Àwọn ààyè-iṣẹ́

Portuguese

Portugal jẹ ọja owo agbegbe euro ti o ni iwọn kekere ti a ṣakoso nipasẹ awọn ẹgbẹ banki inu ile, pẹlu Lisbon ti n dagbasoke bi ibudo fintech ati crypto. Banco de Portugal ṣe iwadii awọn banki, awọn ifowopamọ ati awọn ile-iṣẹ e-owo, CMVM ṣe iwadii awọn ọja seeti ati awọn iṣẹ crypto-asset, ati pe ere ori ayelujara ni iwe-aṣẹ nipasẹ SRIJ labẹ awoṣe iwe-aṣẹ ṣiṣi.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nÌwọ̀n

Àwọn ìṣàmúlò-ètòA+

Awọn idibo to n bọtòjú 2029

Portugal kò wa ni àwọn àtòjọ FATF grẹy tàbí alawọ́ (plenary ti 19 Oṣù Kejìlá 2026); bi orilẹ-ede olori EU, o jẹ ni inú ibí ti a fi n sọ̀rọ̀ ìdíyelé-ọ̀kan-nlà giga EU (Delegated Reg. 2016/1675, consolidated 29 January 2026) àti àtòjọ ẹ̀yà EU (Annex I, updated 17 February 2026). Checked 7 October 2026.

Ìjọba àti ìṣàlàyé

Gomina: Republic of Korea
Alábòójútó Àwọn Agbègbè: António José Seguro · láti oṣú kọkanla 2026
Prime Minister: Luís Montenegro (Social Democratic Party (PSD), Democratic Alliance (AD))
Àwọn ààyè-iṣẹ́: Democratic Alliance (AD): Social Democratic Party (PSD) ati CDS-People's Party (gẹgẹ bi ijọba alabọde)
Awọn idibo to kẹhin: Igbakeji gomina (oṣu kẹta), 8 Febuary 2026
Awọn idibo to n bọ: Legislative (Assembly of the Republic), due by 2029. Àwọn ìgbàyélú àjọ-ẹ̀yàn tókàn tí a ṣe lórí 2025-05-18
Àwọn Ìṣàmúlò-ètò: Ayẹyẹ ti Republic (ọkan-igba, 230 seats)
Siséèsì Ìjọba: Ilana ofin sibẹsibẹ; Ile-ẹjọ Aṣeyọri ti ṣe atunyẹwo awọn iṣẹ ofin

Economics and finance

Awọn eniyan: 10.8m (2025)
Ìjánu-ìsún: USD 346.4bn (2025)
GDP fun ẹni kọọkan: USD 32,166 (2025)
Awọn owo-ìwọ̀n: Euro (EUR)
Central Bank of Nigeria: Banco de Portugal (awọn ẹya ti Eurosystem)
Àwọn ìṣàmúlò-ètò: S&P A+ (positive) · Moody's A3 (stable) · Fitch A+ (stable) (gẹ́gẹ́ bí September 2026)

A iṣẹ-ọna economy driven by tourism, awọn gbigbe wọle ti awọn ọkọ ayọkẹlẹ, textiles ati awọn ẹya ara ẹrọ si EU, ati a iyara padanu owo-ori ti o ti mu a run ti rating igbelaruge.

Àwọn Irinṣẹ́

Àwọn Ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèCRD Art. 15: àwọn ìṣẹ̀dàn nínú 6 oṣù láti inú ìṣàmúlò-ètò tí a fi kọ́lù àti nínú ohunkohun nínú 12 oṣù láti inú àwòrán

Awọn Iṣẹ́ECB nípa àgbèkalẹ̀ Banco de Portugal

Àwọn Ìṣẹ́: Regime Geral das Instituições de Crédito e Sociedades Financeiras (RGICSF, Decree-Law 298/92); Regulation (EU) No 1024/2013 (SSM)
Ìfihàn: Ya: EU passport under CRD (Arts. 33 to 39) for branches and cross-border services

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìṣàmúlò-ètò tí a fi pamọ́ sí Banco de Portugal gẹgẹbi ààyè iwọlé; ìṣẹ̀dà kejì láti ECB
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Àwọn ààyè-iṣẹ́, ìjọba àti ìdáràn inú

Sources(2)

ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn ààyè-iṣẹ́ ẹ̀yàn-ẹ̀yàn

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèPSD2 Art. 12: àwọn ìṣàmúlò-ètò tí a fi kọ̀ǹpútà pamọ́ lórí oṣù 3

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

EUR 350,000 capital initial; ongoing own funds under Method D of at least 2% of average outstanding e-money

Àwọn Ìṣẹ́: Regime Jurídico dos Serviços de Pagamento e da Moeda Eletrónica (RJSPME, Decree-Law 91/2018), transposing EMD2 and PSD2
Ìfihàn: Ya: EU passport ààyè-iṣẹ́ lórí EMD2/PSD2 nínú ìjọba, awáròyìn, oníjádè tàbí ìṣẹ̀dá iṣẹ́ ọ̀fẹ́

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ile-ẹ̀kọ́ ni Portugal
Ìgbàyélú àwọn ẹ̀yàn tí a gba fun owó e-
Awọn adari to tọ ati ti o dara, ati awọn oludokoowo to tọ
AML/CFT àtòjọ-ètò

Sources(2)

EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Àwọn Ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèPSD2 Art. 12: àwọn ìṣàmúlò-ètò tí a fi kọ̀ǹpútà pamọ́ lórí oṣù 3

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

EUR 125,000 fun iṣẹ́ ifowopamọ́ 1 si 5 ti PSD2 Aṣàfilọ́lẹ̀ I; EUR 50,000 ti o bá jẹ́ pé ifowopamọ́ nínú; EUR 20,000 ti o bá jẹ́ pé owó nínú (awọn iṣẹ́ alayé iroyiǹ niló aabó ìdajọ́ alailẹgbẹ́ lórí owó ibẹrẹ)

Àwọn Ìṣẹ́: Regime Jurídico dos Serviços de Pagamento e da Moeda Eletrónica (RJSPME, Decree-Law 91/2018), transposing PSD2
Ìfihàn: Ya: EU passport under PSD2 Art. 28 (branch, agent or free provision of services)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ile-ẹ̀kọ́ ni Portugal
Àwọn ìṣàmúlò-ètò àti ààyè-iṣẹ́
Ìdáràn àwọn owó ẹ̀yàn
Ìpamọ́ ìdajọ́ àti àwọn iṣẹ́ ìròyìn kọ̀ǹpútà

Sources(1)

EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Ààyè-iṣẹ́ ìgbàdálẹ̀ àwọn àyọkà ìṣàfihàn (CASP) láti inú MiCA

Awọn ohun-ini ti o kere juUSD 56k

AgbègbèMiCA Àkọlé àwòrán 63: àwọn ọjọ́ iṣẹ́ 25 láti ṣàyẹwo ìparí iṣẹ́, kí àwọn ọjọ́ iṣẹ́ 40 láti yá àwọn ìṣàmúlò-ètò tí a fi kọ́ nípa (aago lè gba padà sípò fún àwọn ibeeré ìròyìn)

Awọn Iṣẹ́CMVM (papọ̀jú àtòjọ tí a fi pamọ́ nínú àwọn iṣẹ́ ìdíyelé-aṣàfilọ́lẹ̀); àyọkà àwọn ẹ̀tọ́ MiCA laarin CMVM àti Banco de Portugal kò jẹ́ òótọ́

MiCA Art. 67 ati Annex IV: EUR 50,000 (klasọ 1: igbimọ-iṣe, fipamọ, awọn iṣẹ gbigbe, gbigba ati ifijiṣẹ, imọran, iṣakoso porfolio), EUR 125,000 (klasọ 2: ṣafikun aabo ati iṣakoso, ati paṣipaarọ fun awọn owo-ori tabi awọn crypto-assets miiran), EUR 150,000 (klasọ 3: ṣafikun ṣiṣẹda oju opo wẹẹbu iṣowo); tabi idaji kan ti ọdun to kẹhin ti a ṣe deede ti o ba ga julọ

Àwọn Ìṣẹ́: Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Portuguese implementing legislation (not verified)
Ìfihàn: Ya: MiCA ìgbàjójútó lè jẹ́ àgbèkalẹ̀ nínú EU/EEA láti inú ìṣàfihàn (MiCA Àwọn Ìwé-ẹ̀yàn. 65)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ofiisi ti a fọwọsi nile-ẹ̀yàn, ibi ti o kere ju àwọn iṣẹ́ kan wa nibẹ̀, ibi ti o dara ju fun idari nile-ẹ̀yàn ati pe o kere ju oludasile kan wa nile-ẹ̀yàn (MiCA Akọsilẹ 59(2))
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Igbàdálẹ̀ atí ifaramọ́ tí a bá fi pamọ́ nípa àwọn ẹ̀yàn àtí owó, ìṣàfilọ́lẹ̀ àjọṣepọ̀, ààyè-ìṣẹ́
AML/CFT framework ati ifaramọ si Iyipada ti Awọn owo-ori (EU) 2023/1113 irin ajo ofin

Sources(3)

CMVM homepage (lists of registered financial intermediaries and of crypto-asset service providers) · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07

Firma idoko-owo

Àwọn ààyè-iṣẹ́ ìṣàfarawé-ẹ̀yàn (MiFID II)

Awọn ohun-ini ti o kere juUSD 84k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́CMVM (iforukọsilẹ ti awọn agbẹjọro owo); ifunni ti ipinnu ijẹrisi ko ti ṣayẹwo

IFD Art. 9: EUR 75,000 (igbagbọ ati gbigbe, iṣiṣẹ, iṣakoso porfolio, imọran, fipamọ laisi adehun ile-iṣẹ, pẹlu owo alabara tabi awọn ohun-ini ti o ni); EUR 150,000 (awọn ile-iṣẹ miiran); EUR 750,000 (iṣowo lori akọọlẹ rẹ tabi iforukọsilẹ lori ipilẹ adehun ile-iṣẹ)

Àwọn Ìṣẹ́: Directive 2014/65/EU (MiFID II) and Directive (EU) 2019/2034 (IFD) as transposed in Portugal; Regulation (EU) 2019/2033 (IFR). National act not verified
Ìfihàn: Ya: MiFID II paṣipaarọ (Arts. 34 ati 35) fun iṣẹ́ àti àwọn ẹ̀yàn

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn adari to tọ ati ti o dara, ati awọn oludokoowo to tọ
Awọn owo-ori ara ẹni ti n lọ lọwọ ati awọn owo-iworo labẹ IFR
Iforukọsilẹ pẹlu CMVM gẹgẹbi agbẹjọro owo

Sources(2)

CMVM homepage (lists of registered financial intermediaries and of crypto-asset service providers) · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Online gambling and betting license

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Comissão de Jogos (Turismo de Portugal), ti a ṣakoso nipasẹ SRIJ

Àwọn Ìṣẹ́: Regime Jurídico dos Jogos e Apostas Online (RJO), Decree-Law 66/2015 of 29 April; fees under Portaria 211/2015
Àwọn Irinṣẹ́: Licence issuance or renewal EUR 14,481.10 for fixed-odds sports betting, horse-race betting or games of chance (EUR 2,413.52 for bingo); technical system approval EUR 21,721.65 plus EUR 2,413.52 per game type; guarantees of EUR 500,000 (player balances and fines) and EUR 100,000 (special online gaming tax)
Ìfihàn: Ko si iwe irinna EU fun ere idaraya: iwe-aṣẹ Portuguese ni a nilo

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ile-iṣẹ ti ara ẹni ni ọna ti a sociedade anónima tabi ti o tọka si pẹlu ipo ni EU tabi EEA; awọn ile-iṣẹ ajeji nilo ẹka kan ni Portugal
Awọn iṣẹ, eto-ọrọ, owo ati agbara imọ-ẹrọ
License released for 3 years, renewable for equal periods; no cap on the number of licenses
Ìdajọ́ àti ìyànṣè tí a ṣe nínú etó ere-ìṣàfilọ́lẹ̀

Sources(3)

SRIJ (Turismo de Portugal): Licenças para jogos e apostas online · checked 2026-10-07
SRIJ: Cauções, taxas e impostos (online gaming guarantees and fees, Portaria 211/2015) · checked 2026-10-07
SRIJ: Enquadramento legal do jogo online (Decree-Law 66/2015, RJO) · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Banco de Portugal (BdP) · websiteBanks, E-money institutions, Payment service providers
Commissão do Mercado de Valores Mobiliários (CMVM) · websiteInvestment firms, Virtual asset service providers (VASPs)
Bankí Ààyè-iṣẹ́ Europe (Mekanismò Iṣẹ́ Aṣàfilọ́lẹ̀) (ECB) · wé-ìwé-ìtànIle-ifowopamọ
Serviço de Regulação e Inspeção de Jogos (Turismo de Portugal) (SRIJ) · websiteOnline gaming

Portugal ti sọ pe a 18-oṣu MiCA igba ti o yipada (ESMA akojọ, May 2026 awoṣe), nitorinaa grandfathering ti awọn olupese crypto ti wa ni ipari ko si sẹyin ju 1 July 2026; Iṣẹ́ ìṣàmúlò-ètò náà atí ohunkohun tí o kúró jú ni a kò pinnú. Oju opo wẹẹbu Banco de Portugal ti ṣe idiwọ iwọle laifọwọyi lori ọjọ iwọle, nitorinaa awọn alaye orilẹ-ede ko le ṣee ṣayẹwo lodi si rẹ: owo-ori ipinlẹ banki to kere julọ ni a fi silẹ nitori pe Ilu Pọtugalii ṣeto nọmba orilẹ-ede rẹ nipasẹ ilana minisita labẹ RGICSF ati pe o ko le jẹrisi (ọna EU ninu CRD art. 12 jẹ EUR 5 milionu). EMI, PI, CASP atí àwọn fifọ̀rà ile-iṣẹ́ ifowopamọ̀ ní ìdíyelé EU tí a ṣẹ̀dà láti EUR-Lex; Àwọn àkọlé ìṣàfihàn Portuguese kò tí a ṣì.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Portugal

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Lisbon
Agbègbè: 92,090 km²
Awọn ede Ofin: Portuguese, Mirandese
Zone Time: UTC+00:00 (UTC+01:00 nínú igba otutu); Azores UTC-01:00

Àwọn àgbéwọlé ìṣàfihàn

awọn ọkọ ayọkẹlẹ
awọn aṣọ
Àwọn ààyè-iṣẹ́
iwosan ti ko ni apoti
petroleum ti a ṣe atunṣe
Ìrin-ajó

Àwọn ìṣàfihàn ààyè-iṣẹ́

Espania
French
Germany
United States
Àwọn Ìṣàmúlò-ètò

Sources for the country information(10)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(16)

CMVM homepage (lists of registered financial intermediaries and of crypto-asset service providers) · checked 2026-10-07
SRIJ (Turismo de Portugal): Licenças para jogos e apostas online · checked 2026-10-07
SRIJ: Cauções, taxas e impostos (online gaming guarantees and fees, Portaria 211/2015) · checked 2026-10-07
SRIJ: Enquadramento legal do jogo online (Decree-Law 66/2015, RJO) · checked 2026-10-07
ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07
FATF: Jurisdictions under Increased Monitoring, 19 June 2026 (FATF site blocks automated access; content confirmed via official government notices below) · checked 2026-10-07
Insurance Commission of The Bahamas: notice reproducing FATF Public Statement of 19 June 2026 on Jurisdictions under Increased Monitoring · checked 2026-10-07
New Zealand Department of Internal Affairs: FATF jurisdictions under increased monitoring and call for action, June 2026 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
European Commission Representation in Luxembourg: EU updates its list of non-cooperative jurisdictions for tax purposes (17 February 2026) · checked 2026-10-07