What ComparaJá.pt does

ComparaJá.pt, operating as Comparajá, S.A., is a Lisbon-headquartered online comparison platform founded in 2015 that aggregates credit, energy, telecommunications, and insurance products from 20+ partner institutions for Portuguese consumers. The platform's flagship offering is mortgage credit (crédito habitação) comparison, complemented by specialized variants for mortgage transfer/refinancing, youth 100% financing under the state guarantee program, construction loans, and monthly market analysis reports. Adjacent verticals cover personal credit, credit cards, electricity and gas (including solar, EV mobility, and water), TV/internet/phone bundles, and insurance — each surfaced through interactive simulators (loan installment, EURIBOR, IMT, IRS, IMI, salary net, effort rate), educational guides, and webinars. The underlying technology stack is a content-and-comparison portal with embedded calculation engines, SEO-optimized editorial assets, and a CRM-driven inside-sales workflow that routes simulation requests to dedicated consultants (e.g., Rita Sogalho's Crédito Habitação team, with José Trovão leading Energy & Telco). The platform holds dual regulatory authorization — credit intermediary #0000375 from Banco de Portugal and insurance agent registration #417449516 (via subsidiary Compeugroup) from ASF — which permits it to present and pre-contractually assist on credit and insurance products.

The business model is a free-to-consumer commission-based intermediary: customers pay nothing for simulations, comparisons, or consultant support through contract signing, while ComparaJá earns transaction commissions from the financial institution, energy provider, telecom operator, or insurer that the customer ultimately contracts with. Distribution is digital-first and direct-to-consumer, relying on organic search, content marketing, earned media (RTP, SIC, TVI, CNN Portugal, Observador), a Google Reviews rating of 4.6/5, a real-estate partner network (Parceiros Imobiliários), and inside-sales consultant follow-up. The go-to-market combines a self-serve top-of-funnel (calculators, articles, guides) with a mid-funnel sales-assisted conversion motion, executed by 51–100 employees and a leadership team led by CEO José Figueiredo and co-founder/managing director Sergio Pereira.

Name

ComparaJá.pt

Legal name

Comparajá, S.A.

Website

https://comparaja.pt

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

ComparaJá.pt is a Lisbon-based online comparison platform, founded in 2015, that aggregates credit, energy, telecom, and insurance products from 20+ Portuguese partner institutions, offering consumers free simulations, multi-bank proposals, and consultant-led support through contract signing.

Ownership category

akta.pro rank

Product category

Financial product comparison platform

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

akta.pro secondary industries

Auto-Switching & Price Comparison Platforms (EUAGAEAD), Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

Keywords

• Mortgage comparison services
• Financial product comparison
• Credit intermediary services
• Energy price comparison
• Insurance comparison platform

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Commission from financial product providers: ComparaJá operates as a credit intermediary authorized by Banco de Portugal (registration #0000375). The service is completely free for consumers. ComparaJá earns commissions from the banks, financial institutions, energy providers, telecom operators, and insurance companies that customers ultimately contract with through the platform. The commission is paid by the provider, not the consumer, making the service financially sustainable while remaining at zero cost to users.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

ComparaJá.pt is a free online comparison platform for Portuguese consumers that aggregates credit, energy, telecommunications, and insurance offerings from more than 20 financial institutions and service providers. The platform enables side-by-side comparison of mortgage and personal credit proposals, energy tariffs, TV/internet/phone bundles, insurance products, and credit cards, with personalized consultant support guiding users from initial simulation through to contract signing. Revenue is earned through commissions paid by the partner provider when the customer ultimately contracts through the platform.

Product overview

ComparaJá.pt is a free online comparison platform that aggregates and compares credit, energy, telecommunications, and insurance products from over 20 partner institutions across Portugal. The core offering is the Crédito Habitação (mortgage comparison) service, which enables users to compare proposals from multiple banks in 2 minutes and receive personalized offers within 48 hours with free expert support through to deed signing. The platform operates as a suite of interlocking products: the main comparison engines for mortgage credit (including specialized variants for young buyers with 100% financing, property construction, mortgage transfers, and market analysis), complemented by personal credit, energy, TV/net/phone, insurance, and credit card comparison modules. A comprehensive set of financial simulation tools (calculators for loan installments, EURIBOR rates, IMT taxes, salary net, and compound interest) and downloadable educational guides support the comparison experience. All services are free for consumers, with the platform earning commissions from partner institutions upon contract completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Habitação

Quantifiable outcome

• 37 million euros in total savings for customers across all product categories
• +5 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

23 partnerships are on record, tiered core and supporting.

• Banco Santander TottacoreGTM or Marketing PartnerOne of the principal mutuantes (lending partners) in ComparaJá's credit habitação platform. Listed explicitly as a lending institution that customers can compare and contract through ComparaJá. Banco Santander Totta is part of the group's network of financial institutions available on the platform.
• Banco Comercial Português (Millennium bcp)coreGTM or Marketing PartnerPrincipal mortgage lending partner featured prominently on the platform. Millennium bcp offers products including Spread Zero campaigns, variable/fixed/mixed rates, up to 90% financing, 40-year terms, and financing for young buyers. Awarded 'Melhor Banco para Comprar Casa' and 'Banco Mais Próximo do Cliente' by ComparaJá.
• Caixa Geral de Depósitos (CGD)coreGTM or Marketing PartnerState-owned bank partner offering mortgage credit with up to 90% financing, transfer campaigns, mixed rate products, and discounts up to 30% with Fidelidade insurance. Awarded 'Melhor Taxa Fixa' by ComparaJá.
• Banco BPIcoreGTM or Marketing PartnerBank partner offering fixed rates up to 40 years, soft payment options, life insurance cashback, and property insurance bundled products. Awarded 'Melhor Taxa Mista' by ComparaJá.
• Novo BancocoreGTM or Marketing PartnerBank partner offering specialized programs including JEP (Jovens de Elevado Potencial), the 4x4 campaign, Senior Offer, and Conta Serviço 360 products for mortgage customers.
• ABANCAcoreGTM or Marketing PartnerSpanish bank operating in Portugal, offering young credit with state guarantee (100% financing), ComparaJá.pt client campaigns, UP campaigns, and credit protection insurance. Awarded 'Melhor Financiamento à Construção' and 'Melhor Taxa Variável' by ComparaJá.
• Banco CTTcoreGTM or Marketing PartnerBank partner offering mortgage credit with free property valuation, first-year insurance waiver, account opening and maintenance, and salary direct deposit. Features competitive spread offerings.
• BankintercoreGTM or Marketing PartnerBank partner offering up to 80% financing, 30-year maximum terms, young credit products, and fee-free ON account maintenance for mortgage customers.
• Crédito AgrícolacoreGTM or Marketing PartnerCooperative banking partner offering Spread 0 campaigns, transfer campaigns, salary direct deposit, and payment direct deposit options for mortgage credit.
• UCI (Union de Créditos Inmobiliarios)coreGTM or Marketing PartnerSpecialized real estate credit institution offering mortgage products with up to 90% financing, 35-year terms, and competitive conditions for property acquisition.
• FidelidadesupportingGTM or Marketing PartnerInsurance company partner offering bundled insurance products (life insurance, multirisk home insurance) associated with credit habitação contracts. CGD offers up to 30% discount on Fidelidade insurance for mortgage customers.
• GoldenergysupportingGTM or Marketing PartnerEnergy provider partner featured on ComparaJá's energy comparison platform, offering electricity and natural gas tariffs for residential consumers.
• MEO EnergiasupportingGTM or Marketing PartnerTelecom and energy provider partner offering bundled energy (electricity and gas) services compared on the ComparaJá platform.
• EndesasupportingGTM or Marketing PartnerEnergy provider partner listed on ComparaJá's energy comparison platform, competing for residential and business energy contracts in Portugal.
• Galp EnergiasupportingGTM or Marketing PartnerEnergy provider partner featured on the energy comparison platform, offering electricity and gas tariff options for Portuguese consumers.
• NOSsupportingGTM or Marketing PartnerTelecom operator partner offering TV, internet, and phone bundle services compared on ComparaJá's telecom comparison platform.
• MEOsupportingGTM or Marketing PartnerTelecom operator partner listed on ComparaJá's TV/Net/Voice comparison section, offering internet, television, and phone packages.
• NOWO / DIGIsupportingGTM or Marketing PartnerTelecom operator (NOWO/DIGI) featured on ComparaJá's telecom comparison platform, offering competitive internet, TV, and phone packages for Portuguese consumers.
• AgeassupportingGTM or Marketing PartnerInsurance company partner offering life insurance, health insurance, car insurance, and multirisk home insurance products compared and offered through the ComparaJá platform.
• Generali TranquilidadesupportingGTM or Marketing PartnerInsurance company partner listed on the platform, offering a range of insurance products including home, life, and health insurance through ComparaJá's comparison tools.
• AllianzsupportingGTM or Marketing PartnerGlobal insurance group partner featured on ComparaJá's insurance comparison platform, offering auto, life, health, and home insurance products.
• Fidelidade (Seguros)supportingGTM or Marketing PartnerPortuguese insurance company partner offering bundled insurance products for credit habitação customers, including discounts through CGD partnership.
• Real estate partner network (Parceiros Imobiliários)supportingChannel Partner/ Reseller/ DistributorNetwork of real estate agencies and partners (Parceiros Imobiliários) who refer home-buying clients to ComparaJá for credit comparison and contracting services. This is a two-way referral channel bringing prospective mortgage customers to the platform.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Selectra: European energy and telecom comparison specialist with established Portugal (Selectra.pt) and Spain operations. Directly comparable to ComparaJá's energy/telco comparison verticals, including utility switching and advisor support.
• Rastreator: Spain's leading comparison marketplace (part of RV Compare). Aggregates banking, insurance, telecom and energy products with a freemium consumer model. Closest Iberian analogue to ComperaJá, demonstrating that the model is exportable beyond Portugal.
• iComparador: Iberian price-comparison platform focusing on financial products (loans, credit cards, mortgages) and other verticals. Operates across Spain and Portugal, comparable to ComparaJá in product category, target audience, and freemium comparison model.
• Deco Proteste: Portuguese consumer-protection organization with comparison tools and market rankings across banking, insurance, telecoms and energy. Direct Portugal-market competitor to ComparaJá, with a different brand positioning (consumer advocacy vs. freemium intermediary) but overlapping consumer reach.
• HelloSafe: Multi-vertical personal-finance comparison platform (credit, insurance, banking) active in Portugal, France and Spain. Closely overlaps ComparaJá's freemium comparison funnel and customer base in the Portuguese market.

Broad incumbents

• MoneySupermarket: UK-listed price comparison platform (MoneySupermarket Group) covering insurance, money, energy, travel and broadband. Broader incumbent operating in a national scale market; useful as a comparable business-model archetype and category benchmark for ComparaJá.
• GoCompare: UK comparison platform (owned by Future plc) operating across insurance, money, energy and travel. Analogous broader European incumbent to ComparaJá's vertical; validates the comparison-plus-content-plus-affiliate revenue model at national scale.
• Verivox: German comparison pioneer owned by Genui/Morgenstern. Comparable to ComparaJá at the business-model level (commission-based lead generation across energy, telecom, insurance, banking); useful as a broader European incumbent benchmark.

Regional players

• Kelisto: Spanish price-comparison platform focused on banking, insurance and telecoms. Comparable to ComparaJá in product scope and freemium comparison funnel; primarily Spain-focused, making it a regional benchmark rather than direct Portugal competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/comparaja
• LinkedInlinkedin.com/company/compara-ja
• Xx.com/comparaja

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ComparaJá.pt