autoaires

What autoaires does

Caixa Geral de Depósitos (CGD) is Portugal's state-owned bank, founded in 1876 and wholly owned by the Portuguese Government. The institution operates as a full-service commercial bank serving both individual retail customers (Particulares) and business clients (Empresas) through a horizontal segmentation strategy that spans life stages, geographies, and use cases. Its product portfolio covers current and savings accounts, mortgage and personal credit (including automobile financing), investment funds and pension products (PPR), and a full suite of insurance products distributed through bancassurance partnerships. Revenue is generated through interest income on lending, transaction and account maintenance fees, commissions on investment and insurance distribution, and digital payment services.

The technology infrastructure is anchored on Caixadirecta, a 24/7 homebanking platform complemented by the APP Caixadirecta mobile application. Notable technical components include Virtual Teller Machines (VTMs) with video-assisted remote service, an Open Banking/PSD2-compliant integration via the SIBS API Market, digital document management (Documentos Digitais), and authentication through Portugal's Chave Móvel Digital government system. Distribution operates as an omnichannel model combining an extensive physical branch network across Portugal with international presence in Europe, Africa, America, and Asia, supplemented by a 24/7 contact center, the Caixa Imobiliário real estate service, and digital payment integrations with Apple Pay, Google Pay, Samsung Pay, PayPal, MB NET, and SwatchPAY. AI capabilities are limited to a text-based digital assistant named CAIXA used for customer service queries.

CGD generates revenue across five primary streams: retail banking services (interest margin, fees), credit operations (mortgage, personal, automobile lending and leasing), investment products (funds, pensions, brokerage), insurance distribution (Multicare health, life, home, automobile), and digital payment services. Pricing is quote-based and disclosed through an official pricing brochure (Preçário); no public per-product pricing is available. The bank is regulated by Banco de Portugal (registration nº 35), CMVM (securities regulator), and ASF (insurance and pension funds supervisor, nº 419501357). (Note: The firmographic header in the input refers to 'autoaires' (12 employees, Colombian website); however, all structured source content with source ID describes CGD. Analysis is grounded in the substantive source material.)

Name

autoaires

Legal name

Caixa Geral de Depósitos, SA

Website

https://autoaires.com.co

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

11–50 employees

Short description

Caixa Geral de Depósitos (CGD) is Portugal's state-owned bank, founded in 1876, offering retail and corporate banking, mortgage and personal credit, insurance distribution, investment products, and digital payments through branches, Caixadirecta online/mobile banking, and an international network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Retail banking services
• Commercial banking
• Digital banking platform
• Mortgage lending
• Payment card services

Headquarters

HQ city

Lisbon

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Retail Banking Services: CGD generates revenue through interest income on loans (mortgages, personal loans, automobile financing), interest paid on deposits, transaction fees, account maintenance fees, and commissions on various banking services.
2. Credit Operations: Mortgage lending (crédito habitação), personal credit (expresso multifinalidade, formação, saúde), and automobile financing including leasing and renting solutions.
3. Investment Products: Investment funds (fundos de investimento mobiliário), pension funds (fundos de pensões abertos), savings plans for retirement (PPR), financial insurance products, and brokerage services.
4. Insurance Products: Bancassurance distribution including health insurance (Multicare), life insurance (Vida Risco Gerações, Proteção Vital 65+), home insurance, automobile insurance (Liber 3G), and other personal insurance products.
5. Digital and Payment Services: Fees from payment services including MB NET virtual cards, card transaction commissions, and digital payment integrations (Apple Pay, Google Pay, Samsung Pay).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Provides retail and commercial banking services including current and savings accounts, credit cards (credit, debit, prepaid), mortgage and personal lending, automobile financing/leasing, investment funds and pension plans, and bancassurance distribution (health, life, home, auto). The bank operates an omnichannel distribution model combining an extensive Portuguese branch network with the Caixadirecta digital banking platform, mobile app, Open Banking/PSD2-compliant APIs, and contact center support.

Product overview

Caixa Geral de Depósitos (CGD) offers a comprehensive digital banking ecosystem centered on the Caixadirecta platform, which serves as the primary home banking channel. The digital portfolio includes the Caixadirecta web service, APP Caixadirecta mobile application, Documentos Digitais for electronic statements, and the experimental Caixa no Metaverso initiative. Authentication is handled through Chave Móvel Digital integration with Portuguese government systems. The bank also provides Open Banking access under PSD2 regulations and operates Virtual Teller Machines for remote branch services. Digital payment integrations include Apple Pay, Google Pay, Samsung Pay, PayPal, and MB NET virtual cards. Note: The extraction was requested for company 'autoaires' but source data is exclusively about CGD; extracted products reflect actual source content.

Differentiator

Problem solved

Functional benefit

Products and services

• Caixadirecta Home Banking 24/7 online banking service for individuals and businesses enabling account access, transfers, digital document signing, and other banking operations through web and mobile.
• APP Caixadirecta Mobile Application Mobile banking application for smartphones offering account management, card controls, and payment services with security features, including card tokenization for digital wallets.
• Credit Cards Credit card offerings for retail individuals with support for contactless payments, 3D Secure, automatic installment payments (Pagamentos Fracionados), and digital wallet tokenization.
• Debit Cards Debit card products linked to customer current accounts for everyday purchases and ATM access.
• Prepaid Cards (Caixa Break) Prepaid card products (Caixa Break) with online portal for balance checks, transaction history, and card controls.
• Mortgage Credit (Crédito Habitação) Mortgage lending solutions covering home purchase, transfer of existing mortgages, construction, renovation works, real estate investment, and young buyer programs.
• Personal Credit and Automobile Financing Personal credit products including expresso multifinalidade (multi-purpose), formação (education), and saúde (health) loans, plus automobile financing through leasing and renting (Locarent partnership) solutions.
• Investment Funds and Pension Plans Investment fund (fundos de investimento mobiliário), open pension funds (fundos de pensões abertos), retirement savings plans (PPR), financial insurance products, and brokerage services.
• Bancassurance Products Distribution of health insurance (Multicare 1, 2, 3, Multicare Dental, Multicare 60+), life insurance (Vida Risco Gerações, Proteção Vital 65+), home insurance, and automobile insurance (Liber 3G).
• Current and Savings Accounts Multi-product account solutions (Soluções Multiproduto) and current accounts (contas à ordem) with online account opening, direct debit, transfers, salary domiciliation, and account change service.
• Open Banking Service (PSD2) PSD2-compliant open banking service delivered through SIBS API Market, enabling authorized third-party providers to access customer account information and initiate payments with consent.
• MB NET Virtual Cards Free service that creates virtual MB NET cards from debit, credit, or prepaid cards for secure online (card-not-present) transactions.
• Virtual Teller Machine (VTM) Self-service terminal with remote video assistance allowing customers to perform banking transactions and interact with bank staff via video call for account services.
• Digital Documents (Documentos Digitais) Electronic document management and storage system allowing customers to access, manage, and store bank statements and official correspondence without paper.
• Digital Wallet Payment Services Contactless mobile payment services through Apple Pay, Google Pay, Samsung Pay, SwatchPAY!, and PayPal card linking via the Caixadirecta app.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

13 partnerships are on record, tiered core.

• Apple PaycoreTechnology or IntegrationCGD supports Apple Pay integration, allowing customers to make contactless payments using their iPhone or Apple Watch at any payment terminal.
• Google PaycoreTechnology or IntegrationCGD enables Google Pay payments for Android smartphone and Wear OS smartwatch users.
• Samsung PaycoreTechnology or IntegrationCGD supports Samsung Pay for contactless mobile payments on Samsung devices.
• PayPalcoreTechnology or IntegrationCustomers can link their CGD cards to PayPal directly through the Caixadirecta app for online payments.
• MB NETcoreTechnology or IntegrationFree service for creating MB NET virtual cards from debit, credit, or prepaid cards for secure online transactions.
• LocarentcoreChannel Partner/ Reseller/ DistributorPartnership for automobile renting solutions with Locarent, offering new vehicles with fixed monthly payments and associated services.
• Chave Móvel Digital (Portuguese Government)coreStrategic or Co-development PartnerIntegration with Portugal's Digital Mobile Key for secure authentication to banking services, allowing data updates and secure login.
• Multicare (Health Insurance)coreChannel Partner/ Reseller/ DistributorDistribution partnership for Multicare health insurance products including Multicare 1, 2, 3, Multicare Dental, and Multicare 60+.
• Bank of PortugalcoreOthersCGD is registered and regulated by Bank of Portugal (registration number 35), the national central bank and banking regulator.
• CMVM (Comissão do Mercado de Valores Mobiliários)coreOthersCGD is registered with CMVM (securities regulator) for investment services and intermediation.
• ASF (Autoridade de Supervisão de Seguros e Fundos de Pensões)coreOthersCGD is registered with ASF (insurance and pension funds supervisor) under number 419501357 for insurance distribution.
• Open Banking (DSP2/DSP3)coreTechnology or IntegrationCGD participates in Open Banking ecosystem complying with European Payment Services Directive 2, enabling third-party provider integrations and consumer rights under DSP2.
• SIBS (Open Banking Platform)coreTechnology or IntegrationCGD uses SIBS API Market for Open Banking services and payment processing infrastructure in Portugal.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CaixaBank: Spain's largest retail bank with comparable full-service profile (deposits, mortgages, insurance via VidaCaixa, asset management) and a strong Iberian bancassurance franchise; operates under a similar savings-bank heritage and serves retail and SME customers across Spain.
• Novo Banco: Portuguese universal bank offering retail, mortgage, and corporate banking services with international presence; competes directly with CGD for Portuguese retail and SME customers post-restructuring.
• Millennium BCP: Largest privately-owned Portuguese commercial bank, directly competing with CGD in retail deposits, mortgages, and corporate banking across Portugal; the most direct head-to-head competitor for Portuguese market share.
• Bankinter: Spanish commercial bank with strong digital banking capabilities and a focused retail/SME franchise; comparable in business model with a more digital-forward execution than CGD.
• Banco BPI: Portuguese universal bank (CaixaBank-controlled) focused on retail, SME, and private banking; competes directly with CGD across deposits, mortgages, and bancassurance distribution in Portugal.
• Banco Santander Totta: Portuguese subsidiary of Santander Group serving retail and corporate customers with full banking products; directly overlaps CGD's value proposition across the Portuguese market.

Broad incumbents

• BNP Paribas: Major European universal bank with retail banking, insurance, and wealth management; overlaps CGD's full-service offering across retail deposits, lending, and bancassurance but at pan-European scale.
• Banco Bilbao Vizcaya Argentaria (BBVA): Large Spanish/European universal bank with retail, SME, and corporate banking plus bancassurance; competes in Iberia and across Europe but at significantly greater scale and broader geographic footprint.

Others

• CECA (Confederación Española de Cajas de Ahorros): Spanish savings-bank association and services platform; relevant ecosystem comparator for CGD's 'caixa geral' heritage and shared savings-bank institutional model in Iberia.

Regional players

• Ibercaja: Spanish regional savings bank with retail and SME focus; comparable in heritage and product breadth to CGD but operating primarily in Spain rather than Portugal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/mediacgd
• Facebookfacebook.com/caixageraldedepositos
• LinkedInlinkedin.com/company/autoaires-
• Instagraminstagram.com/caixageraldedepositos
• TikToktiktok.com/@cgd_pt

Revenue estimate

Valuation estimate

Number of profiles

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 autoaires