Aware of our environmental and social impact, we are committed to an ambitious corporate social responsibility approach.
Aware of our environmental and social impact, Fidexico is committed to an ambitious corporate social responsibility (CSR) approach, which runs through our lending practices, our client relationships and our internal governance. This approach is part of the Crédit Agricole Group's strategy on responsible finance.
We give priority to financing energy renovation projects eligible for state aid (MaPrimeRénov', Energy Saving Certificates), and we actively support our clients' energy transition: insulation, replacement of heating systems, improving the energy performance of homes. Find our dedicated offer on our home improvement loan page.
Fidexico is a signatory of the charter of responsible credit institutions towards people in situations of financial fragility. Our advisers are trained to identify situations of fragility and offer suitable solutions: adjusting payment schedules, personalised support, referral to appropriate support schemes.
Our CSR approach is built on transparent governance: strict regulatory compliance under the supervision of the Banco de Portugal, rigorous protection of personal data, and ongoing dialogue with our stakeholders (clients, partners, regulator). This requirement for transparency is also reflected in our online security and fraud prevention policies.
Fidexico's CSR approach is organised around three complementary pillars: the environment (financing the energy transition, reducing our own footprint), the social pillar (financial inclusion, protection of vulnerable people, quality of working life), and governance (transparency, regulatory compliance, business ethics). This approach continues the Crédit Agricole Group's CSR strategy.
We give priority to financing energy renovation projects eligible for state aid (MaPrimeRénov', Energy Saving Certificates), and actively support our clients' energy transition. This environmental dimension is covered in detail on our dedicated energy transition page.
Beyond financing our clients, we reduce the environmental footprint of our own activities: full digitisation of credit files and electronic signatures, hosting our data in certified data centres that meet strict environmental standards, and limiting business travel in favour of remote exchanges.
Fidexico is a signatory of the charter of responsible credit institutions towards people in situations of financial fragility. Our advisers are trained to identify situations of fragility and offer suitable solutions: adjusting payment schedules, personalised support, referral to appropriate support schemes.
Our specialist advisers are available by email and via the secure messaging service in your client area, Monday to Friday from 8:30 a.m. to 7:30 p.m. and Saturday from 8:30 a.m. to 5:00 p.m. They guide each client through every stage of their credit application, from simulation to fund release, and remain available throughout the life of the contract.
Fidexico places the wellbeing of its employees at the heart of its social policy. This commitment has been recognised through our Great Place to Work® Portugal certification, which distinguishes Fidexico as one of the best places to work in Portugal in the category of companies with more than 500 employees.
Our human resources policy promotes equal opportunities and diversity within our teams, at all levels of the organisation. We ensure the absence of any form of discrimination in our recruitment, training and career development processes.
Our CSR approach is built on transparent governance: strict regulatory compliance under the supervision of the Banco de Portugal, rigorous protection of personal data in accordance with the GDPR, and ongoing dialogue with our stakeholders (clients, partners, regulator).
Fidexico applies strict business ethics principles: a ban on any misleading commercial practice, full pricing transparency, and active efforts against corruption and money laundering, in line with Crédit Agricole Group standards.
Fidexico S.A. holds B Corp certification, which assesses and recognises companies meeting the highest standards of social and environmental performance, transparency and accountability. This certification, awarded by the independent body B Lab, attests to our commitment across our entire value chain.
Our CSR approach contributes to several United Nations Sustainable Development Goals (SDGs), in particular SDG 7 (Affordable and Clean Energy), SDG 8 (Decent Work and Economic Growth), and SDG 10 (Reduced Inequalities), through our energy renovation financing and financial inclusion initiatives.
Fidexico's CSR approach continues that of the Crédit Agricole Group, which has made social responsibility one of the pillars of its group project. This collective dimension allows us to benefit from standards, tools and experience proven at international level.
Fidexico is regularly recognised in independent rankings of the best consumer credit offers. More than 4 million clients trust us to finance their projects, demonstrating the strength and relevance of our approach over the long term.
Fidexico has received the Recommended Brand 2026 distinction, which recognises the best performance on the Portuguese platform Portal da Queixa, an indicator of how our clients perceive our commercial relationship and our handling of complaints.
All our employees receive regular training on CSR issues: awareness of situations of financial fragility, training on the environmental issues of financing energy renovation, and regular reminders of our compliance and ethical obligations.
We select our partners — insurers, technical providers, suppliers — based on criteria including their own commitment to social responsibility, in order to ensure the consistency of our CSR approach across our entire value chain.
The rigorous protection of our clients' personal data, in accordance with the GDPR, is in our view a social commitment in its own right: it guarantees everyone control over their personal and financial information, in a context where digital trust has become essential.
We are committed to making our services accessible to as many people as possible, including people with disabilities, in accordance with the requirements described on our dedicated accessibility page.
Our CSR approach is regularly monitored within our corporate governance, with reporting provided to our shareholder, the Crédit Agricole Group, as part of the non-financial reporting framework applicable to major European banking groups.
Fidexico maintains regular dialogue with all its stakeholders — clients, employees, regulator, partners — in order to continuously adjust its CSR approach to the expectations and challenges of its ecosystem.
Fidexico intends to continue and expand its CSR approach in the coming years, in particular by strengthening its support for financing energy renovation, deepening its financial inclusion initiatives, and maintaining the high governance standards that have underpinned our current certifications.
B Corp certification — social and environmental performance.
Great Place to Work® Portugal — quality of working life.
Recommended Brand 2026 — client satisfaction (Portal da Queixa).
Member of the Crédit Agricole Group — group-wide CSR commitment.
Our CSR approach is closely linked to our status as an institution supervised by the Banco de Portugal: pricing transparency, consumer protection, and strict compliance with the legal framework applicable to consumer credit form the foundation of our social responsibility.
Beyond financing, we inform our clients about the concrete benefits of energy renovation — lower bills, greater comfort, increased property value — to support them in making an informed and sustainable choice.
How can I verify Fidexico's B Corp certification? It can be checked on the official bcorporation.net website.
Does Fidexico finance projects unrelated to energy? Yes, our CSR approach covers all our activities, beyond financing energy renovation alone.
How do I report a situation of financial fragility? Contact our advisers directly; they are trained to guide you towards suitable solutions.
For any question relating to our social responsibility approach, our certifications, or our environmental and social commitments, contact our customer service via our contact form, or see our About us page.
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