What Banco Invest does

Banco Invest S.A. is a Portuguese private banking institution registered with Banco de Portugal (code 0014) and CMVM (code 0141), operating as part of the Alves Ribeiro Financial Group whose origins date to 1940. The bank explicitly specializes in savings and investment products rather than mass retail banking, targeting affluent individuals seeking portfolios above €100,000, investment-oriented clients, corporate clients requiring M&A and capital markets advisory, and institutional investors requiring depositary services. The company serves 47 investment funds under custody and operates six investment centers across Portugal (Lisbon, Porto, Leiria, Braga, Funchal) plus a corporate agency in Porto, with a tied agent network under regulatory oversight.

The technology stack centers on the Invest Online homebanking platform, four dedicated trading platforms (BTrader Next for CFDs, BTrader Plus for professional multi-product trading with direct market access, Invest Trader for equities/ETFs/ADRs, and Bond Trader for 1,000+ public and private debt instruments), native iOS and Android applications, and a PSD2-compliant open banking API portal (aplonAPI) with biometric and Chave Móvel Digital authentication. Bank of America Merrill Lynch serves as prime broker for the BTrader Plus platform. The wholly-owned subsidiary Invest Gestão de Activos, constituted in 1998, manages PPRs, investment funds, and strategic funds, and has accumulated Morningstar, APFIPP, FundsPeople, Rankia, and Deco Proteste awards from 2002 onward.

Revenue is generated across six streams: net interest income (credit lines, mortgages, automobile credit), asset management fees from Invest Gestão de Activos, brokerage and trading commissions across securities and derivatives, corporate finance advisory fees (M&A, restructuring, capital raising through Invest Corporate Finance), institutional custody and depositary services, and Private Banking subscription-style fees for portfolios exceeding €100,000. Accounts can be opened in approximately three minutes with a €5,000 minimum, and clients access 150+ global markets and 10,000+ financial assets through the trading platforms. The bank is privately held and does not disclose revenue figures publicly.

Name

Banco Invest

Legal name

Banco Invest S.A.

Website

https://bancoinvest.pt

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

101–250 employees

Short description

Banco Invest S.A. is a Portuguese private bank specializing in savings and investment products, serving affluent individuals, corporates, and institutional investors through six investment centers, multi-platform trading (BTrader, Invest Trader, Bond Trader), and a wholly-owned asset management subsidiary (Invest Gestão de Activos).

Ownership category

akta.pro rank

Product category

Private Banking and Wealth Management

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Depository Credit Intermediation (5221)

SIC

Investment Advice (6282), State Commercial Banks (6022), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industries

Execution-Only / Self-Directed Investing Platforms (FSAAAAAI), Investor Education, Research & Portfolio Analytics Services (Retail) (FSAAAAAO), General SME & Middle-Market Commercial Banking (FSABABAA)

Keywords

• Private banking services
• Retirement savings plans
• Investment fund management
• Brokerage trading platforms
• Institutional custody services

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Interest income from lending activities (credit lines, mortgages, automobile credit) and interest spread on deposits and structured products
2. Asset Management Fees: Management fees from PPR (pension) funds, investment funds, and strategic funds managed by Invest Gestão de Activos (100% owned subsidiary)
3. Brokerage and Trading Commissions: Commissions from securities trading (stocks, bonds, ETFs, CFDs, futures, options), custody services, and platform access fees across multiple trading platforms
4. Corporate Finance Advisory: M&A advisory, transaction services, capital raising, and restructuring services through Invest Corporate Finance
5. Institutional Custody Services: Depository bank services for investment funds and asset management companies, including institutional custody and depository services
6. Private Banking Services: Wealth management, portfolio management, investment consulting, and private equity services for high-net-worth clients with portfolios exceeding €100,000

Pricing tiers

Distribution channels6 records

Marketing channels6 records

Core offering

Banco Invest is a Portuguese specialized banking institution offering savings and investment products to affluent retail investors, corporations, and institutional clients. Its core offering consists of pension savings plans (PPRs), investment and strategic funds, thematic bundles (Invest Trends), term and structured deposits, multi-platform trading (BTrader Next/Plus, Invest Trader, Bond Trader) with access to 150+ global markets, Private Banking wealth management for portfolios exceeding €100,000, corporate finance advisory, institutional custody/depositary services, and credit facilities including the Global Credit Line, auto credit, and real estate credit. Distribution combines a digital self-service stack (homebanking, mobile apps, trading platforms, open banking APIs) with six investment centers, dedicated private bankers, and a tied-agent network across Portugal.

Differentiator

Problem solved

Functional benefit

Brands

• Invest GA: Asset management subsidiary specializing in investment fund management including PPRs, mutual funds, and strategic funds
• Invest BTrader
• BTrader Next
• BTrader Plus
• Invest Trader
• Bond Trader
• Invest Trends
• Smart Invest
• Invest AR PPR
• Invest Imocredit
• Bi Credit
• Linha de Crédito Global
• Invest Money Box
• Invest Corporate Finance

Products and services

• Invest Choice Novos Montantes (Term Deposits) Fixed-rate term deposits (Aplicações a Prazo) for retail savers, offered through Invest Online in 3- and 6-month terms with capital-guaranteed returns and competitive TANB rates.
• Structured Deposits (Depósitos Estruturados / Depósitos Indexados) Capital and minimum return-guaranteed structured deposits linked to baskets (e.g., 'Invest Cabaz Mundial Jul-26') for retail investors seeking conditional upside with downside protection.
• Smart Invest (PPR) Portuguese pension savings plan (PPR) offering multiple risk profiles managed by Invest Gestão de Activos, recognized through multiple industry awards (Best PPR 2021, Best PPR Fund 2025, Best Fund Defensive Mixed 2017).
• Invest AR PPR Pension savings plan under the Alves Ribeiro family of funds, offering diversified allocation and tax-advantaged retirement savings for Portuguese investors.
• Invest Tendências Globais (PPR) Global-themes PPR offering retirement savers exposure to curated global investment trends within a tax-advantaged pension wrapper.
• Investment Funds (Fundos de Investimento) Managed mutual investment funds offered by Invest Gestão de Activos, providing diversified exposure across asset classes and risk profiles for retail and advised clients.
• Strategic Funds (Fundos Estratégicos) Strategic investment fund range managed by Invest Gestão de Activos for clients seeking differentiated or thematic mandates beyond traditional fund categories.
• Invest Trends (Thematic Investment Bundles) Thematic investment bundles composed of curated fund selections organized by trends (Innovation, Sustainability, Lifestyle, World, Sectors, Strategy) with €5,000 minimum and no subscription or redemption fees.
• BTrader Next (CFD Trading App) CFD trading platform for desktop and mobile providing access to over 10,000 financial assets and 330+ currency pairs across global markets for active traders.
• BTrader Plus (Professional Multi-Product Trading Platform) Professional multi-product trading platform with direct market access and advanced tools covering global equities, CFDs, futures, options, leveraged ETFs, Forex, and commodities for experienced traders.
• Invest Trader (Equities / ETFs / ADRs Platform) Online platform for trading European and American stocks, ETFs, and ADRs with zero custody commissions and no minimum opening requirement, targeting self-directed investors.
• Bond Trader (Obrigações Platform) Online bond trading platform integrated into Invest Online, providing access to over 1,000 public and private debt instruments for self-directed fixed-income trading.
• Private Banking Service Personalized wealth management service for clients with financial wealth above €100,000, delivered through dedicated Private Bankers offering investment solutions, portfolio management, investment advisory, and private equity access.
• Private Equity Service Private equity investment service offering qualified Private Banking clients access to private equity opportunities through the bank's portfolio management solutions.
• Investment Consulting (Consultoria para Investimento) Advisory service within Private Banking delivering personalized investment consulting and comprehensive financial planning to affluent clients.
• Global Credit Line (Linha de Crédito Global) Credit line allowing customers to borrow up to 80% of their portfolio value for liquidity needs, with leverage up to 5x using stocks, funds, ETFs, and deposits as eligible collateral.
• Invest Imocredit (Real Estate Credit) Real estate credit solution from Banco Invest supporting property-related financing needs for individual borrowers.
• Bi Credit (Auto Credit / Crédito Automóvel) Vehicle financing product from Banco Invest providing personal auto loans to retail clients.
• Invest Money Box Savings product available within Banco Invest's deposits and credit line facility, designed as a sub-account to support liquidity management alongside the Global Credit Line.
• Institutional Custody Services (Custódia Institucional) Depositary bank and institutional custody services for investment fund managers and asset management companies, providing regulated custody and oversight for investment funds.
• Invest Corporate Finance Investment banking advisory covering mergers and acquisitions, capital raising, restructuring, and transaction services for Portuguese corporate clients.
• Invest Gestão de Activos (Asset Management Mandates) Asset management services delivered via 100%-owned subsidiary Invest Gestão de Activos - Sociedade Gestora de Organismos de Investimento Colectivo S.A., managing PPRs, investment funds, and strategic funds.
• Portfolio Management (Gestão de Patrimónios) Portfolio management service within Private Banking providing discretionary and advisory management of client wealth for high-net-worth clients.
• Structured Products (Produtos Estruturados) Structured investment products available through Banco Invest, providing payoff-linked exposure tailored to investor profiles under the investment menu.
• DECO PROTESTE Carteira Global Long-term capital growth solution within the investment range, recognized as the recommended choice by consumer organization DECO PROTESTE for 2026.

Quantifiable outcome

• Access to 150+ global markets through single account
• +2 more outcomes

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature6 records

Partnerships

Two partnerships are on record, tiered core and minor.

• SBE (School of Business & Economics)coreStrategic or Co-development Partner · 1 January 2025Academic partnership creating a dedicated chair in the Master of Science in Finance program. Students manage a real investment portfolio with sponsorship from Banco Invest, providing practical financial education and early talent development.
• Nova FCminorGTM or Marketing PartnerPartnership with Nova Faculty of Sciences for collaborative initiatives and student engagement.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Novo Banco: Major Portuguese bank offering private banking, asset management, brokerage, and investment funds. Overlaps with Banco Invest across investment funds, trading, and PPR products but operates at significantly larger scale.
• Banco Santander Totta: Portuguese subsidiary of Santander Group with Private Banking, Santander Asset Management, and trading platforms. Broad incumbent that competes with Banco Invest for affluent clients and offers overlapping investment funds and structured products.
• Millennium BCP: Largest Portuguese private-sector bank with extensive Private Banking, asset management (Millennium bcp Gestão de Activos), and trading offerings. Larger and broader competitor but with significant overlap in investment products serving the same affluent retail segment.
• Caixa Geral de Depósitos (CGD): Portuguese state-owned bank with broad retail, private banking (Caixa Wealth Management), asset management (Caixa Gestão de Ativos), and trading offerings. Dominant incumbent competing across Banco Invest's full product spectrum at much larger scale.

Emerging players

• Bison Bank: Portuguese private bank focused on private banking, wealth management, and investment services. Comparable as a smaller, niche Portuguese private bank competing for affluent and HNW clients.
• Activobank (Novo Banco's digital brand): Digital-first Portuguese bank within Novo Banco group offering self-directed investing, trading platforms, and savings products. Comparable digital trading and self-service investment offering targeting younger mass-affluent clients.

Direct peers

• Banco BPI: Major Portuguese private bank (owned by CaixaBank) offering Private Banking, investment funds, PPRs, and structured products. Direct competitor for affluent and HNW clients with overlapping product set in funds, structured deposits, and trading.
• Banco BiG (Banco de Investimento Global): Portuguese investment-focused bank offering trading platforms, investment funds, and advisory for affluent and active-trader clients. Most direct competitor given its parallel focus on savings/investment rather than mass retail, multi-platform trading, and Portuguese wealth-management positioning.
• Banco Carregosa: Portuguese private bank specializing in wealth management, asset management (Carregosa Wealth Management), and brokerage with over 100 years of history. Highly comparable as a niche Portuguese private bank focused on HNW and family-office clients.

Regional players

• Haitong Bank (Lisbon branch): Chinese-owned investment bank with significant Lisbon operations focused on corporate finance, brokerage, and institutional services. Comparable niche investment-banking footprint in Portugal serving corporate and institutional clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@BancoInvestSA
• LinkedInlinkedin.com/company/banco-invest
• Xx.com/bancoinvest

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Banco Invest