Bank of PortugalAutomatic collection

Central Credit Register Statement (Mapa de Responsabilidades de Crédito)

Statement from the Bank of Portugal (Banco de Portugal) listing the loans and commitments that institutions have reported in your name, including guarantees and sureties.

What it is for

Review your registered loans before applying for financing.
Identify liabilities as a guarantor or surety and any data that may be incorrect.
Compare what has been reported with your bank's contracts and documents.

Example (fictitious). Titus Gorila has paid off a car loan and is about to apply for a mortgage. He checks which period the statement covers and confirms with the bank when the repayment will appear.

What it is

The statement brings together the information that participating institutions send to the Central Credit Register (Central de Responsabilidades de Crédito) of the Bank of Portugal (Banco de Portugal): loans, sureties, guarantees and other commitments. It refers to a specific period and is not an up-to-date statement of today's payments. It is important to distinguish between amounts actually owed and potential amounts, which may only be drawn down or claimed at a later date.

How we collect it

The Bank of Portugal (Banco de Portugal) uses the Tax and Customs Authority (Finanças) login, so we need the holder's NIF and Tax Portal (Portal das Finanças) password. We deliver the statement as an official PDF.

Access required: Tax Portal (Portal das Finanças). Credentials are encrypted only during the collection and deleted at the end.

Things to note

The statement does not decide whether a loan is approved. If you find an error, contact the institution that reported the data, as only it can correct it.

Frequently asked questions

Is it a list of defaulting debtors?

No. It also includes loans in good standing and potential liabilities.

Is the potential amount already a debt?

No. It only becomes a debt if you use that credit or are called upon to pay as a guarantor.