The website is managed by Associação Portuguesa de Bancos (APB) and its purpose is to provide information on its activities and matters pertaining to banking and the financial system. The website is also intended to contribute to a better understanding of the importance of the financial system in the country's economy and of banking, how it works and the role that it plays in society and to contribute to a better financial culture in Portuguese society.

The information on the website that is the APB's responsibility may, unless otherwise indicated, be copied, imported or used free of charge for personal or public use, though users must always mention the source of the information. It cannot under any circumstances be used for profitable, offensive or unlawful purposes. The information obtained via links to other websites managed by third parties should be used in accordance with the rules indicated in them.

The information provided is general in nature and is intended to describe the sector. Whatever form it takes, it does not constitute advice or recommendations on investments or the purchase or sale of financial products or instruments or financial services. It does not dispense with the need for expert advice.

The APB shall therefore not be held liable for any material or personal losses that may directly or indirectly result from the use of the information given. Site users are solely and exclusively responsible for all decisions made on the basis of the information.

The APB makes every effort to ensure that all the information on the website is accurate and up to date. It cannot, however, guarantee that all the information provided is up to date and precise at all times.

In addition to the legal provisions on the website, it is necessary to view the officially approved legal provisions published in publications such as Diário da República, the Official Journal of the European Union, etc).

All the information and, in general, all the contents of the website may be changed without prior notice.

The data collected for the distribution of the APB Newsletter may be processed automatically by the APB, which will guarantee their security and confidentiality.

The APB is not liable for the quality or veracity of statements reproduced in places to which hyperlinks or links lead on this page. The APB has no control over the contents, products or services offered by third parties via these links.



Pursuant to Article 35 of the Portuguese Constitution and Law 67/98 of 26 October, the identity of visitors and users shall be kept confidential. Their express consent is necessary before any information about them can be used. Nonetheless, the APB reserves the right to identify users and take the necessary legal action if any unlawful acts are committed.


Improper use

Any attempt to alter the contents or upload information or any other action that may damage or jeopardise the integrity of the system is strictly prohibited and will be punished to the full extent of the law.



The website is not liable for the accuracy, quality, security, legality or legitimacy, including rules on copyright and associated rights, with regard to contents, products or services in it that have been supplied by other bodies, advertisers or partners.


Applicable law 

This website is governed by Portuguese Law.