Credit Intermediation
Credit Intermediation Legal Framework
MANDATORY INFORMATION REGARDING CREDIT INTERMEDIATION
(Art. 54 of Decree-Law no. 81-C/2017)
Activity subject to the regulatory supervision of the Banco de Portugal.
Robusto e Relevante - Consultoria, Lda, with registered office at Rua da Rasa 1026 Loja - R/C, 4405-266 Vila Nova de Gaia, Tax No. (NIF) 514978430, is officially registered with the Banco de Portugal as a Tied Credit Intermediary under Registration No. 3305. Registration details can be publicly verified via the Banco de Portugal Banking Client Portal. Our operations are handled in close collaboration with our partner brand, MyCredit Intermediário de Crédito.
1. Authorized Credit Intermediation Services
Presentation or proposal of credit agreements to consumers;
Assistance to consumers by performing preparatory acts or other pre-contractual management tasks for credit agreements not directly proposed or presented by the intermediary.
2. Credit Categories Covered
Housing Credit (Mortgages) and Consumer Credit.
3. Bound Binding Lenders (Banking Partners)
NOVO BANCO, S.A.
UNION DE CRÉDITOS INMOBILIÁRIOS, S.A. – PORTUGUESE BRANCH
ABANCA CORPORACIÓN BANCARIA, S.A. – PORTUGUESE BRANCH
BANCO CTT, S.A.
BANKINTER, S.A. – PORTUGUESE BRANCH
BANCO BPI, S.A.
CAIXA GERAL DE DEPÓSITOS, S.A.
BANCO SANTANDER TOTTA, S.A.
BANCO BIC PORTUGUÊS, S.A.
ABANCA SERVICIOS FINANCIEROS, E.FC., S.A. – PORTUGUESE BRANCH
NOVO BANCO DOS AÇORES, S.A.
UNICRE – Instituição Financeira de Crédito, S.A.
SICAM – CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO
MONTEPIO CRÉDITO – INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A.
BNI - BANCO DE NEGÓCIOS INTERNACIONAL (EUROPA), S.A.
4. Professional Indemnity Insurance
Professional liability arising from credit intermediation operations is fully guaranteed by:
Insurer: Allianz Portugal, S.A.
Policy No.: 206797145
Validity Period: Valid until 01/03/2027
5. Funds Handling Restriction Policy
In strict compliance with Article 46 of Decree-Law no. 81-C/2017, the credit intermediary is absolutely prohibited from receiving, handling, or delivering any monetary funds related to the preparation, execution, or early fulfillment of credit agreements.
6. Complaints and Alternative Dispute Resolution (ADR)
To submit an official complaint regarding our credit intermediation activities, consumers can use:
The Portuguese Electronic Complaints Book: www.livroreclamacoes.pt
The Banco de Portugal Official Claims Portal: clientebancario.bportugal.pt
Authorized Alternative Dispute Resolution Entities:
CNIACC – National Center for Consumer Conflict Information and Arbitration
CACRC – Consumer Conflict Arbitration Center of the Coimbra Region
7. Formal Corporate Representative Contacts
Attn: Pedro Nuno Machado Fernandes
Mailing Address: Rua da Rasa 1096 Loja - R/C, 4405-266 Vila Nova de Gaia
Telephone: +351 220 974 560
Email: geral@bizcredito.pt