Credit intermediary in Portugal
The Bank of Portugal is the supervisory authority for our activity. Below you will find our registration details, authorised services, partner institutions, and regulatory disclosures.
- Bank of Portugal registration
- 0006380
- Professional liability insurance
- 2524519
- Lending institutions (partner banks)
- 7
Bank of Portugal registration
CPCDS Consumer Solutions — Unipessoal, Lda is a tied credit intermediary registered with the Bank of Portugal under no. 0006380. You can verify this registration on the Bank of Portugal credit intermediaries portal.
Professional liability insurance
Mortgage credit: policy no. 2524519 — Hiscox S.A., Portuguese branch, valid from 1 July 2026 to 30 June 2027.
Services we are authorised to provide
- Presenting or proposing credit agreements to consumers.
- Providing consumer assistance by carrying out preparatory acts or other pre-contractual management work relating to credit agreements that we have not presented or proposed ourselves.
- Entering into credit agreements with consumers on behalf of lending institutions.
- Providing advisory services by issuing personalised recommendations on credit agreements.
Advisory services on credit agreements consist of issuing recommendations addressed specifically to a consumer concerning one or more transactions relating to credit agreements.
Lending institutions (partner banks)
- BANCO BPI, SA
- BANCO BIC PORTUGUÊS, SA
- ABANCA CORPORACIÓN BANCARIA, SA, SUCURSAL EM PORTUGAL
- BANCO CTT, SA
- NOVO BANCO, SA
- BANKINTER, SA - SUCURSAL EM PORTUGAL
- UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL
Complaints
Complaints concerning CPCDS CONSUMER SOLUTIONS — UNIPESSOAL, LDA may be submitted by email or through the online Complaints Book (livroreclamacoes.pt). Complaints may also be lodged directly with the supervisory authority (Bank of Portugal).
Alternative dispute resolution
CPCDS CONSUMER SOLUTIONS — UNIPESSOAL, LDA has agreements with two alternative dispute resolution arbitration centres:
- Lisbon Consumer Dispute Arbitration Centre — membership no. 34883 — centroarbitragemlisboa.pt
- National Centre for Information and Arbitration of Consumer Disputes — membership no. 4262 — cniacc.pt
Under Article 46 of Decree-Law No. 81-C/2017 of 7 July (Legal Regime of Credit Intermediaries), CPCDS CONSUMER SOLUTIONS — UNIPESSOAL, LDA may not receive or hand over any sums related to the conclusion, performance or early repayment of credit agreements.