What is a credit intermediary?
A credit intermediary is not a bank. It is who analyses several credit offers from different institutions and presents you with the options, saving you the trouble of going from bank to bank. We are a tied credit intermediary: we have contracts with a set of banks (the lenders) and it is they who pay us.
How much does it cost consumers?
Nothing. Under the applicable legislation, the services we provide are free of charge for the consumer. We are paid by the lenders we have contracts with, never by you.
We are authorised and supervised
We are registered with Banco de Portugal under no. 0007551 and our activity is subject to its supervision. You can confirm our registration directly on the Banco de Portugal website.
Authorised services
We are authorised to present or propose credit agreements to consumers, to provide assistance through preparatory acts or pre-contractual management, and to provide advisory services on credit agreements.
Mandatory disclosure
Gurupoupança, Unipessoal Lda, with registered office at Rua Bernardo Francisco da Costa, Loja 38-B, 2800-029 Almada, Portugal, registered as a credit intermediary with Banco de Portugal under no. 0007551, telephone 917 746 945 (call to a national mobile network); email info@gurupoupanca.pt, a registration that can be confirmed at
bportugal.pt, tied credit intermediary, with contracts with the following lenders: Caixa Geral de Depósitos, S.A., Banco Santander Totta, S.A., Bankinter, S.A. - Sucursal em Portugal, Novo Banco, S.A., SICAM - Caixa Central e Caixas de Crédito Agrícola Mútuo, Banco BPI S.A., Union de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Sucursal em Portugal, Abanca Portugal, S.A. and Banco CTT, S.A. Authorised to present or propose consumer credit agreements, to assist consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements it has not itself presented or proposed, and to provide advisory services. Activity subject to the supervision of Banco de Portugal. Professional liability insurance with Companhia de Seguros Allianz Portugal, S.A., policy no. 207030366, valid from 2025-10-10 to 2026-10-10. Under the applicable legislation, the services provided are free of charge for the consumer.
Complaints
If something goes wrong, you can complain directly to us (info@gurupoupanca.pt), through the electronic Complaints Book, or to Banco de Portugal through the Bank Customer Portal.