DatenJaNein
EU-Datenresidenz, DSGVO standardmassigJaTeilweise
Krypto-ready (in Vorbereitung)TeilweiseNein

Haufig gestellte Fragen

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.

Auch verfugbar in

Bereit fur Klarheit?

🇵🇹 Portugal

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