What Banco Finantia does

Banco Finantia is an independent Portuguese private bank founded in 1987, headquartered in Lisbon, with approximately 250 employees and operations across Portugal, Spain, the United Kingdom, the United States, and Malta. The bank operates two core business lines: Private Banking (Banca Privada) and Corporate & Investment Banking (Banca Corporativa e de Investimento). As of 31 December 2024 it reported €2,483 million in total assets and more than €484 million in equity capital; for full-year 2025 it reported €29.4 million of net profit and a 22.7% CET1 and total capital ratio, well above sector averages.

The Private Banking division offers demand deposits, term deposits in EUR and USD (Jump and Visão product lines with minimums of €50,000), non-independent investment advisory, securities trading (bonds, investment funds, equities), custody, foreign currency accounts, and distribution of third-party investment funds from Amundi, JPMorgan, and Schroders. The Corporate & Investment Banking division provides corporate lending, syndicated loans, bond origination and placement, capital markets operations including Eurobonds and commercial paper, and M&A and financial advisory services, with explicit focus on cross-border transactions in Portugal, Spain, Latin America, Turkey, and CEI countries. Digital services are delivered through FinantiaNet (web), the FinantiaNet mobile app, online account opening with video verification, and an API Developer Portal for partner integrations.

Revenue is generated through interest income on deposits, advisory and brokerage commissions, distribution fees on third-party funds, and transaction-based capital markets and advisory fees. Distribution is primarily through dedicated private bankers and corporate banking teams delivered via five Iberian branches and four international offices, complemented by CTT partnership-based account opening and digital onboarding. The bank is privately held with predominantly national private capital and is not part of a banking conglomerate, distinguishing it from most Iberian peers.

Name

Banco Finantia

Legal name

Banco Finantia, S.A.

Website

https://finantia.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

Banco Finantia is an independent Portuguese private bank founded in 1987, offering private banking and corporate & investment banking services to high-net-worth individuals and mid-to-large corporates through offices in Portugal, Spain, the UK, the US, and Malta.

Ownership category

akta.pro rank

Product category

Private and Corporate Banking

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industries

Corporate Finance & Capital Advisory (BPAHADAB), Debt Advisory & Financing Advisory (FSAEAGAD), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Private banking services
• Corporate investment banking
• Investment advisory
• Capital markets services
• Wealth management

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Term Deposit Interest: Interest income from term deposits in EUR and USD, with rates ranging from 2.25% to 2.75% for EUR deposits and 3.50% to 3.90% for USD deposits. Deposits range from 6 months to 24 months with minimum investment of €50,000 or $50,000.
2. Investment Advisory and Brokerage Fees: Non-independent investment advisory services providing personalized recommendations on investment funds, bonds, and equities. Also includes securities purchase and sale execution services with commissions.
3. Investment Fund Distribution: Distribution of investment funds from third-party managers (Amundi, JPMorgan, Schroders) earning distribution commissions. Funds include equity, bond, money market, and multi-asset categories.
4. Corporate Banking and Capital Markets: Corporate lending, syndicated loans, bond issuance, and financial advisory services for corporate clients. Activities include Eurobond origination, commercial paper programs, and M&A advisory.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Banco Finantia is a Portuguese private bank operating two core divisions. The Private Banking arm provides demand and term deposits (Jump, Visão, Rendimento), personalised investment advisory, securities trading (bonds, investment funds, equities), custody and foreign-currency accounts for high-net-worth individuals, typically with a €50,000 minimum. The Corporate & Investment Banking arm delivers corporate lending, syndicated loans, Eurobond and commercial paper origination, bond market-making, and independent M&A/restructuring advisory for mid-to-large corporates in Iberia, Latin America, Turkey and the CEI.

Product overview

Banco Finantia operates as a specialized financial institution offering two primary business lines: Private Banking (Banca Privada) and Corporate & Investment Banking (Banca Corporativa e de Investimento). The Private Banking division provides a comprehensive suite of deposit products (demand deposits, term deposits under Jump and Visão brands), investment advisory services, securities trading (bonds, investment funds, shares), custody services, and foreign currency accounts. The Corporate & Investment Banking arm delivers corporate banking, capital markets operations, and financial advisory services. Digital banking is served through FinantiaNet (web and mobile app) and online account opening capabilities. The bank maintains its own API Developer Portal for partner integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Banca Privada (Private Banking) Personalised private-banking service for high-net-worth individuals, providing savings, deposits, investment advisory, securities trading and wealth-preservation solutions, accessed through dedicated Private Bankers and the FinantiaNet digital platform.
• Depósitos à Ordem (Demand Deposits) Current-account deposit service enabling daily asset management, payments, transfers and access to Banco Finantia's full product suite, available through branches and FinantiaNet.
• Depósitos a Prazo (Term Deposits) Term deposit products with guaranteed returns, available in EUR and USD with maturities of 6, 12 or 24 months and minimum investments of €50,000 or $50,000, including mobilizable (Jump 6M/12M, Visão 24M) and non-mobilizable variants protected up to €100,000 by the Deposit Guarantee Fund.
• Consultoria para Investimento (Investment Advisory) Non-independent, personalised investment advisory delivering tailored recommendations on investment funds, bonds and equities based on each investor's risk profile and financial objectives, executed by experienced Private Banking consultants.
• Obrigações (Bonds) Trading service enabling private clients to buy and sell government and corporate bonds, including Portuguese Treasury bonds and bonds from selected Iberian and European issuers, with execution and custody through Banco Finantia.
• Fundos de Investimento (Investment Funds) Distribution service providing private clients with access to a wide range of investment funds managed by Amundi, JPMorgan and Schroders, spanning equity, bond, money-market and multi-asset categories.
• Compra e Venda de Títulos (Securities Trading) Securities brokerage service executing purchase and sale orders for funds, bonds and shares in national and international markets, with best-price execution and access to market conditions information.
• Serviço de Custódia (Custody Service) Custody service providing registration and safekeeping of national and foreign financial instruments through a custody account, enabling transaction execution within and outside organised markets.
• Contas em Moeda Estrangeira (Foreign Currency Accounts) Foreign currency account service denominated in Euros and US Dollars enabling currency risk management and multicurrency investments, accessible through the FinantiaNet application.
• Banca Corporativa e de Investimento (Corporate & Investment Banking) Corporate and investment banking division delivering corporate banking, capital-markets and independent financial advisory services to mid-to-large corporates, with cross-border capabilities spanning the Iberian Peninsula, Latin America, Turkey and CEI countries.
• Banca Corporativa (Corporate Banking) Corporate banking offering delivering syndicated loans, guarantees, commercial paper, specialised financing, and equity and bond solutions for corporate clients.
• Mercado de Capitais (Capital Markets) Capital-markets operations specialising in origination, sale, distribution and market-making of fixed-income securities, including Eurobonds, commercial paper and corporate bonds, executed by teams in Lisbon, Madrid, London, New York and São Paulo.
• Assessoria Financeira (Financial Advisory) Independent financial advisory delivering mergers and acquisitions, valuations, business plans, restructurings, funding strategies, project finance and privatisation advice, with cross-border transaction expertise.
• FinantiaNet (Online & Mobile Banking) Proprietary digital-banking service available via web and mobile (App FinantiaNet on iOS and Android) providing 24/7 balance inquiries, transfers and operations on demand deposits for Banco Finantia clients.
• Abertura de Conta Online (Online Account Opening) Digital onboarding service enabling new Portuguese-resident clients to open accounts remotely via video identification and digital verification, with a €50,000 minimum initial deposit, or in-person through CTT partnership branches.

Quantifiable outcome

• 87% customer satisfaction rate in 2023 study
• +2 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Terra AlliancecoreStrategic or Co-development PartnerInternational network of investment and financial advisory institutions. Banco Finantia is part of this network providing access to cross-border advisory services and global investor network.
• Groupement Européen de Banques (GEB)coreStrategic or Co-development PartnerEuropean banking group network. Banco Finantia is a member providing access to European banking ecosystem and collaborative opportunities.
• APB - Associação Portuguesa de BancosminorOthersPortuguese Banking Association membership for industry representation and regulatory engagement.
• AEB - Asociación Española de BancosminorOthersSpanish Banking Association membership for industry representation in Spain.
• AFB - Association of Foreign Banks (London)minorOthersAssociation of foreign banks operating in London for networking and industry representation.
• ICMA - International Capital Market AssociationminorOthersInternational capital markets association membership for market standards and best practices.
• ITFA - International Trading and Forfaiting AssociationminorOthersInternational trade and forfaiting association for trade finance networking.
• IPCG - Instituto Português de Corporate GovernanceminorOthersPortuguese corporate governance institute for best practices and standards.
• AmundicoreChannel Partner/ Reseller/ DistributorThird-party investment fund manager whose funds are distributed by Banco Finantia to private banking clients. Funds include equity, bond, and multi-asset categories.
• JPMorgancoreChannel Partner/ Reseller/ DistributorThird-party investment fund manager whose funds are distributed by Banco Finantia to private banking clients. Wide range of equity and bond funds.
• SchroderscoreChannel Partner/ Reseller/ DistributorThird-party investment fund manager whose funds are distributed by Banco Finantia to private banking clients. Specialist in equity and bond funds.
• CTT - Correios de PortugalminorChannel Partner/ Reseller/ DistributorPortuguese postal service partner allowing account opening through CTT branches for clients who prefer in-person verification.

Scale indicators6 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• Banco Carregosa: Portuguese private bank also focused on private banking and high-net-worth individuals, with similar independent ownership and Iberian footprint. Closest direct comparable in size, business model, and product mix (deposits, advisory, funds).
• Banco BiG: Independent Portuguese bank offering online trading, private banking, and corporate services. Comparable as a niche Iberian competitor targeting retail-affluent and HNW clients with differentiated digital and advisory offerings.
• Andbank: Andorra-headquartered private banking group with a strong Iberian franchise serving HNW clients through advisory, discretionary management, and investment funds. Overlapping product set and customer segment with Banco Finantia's private banking arm.
• Banca March: Spanish family-owned private bank with private banking, corporate banking, and asset management activities. Direct competitor in the Iberian Peninsula serving HNW individuals and mid-sized corporates with relationship-driven advisory.

Broad incumbents

• EFG International: Swiss-headquartered global private banking group offering wealth management and investment advisory across Europe, Asia, and the Americas. Comparable in its HNW focus and cross-border advisory capabilities, though larger and more geographically diversified.
• Mirabaud: Swiss private bank with wealth management, asset management, and corporate finance divisions. Comparable in the integration of private banking with advisory and corporate finance, although Mirabaud operates on a much larger international scale.
• Banco Português de Investimento (BPI): Major Portuguese universal bank with private banking, corporate banking, and investment banking divisions. Overlaps with Banco Finantia across product lines but is part of a larger banking group (CaixaBank) with significant scale advantages.
• Caixa Geral de Depósitos (CGD): Portuguese state-owned universal bank offering retail, private, and corporate banking. National incumbent that competes with Banco Finantia across deposit-taking and corporate finance, with substantially larger balance sheet and distribution.

Regional players

• Haitong Bank, S.A. Portugal-based subsidiary of China's Haitong Securities with investment banking, securities, and private banking operations. Comparable in the Iberian securities and corporate finance space, with cross-border Chinese-Lusophone linkages.

Emerging players

• Banco Invest: Portuguese bank focused on private banking and investment services for retail and institutional clients. Similar independent profile and Iberian footprint, though smaller in scale and focused on a narrower product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/banco-finantia

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

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 Finantia