Banco de Portugal

The country's central bank, which also supervises banks, payment institutions and credit intermediaries. It keeps the register of who is allowed to handle money at all, checks whether banks are charging fees lawfully, and makes them refund anything taken beyond what the contract allows: in 2025, banks returned €8.91 million to customers, of which €8.24 million was in unlawfully charged fees. Refunds go not only to those who complained but to all customers in the same situation. It handles complaints about banks through the Portal do Cliente Bancário, which also carries the banks' price lists and a fee comparison.