Application bancaire Portugal: 23+ banques dans une seule app
- Connecteurs actifs
- 23
- Couverture du marche
- 95%
- Autorite de tutelle
- BdP
- Devise
- EUR
Pourquoi Bank AI
Trois choses a savoir:
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.
Banques prises en charge
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.
Banques internationales disponibles ici
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.
Reseaux et groupes
- Caixa de Credito Agricola Mutuo(75+)National network of cooperative agricultural credit banks.
- Caixas Economicas(5+)Mutual savings banks, including Caixa Economica Montepio Geral.
Votre banque n'est pas listee?
La couverture de Bank AI va bien au-dela des marques affichees ici, y compris les banques cooperatives, regionales et 100% en ligne. Si la votre n'apparait pas, contactez-nous et nous confirmerons la prise en charge.
Comment Bank AI fonctionne
1. Connectez vos comptes
Banques, courtiers, retraite et portefeuilles crypto via des partenaires d'open banking agrees PSD2. En lecture seule par defaut.
2. Voyez l'ensemble
Patrimoine, cash-flow mensuel, depenses, epargne, investissements et crypto - dans votre devise, rafraichis automatiquement.
3. Laissez l'IA faire le gros du travail
Categorisation, alertes d'anomalies, projections d'epargne et un chat qui repond en langage clair sur votre argent.
Regulation et confiance
Banco de Portugal (BdP)PSD2 (Portuguese implementation)
Bank AI face aux alternatives
| Bank AI | Other tools | |
|---|---|---|
| Multi-banque, multi-pays | Oui | Partiel |
| Assistant IA fonde sur vos vraies donnees | Oui | Non |
| Donnees hebergees en UE, RGPD par defaut | Oui | Partiel |
| Crypto-ready (en construction) | Partiel | Non |
Questions frequentes
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.
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🇵🇹 Portugal
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