vendas associadas
Published 8 November 2026, 22:51
vendas associadas — products bundled with a loan
Other bank products offered together with a loan: a card, having your salary paid into the account, insurance, a pension plan. They cannot be made compulsory — the bank may require only an account and suitable insurance. People take them up voluntarily in exchange for a lower spread.
Where you come across it. Loan negotiations, the FINE sheet, the annual review of terms.
If you later drop such a product, the bank may put the spread back up, but only within a year of your dropping it. The bank must also accept insurance from any company, provided the cover is equivalent.
Official website: clientebancario.bportugal.pt/pt-pt/como-contratar-0