Banco Finantia, SA products, services and reviews

About Banco Finantia, SA

Banco Finantia, S.A. is a Portuguese bank headquartered in Lisbon and authorized by Banco de Portugal; it operates within the EU’s Single Supervisory Mechanism framework and eligible deposits are covered by Portugal’s Deposit Guarantee Scheme (Fundo de Garantia de Depósitos) up to €100,000 per depositor, per institution. The bank focuses on private banking and corporate and investment banking rather than mass-market retail, offering products such as time deposits and savings instruments, brokerage and discretionary portfolio management under MiFID II rules, and financing and capital markets services for companies and institutional clients; payment and day-to-day transactional services are available to the extent needed to support its core offering but are not the emphasis. Distribution is concentrated in Portugal through a limited branch footprint complemented by remote channels, with service commonly available in Portuguese and English; acceptance of non-resident clients is subject to standard due diligence and any applicable minimums. Pricing for deposits is typically set by campaign and maturity, with early redemption restrictions common; investment services involve explicit tariffs (e.g., custody, trading commissions, FX and transfer fees), and clients should consult the bank’s pre-contractual information and current fee schedules. Digital access is provided for account viewing and placing orders, with strong customer authentication in line with PSD2; functionality centers on savings and investments rather than full-featured retail payments. Public disclosures, including annual reports, Pillar 3 risk reports, and capital ratios, are available via the bank’s investor information and Banco de Portugal publications; the institution is smaller in scale and not widely covered by research, and any external credit ratings should be verified at source. Prospective clients should review product-specific risks (interest rate and liquidity constraints on fixed-term or structured deposits, market and custodial risks for securities), confirm applicable Portuguese tax withholding and reporting rules, and ensure that service scope, channel access, and fees match their needs before onboarding.