Fidexico is an authorised credit institution, subject to the ongoing oversight of the Portuguese banking supervisory authority.
Fidexico S.A. is a public limited company (Sociedade Anónima) under Portuguese law, authorised as a credit institution specialising in consumer credit. This authorisation governs the conduct of our business and subjects us to a set of prudential, accounting and customer protection obligations defined by the Portuguese and European regulations applicable to the credit sector.
Fidexico S.A. is 100% owned within the Crédit Agricole Group and Banco Credibom, through the consumer credit division Crédit Agricole Personal Finance and Mobility. This backing by a leading European banking group guarantees our clients the financial soundness and management rigour characteristic of major regulated institutions.
Established in Portugal, Fidexico S.A. carries out its activity under the supervision of the Banco de Portugal, the supervisory authority for the Portuguese financial sector, whose head office is located at Rua do Comércio 148, 1100-150 Lisboa (www.bportugal.pt). The Banco de Portugal monitors in particular our compliance with our prudential obligations, the transparency of our pricing conditions, and the fair treatment of our clients.
The Central de Responsabilidades de Crédito (CRC) is managed by the Banco de Portugal. It records confirmed repayment incidents relating to credit granted to individuals for non-professional purposes, as well as situations of over-indebtedness. Consultation of this file is mandatory before any credit is granted.
In accordance with applicable Portuguese legislation, any individual may obtain the information concerning them held in this file from any branch of the Banco de Portugal. This consultation is free of charge. In the event of an error, you may request a correction from the Banco de Portugal or from the institution that reported the incident.
Fidexico's status as a supervised institution guarantees you a set of rights: clear and complete pre-contractual information, compliance with the usury rate set quarterly by the Banco de Portugal, a 14-day right of withdrawal, and access to a free mediation procedure in the event of a dispute. For any question relating to our regulatory status, contact our customer service via our contact form.
Fidexico S.A. is a public limited company (Sociedade Anónima) under Portuguese law, registered under legal entity identification number (NIPC) 503533726, with a share capital of €124,000,000 fully paid up. Its registered office is located at Rua Frederico George nº 39, 1600-468 Lisboa, Portugal. This full legal identity can be consulted at any time on our legal notice pages.
The governance of Fidexico S.A. is based on a clear organisation of responsibilities: a board of directors chaired by Diogo Silva Lopes Pereira, independent internal control functions (compliance, risk management, internal audit), and regular reporting to our shareholder, the Crédit Agricole Group. This structure guarantees rigorous management and decision-making aligned with the interests of our clients.
Our consumer credit activity is governed by Decreto-Lei n.º 133/2009, which transposes into Portuguese law the European directive on credit agreements for consumers. This legislation sets out our obligations regarding pre-contractual information, calculation of the APR, right of withdrawal, early repayment and verification of the borrower's creditworthiness before any credit is granted.
As a credit institution, Fidexico S.A. is subject to prudential capital requirements designed to guarantee its ability to absorb potential losses and to honour its commitments to its clients. Our share capital of €124 million, combined with the financial strength of the Crédit Agricole Group, provides a guarantee of soundness for all our financing operations.
Fidexico S.A. is 100% owned within the Crédit Agricole Group, through its consumer credit division, Crédit Agricole Personal Finance and Mobility, and its Portuguese partner Banco Credibom. This anchoring within a listed banking group present in more than 45 countries allows us to benefit from risk management and compliance standards proven on an international scale.
Our processes are subject to regular internal controls, structured according to three lines of defence: the operational teams, the compliance and risk management functions, and then internal audit, which acts independently to verify the effectiveness of the whole system. Independent external auditors also review our annual accounts and our internal control procedures.
In accordance with Portuguese and European regulations on combating money laundering and the financing of terrorism, Fidexico implements identity verification procedures (KYC — Know Your Customer) and transaction monitoring. Any transaction of an atypical or suspicious nature is subject to thorough analysis, which may lead to a report being made to the competent authorities.
Our processing of personal data falls within the framework of the General Data Protection Regulation (GDPR) and is subject to careful oversight by our Data Protection Officer. This requirement is closely linked to our status as a supervised institution: the confidentiality of your banking and personal information is an essential component of the trust the regulator expects of us.
Fidexico S.A. regularly submits detailed reports to the Banco de Portugal relating to its credit activity, the quality of its portfolio and compliance with its prudential obligations. This regulatory transparency is a pillar of the trust that our clients and our partners can place in our institution.
The Banco de Portugal sets, on a quarterly basis, for each category of consumer credit, a usury rate (legal maximum rate) that no institution may exceed. Fidexico undertakes never to offer an APR above this regulatory ceiling, regardless of the client's situation, and to display this rate transparently across all its commercial materials.
Before signing any credit agreement, you receive a Standard European Consumer Credit Information (SECCI) sheet, a document standardised at European level that summarises the essential characteristics of your offer: amount, term, APR, total cost, monthly instalments and early repayment conditions. This document allows you to objectively compare our offer with that of other institutions.
In accordance with applicable Portuguese legislation, you have a withdrawal period of 14 calendar days from the signing of your credit agreement, without having to justify a reason or bear any penalty. This right, guaranteed by the regulatory framework under which we operate, is restated in each of your contractual documents.
The Banco de Portugal imposes strict deadlines on supervised institutions for handling client complaints: acknowledgement of receipt within 10 business days, final response within 2 months maximum. Fidexico scrupulously applies these deadlines, detailed in our complaints charter.
In the event of an unresolved dispute, Portuguese regulations guarantee you free access to an independent consumer mediator. This amicable resolution route, governed by Law No. 144/2015, is detailed on our dedicated consumer mediation page.
As a supervised institution operating within the European Union, Fidexico is also subject to European Regulation No. 524/2013, which gives you access to the European online dispute resolution (ODR) platform, managed by the European Commission.
The Banco de Portugal ensures that our commercial practices — advertising, canvassing, pricing conditions — are fair, clear and not misleading. Every commercial communication from Fidexico is subject to internal compliance validation before publication, in order to guarantee compliance with these requirements.
The Banco de Portugal has extensive supervisory powers over the credit institutions it oversees: on-site inspections, requests for information, and, where applicable, administrative sanctions in the event of a breach. This supervisory power constitutes an additional guarantee for all our clients.
For credit agreements accompanied by optional borrower insurance, Fidexico S.A. acts as an insurance intermediary, registered with the ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões), the Portuguese insurance supervisory authority. This dual supervision — the Banco de Portugal for credit, the ASF for insurance — governs the entirety of our offering.
As a Portuguese institution operating within the European single market, Fidexico S.A. participates in the cooperation mechanisms between national supervisory authorities, under the standards set by the European Banking Authority (EBA) regarding the protection of consumers of financial services.
Fidexico S.A.'s authorisation as a consumer credit institution builds on its long-standing backing by the Crédit Agricole Group, a historic player in financing for individuals in Europe for more than a century. This continuity guarantees our clients the durability of the institution with which they are contracting.
You may at any time verify Fidexico S.A.'s status as an authorised institution directly with the Banco de Portugal, on its official website www.bportugal.pt, which maintains an up-to-date list of credit institutions authorised to operate in Portugal.
Fidexico undertakes to display all of its pricing conditions — rates, arrangement fees, cost of optional insurance — clearly and accessibly across all its materials, in accordance with the Banco de Portugal's transparency requirements. Find the details of our rates on our pricing page.
Fidexico S.A.'s membership of the Crédit Agricole Group, combined with the prudential control exercised by the Banco de Portugal, provides a double level of protection for our clients. Fidexico's contractual obligations to its borrowers remain unchanged regardless of any change in the institution's shareholding structure.
Is Fidexico a bank? No, Fidexico S.A. is a specialised credit institution, authorised to offer consumer credit operations, and not to take deposits.
Who supervises Fidexico? The Banco de Portugal, for the credit activity, and the ASF, for the insurance intermediation activity.
Is my data protected? Yes, in accordance with the GDPR, under the oversight of our Data Protection Officer.
For any question relating to our status as a supervised institution, our shareholding structure or our regulatory framework, our customer service is available via our contact form (Mon-Fri 8:30 a.m.-7:30 p.m., Sat 8:30 a.m.-5:00 p.m.), or by post to the address of our registered office.
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