{"id":1163,"date":"2024-02-05T07:31:00","date_gmt":"2024-02-05T06:31:00","guid":{"rendered":"https:\/\/cuentasenelextranjero.com\/?p=1163"},"modified":"2026-10-14T14:23:12","modified_gmt":"2026-10-14T12:23:12","slug":"los-bancos-mas-importantes-de-portugal","status":"publish","type":"post","link":"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/","title":{"rendered":"Bancos de Portugal: cuentas y dep\u00f3sitos desde Espa\u00f1a"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Contenido<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Cuenta_para_pagos_o_deposito_para_ahorrar\" title=\"Cuenta para pagos o dep\u00f3sito para ahorrar\">Cuenta para pagos o dep\u00f3sito para ahorrar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Banco_de_Portugal\" title=\"Banco de Portugal\">Banco de Portugal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Caixa_Geral_de_Depositos\" title=\"Caixa Geral de Dep\u00f3sitos\">Caixa Geral de Dep\u00f3sitos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Millennium_bcp\" title=\"Millennium bcp\">Millennium bcp<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Santander_Totta\" title=\"Santander Totta\">Santander Totta<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Haitong_Bank\" title=\"Haitong Bank\">Haitong Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Como_se_protege_tu_dinero\" title=\"C\u00f3mo se protege tu dinero\">C\u00f3mo se protege tu dinero<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/cuentasenelextranjero.com\/index.php\/2024\/02\/05\/los-bancos-mas-importantes-de-portugal\/#Que_comprobar_antes_de_contratar_desde_Espana\" title=\"Qu\u00e9 comprobar antes de contratar desde Espa\u00f1a\">Qu\u00e9 comprobar antes de contratar desde Espa\u00f1a<\/a><\/li><\/ul><\/nav><\/div>\n<p>Si buscas bancos de Portugal desde Espa\u00f1a, empieza por tu objetivo: una cuenta corriente para vivir y pagar all\u00ed no es lo mismo que un dep\u00f3sito de un banco portugu\u00e9s. Caixa Geral de Dep\u00f3sitos, Millennium bcp y Santander Totta son entidades comerciales; el Banco de Portugal es el banco central y no abre cuentas a particulares.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cuenta_para_pagos_o_deposito_para_ahorrar\"><\/span>Cuenta para pagos o dep\u00f3sito para ahorrar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Para pagar y domiciliar recibos en Portugal:<\/strong> pide las condiciones de la cuenta concreta, incluida la admisi\u00f3n de no residentes, la documentaci\u00f3n, el coste y si puedes completar el alta a distancia. La nacionalidad del banco no garantiza un IBAN PT para cualquier producto.<\/li>\n<li><strong>Para ahorrar desde Espa\u00f1a:<\/strong> <a href=\"https:\/\/cuentasenelextranjero.com\/haitongbank\" target=\"_blank\" rel=\"noopener sponsored\">Haitong Bank<\/a> ofrece dep\u00f3sitos en Raisin a trav\u00e9s de su sucursal espa\u00f1ola. No es una cuenta corriente portuguesa para operar ni una forma de obtener un IBAN PT propio. Consulta la <a href=\"https:\/\/cuentasenelextranjero.com\/index.php\/depositos-en-portugal-haitong-bank\/\">gu\u00eda de dep\u00f3sitos de Haitong Bank<\/a> para entender su funcionamiento.<\/li>\n<\/ul>\n<p>Antes de decidir, compara el plazo, la posibilidad de cancelar y la renovaci\u00f3n del dep\u00f3sito. Para una cuenta de uso diario, compara en cambio mantenimiento, tarjetas, transferencias y condiciones de vinculaci\u00f3n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Banco_de_Portugal\"><\/span>Banco de Portugal<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Es el banco central del pa\u00eds. Se cre\u00f3 por decreto real el 19 de noviembre de 1846, a partir de la fusi\u00f3n del Banco de Lisboa y la Companhia Confian\u00e7a Nacional. Hoy supervisa el sistema bancario portugu\u00e9s dentro del Eurosistema. No ofrece cuentas a particulares.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Caixa_Geral_de_Depositos\"><\/span>Caixa Geral de Dep\u00f3sitos<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La Caixa Geral de Dep\u00f3sitos (CGD) es el banco p\u00fablico de Portugal. Se fund\u00f3 en abril de 1876 para dar confianza a los dep\u00f3sitos p\u00fablicos y hoy es un banco con oferta completa: cuentas, tarjetas, cr\u00e9dito y ahorro.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Millennium_bcp\"><\/span>Millennium bcp<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>El Banco Comercial Portugu\u00eas (BCP), que opera con la marca Millennium bcp, se constituy\u00f3 el 25 de junio de 1985, tras la apertura del sector bancario portugu\u00e9s a la iniciativa privada.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Santander_Totta\"><\/span>Santander Totta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Es la filial portuguesa del Grupo Santander. Ofrece servicios bancarios a particulares y empresas y integr\u00f3 a lo largo del tiempo a otros bancos portugueses, entre ellos el hist\u00f3rico Totta.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Haitong_Bank\"><\/span>Haitong Bank<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/cuentasenelextranjero.com\/haitongbank\" target=\"_blank\" rel=\"noopener sponsored\">Haitong Bank<\/a> es un banco con sede en Lisboa. Desde Espa\u00f1a se conoce sobre todo por sus dep\u00f3sitos a plazo a trav\u00e9s de Raisin, que se mueven desde tu Cuenta Raisin y no dan un IBAN portugu\u00e9s. Los tipos cambian con el tiempo, as\u00ed que m\u00edralos siempre en la ficha vigente: la tienes en <a href=\"https:\/\/cuentasenelextranjero.com\/index.php\/depositos-en-portugal-haitong-bank\/\">Dep\u00f3sitos en Portugal<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Como_se_protege_tu_dinero\"><\/span>C\u00f3mo se protege tu dinero<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>El Fondo de Garant\u00eda de Dep\u00f3sitos de Portugal reembolsa hasta 100.000 \u20ac por depositante y por banco, seas residente o no en Portugal, seg\u00fan el Banco de Portugal.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Que_comprobar_antes_de_contratar_desde_Espana\"><\/span>Qu\u00e9 comprobar antes de contratar desde Espa\u00f1a<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Entidad y sucursal:<\/strong> identifica con qui\u00e9n contratas, no solo la marca.<\/li>\n<li><strong>Disponibilidad del dinero:<\/strong> un dep\u00f3sito a plazo no sustituye al saldo para tus gastos.<\/li>\n<li><strong>Garant\u00eda:<\/strong> el l\u00edmite se calcula por depositante y banco, sumando productos de la misma entidad.<\/li>\n<\/ul>\n<p>En el caso de Haitong, Raisin confirma que los dep\u00f3sitos de su sucursal espa\u00f1ola est\u00e1n protegidos por el fondo portugu\u00e9s. Contratar a trav\u00e9s de una sucursal espa\u00f1ola no cambia el pa\u00eds de esa garant\u00eda.<\/p>\n<p>Fuentes para la contrataci\u00f3n de Haitong: Raisin Espa\u00f1a, \u00abProductos de ahorro de bancos en Espa\u00f1a\u00bb y listado de bancos colaboradores.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si buscas bancos de Portugal desde Espa\u00f1a, empieza por tu objetivo: una cuenta corriente para vivir y pagar all\u00ed no es lo mismo que un dep\u00f3sito de un banco portugu\u00e9s. Caixa Geral de Dep\u00f3sitos, Millennium bcp y Santander Totta son entidades comerciales; el Banco de Portugal es el banco central y no abre cuentas a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1650,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[],"class_list":["post-1163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancos de Portugal: cuentas y dep\u00f3sitos desde Espa\u00f1a<\/title>\n<meta name=\"description\" content=\"Compara bancos de Portugal seg\u00fan tu objetivo: cuenta para pagos o dep\u00f3sito para ahorrar. 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