Credit Intermediation
We are credit intermediaries certified by the Bank of Portugal Optifinance, Intermediação de Crédito, Lda. a commercial company with the NIPC 517272873, with headquarters at Rua Joaquim António de Aguiar, nr43, 3º Drt 1070-150 Lisboa, carries out the activity of credit intermediation in the category of linked, under the terms of article 3 of Decree-Law no. 81-C/2017.The company is registered with the Bank of Portugal under registration number 0007221, which can be verified on the Bank of Portugal website(https://www.bportugal.pt/intermediariocreditofar/optifinance-intermediacao-de-credito-lda).
Optifinance, Intermediação de Crédito Lda. does not grant credit, and its activity is merely intermediation, in accordance with the law.
Optifinance, Intermediação de Crédito, Lda is registered as a Linked Credit Intermediary.
Credit intermediaries are prohibited from receiving or delivering any amounts related to the formation, execution and early performance of credit agreements, under the terms of article 46 of the legal framework for credit intermediaries, approved by Decree-Law no. 81-C/2017, of July 7.
Partners
- BANCO CTT, S.A.
- BANCO BPI S.A.
- SICAM – CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO
- ABANCA CORPORACIÓN BANCARIA, S.A., SUCURSAL EM PORTUGAL
- BANCO SANTANDER TOTTA, S.A.
- BANKINTER, S.A. – SUCURSAL EM PORTUGAL
- NOVO BANCO, S.A.
- CAIXA GERAL DE DEPÓSITOS, S.A.
- BNI – BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A.
Liability Insurance
- Mortgage Credit – Entity guaranteeing civil liability for mortgage credit activity – Hiscox, S.A. Sucursal em Portugal, Policy no. 2533547 valid from 21/12/2025 until 20/12/2026;
- Crédito ao Consumo – Entity guaranteeing civil liability for consumer credit activity – Hiscox, S.A. Sucursal em Portugal, Policy no. 2533548 valid from 21/12/2025 until 20/12/2026.
Dispute resolution:
Optifinance, Credit Intermediation, Lda informs, under the terms and for the purposes provided in Law 144/2015, of September 8, that in case of dispute, the consumer can resort to an Alternative Consumer Dispute Resolution Entity: