Banco BPI, S.A.
Banco BPI is a Portuguese retail and commercial bank wholly-owned by CaixaBank, serving individuals, SMEs, and corporates across eight segments with current accounts, lending, insurance, investment, and asset management products distributed through branches, digital channels, and an AI virtual assistant.
- Company typePrivate
- Founded1981
- HeadquartersOporto, Portugal
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Banco BPI, S.A. does
Banco BPI, S.A. is a Portuguese retail and commercial bank headquartered in Porto and wholly-owned by CaixaBank, the largest banking group in Spain by total assets. The bank operates across eight customer segments — Particulares (retail), Premier, Private & Wealth, AGE (12-25), Citizen (foreigners), Empresas (corporate), Negócios (self-employed), and 65+ — providing a comprehensive financial services portfolio spanning current accounts, debit and credit cards, personal, home, and auto loans, savings and investment products (time deposits, PPR retirement plans, capitalization insurance), life, auto, home, and health insurance, asset management (via subsidiary BPI Gestão de Ativos), and life insurance and pensions (via subsidiary BPI Vida e Pensões).
The bank's product distribution rests on a hybrid model combining a nationwide physical branch network (rede de balcões) with multi-channel digital infrastructure, including BPI Net (online banking), BPI App (mobile banking), BPI Direto (24/7 phone banking), Contacto com o Gestor (digital relationship-manager messaging), and an AI-powered Virtual Assistant available 24/7 across the app and contact center. The technology stack integrates SWIFT for international payments, Mastercard and Visa for card networks, and proprietary credit-scoring, fraud-detection, recommendation, and process-automation AI systems applied to customer transaction and financial-profile data under GDPR, PDPA, FATCA, CRS, and SWIFT compliance frameworks.
Banco BPI generates revenue through interest income (mortgage, personal, and auto lending at TAEG from 9.0% for personal loans), banking fees and commissions on accounts and transactions, insurance distribution commissions (as a registered insurance agent), and investment product distribution fees. The bank has been recognized by Euromoney as the Best Bank for Individuals in Portugal and holds CMVM, Banco de Portugal, and ASF licenses. As a wholly-owned subsidiary of CaixaBank, Banco BPI does not publicly trade; its strategic direction operates within the parent group's framework, including the 2022-2024 Strategic Plan period.
Banco BPI, S.A. firmographics
Firmographics- Name
- Banco BPI, S.A.
- Legal name
- BANCO BPI, S.A.
- Website
- https://bancobpi.pt
- Company type
- Private
- Founded year
- 1981
- Operating status
- Operating
- Short description
- Banco BPI is a Portuguese retail and commercial bank wholly-owned by CaixaBank, serving individuals, SMEs, and corporates across eight segments with current accounts, lending, insurance, investment, and asset management products distributed through branches, digital channels, and an AI virtual assistant.
- Ownership category
- akta.pro rank
Banco BPI, S.A. industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where Banco BPI, S.A. is headquartered
LocationHeadquarters
- HQ city
- Oporto
- HQ country
- Portugal
- HQ region
- Europe
Offices2 records
Markets served
Banco BPI, S.A. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Income from lending activities including personal credit (Crédito Pessoal), home loans (Crédito Habitação), and auto loans with interest rates and TAEG (annual effective rate) applied.
- Banking Fees and Commissions: Account maintenance fees, transaction fees, and service commissions for banking operations including transfers, payments, and account management.
- Insurance Distribution: As a registered Insurance Agent (Agente de Seguros), BPI distributes life insurance, auto insurance, home insurance, and health insurance products earning commission income.
- Investment Products Distribution: Distribution of savings plans (PPR), capitalization insurance, time deposits, and investment services with management and distribution fees.
- Payment Services: Income from card transactions, payment processing through networks like Mastercard and Visa, and associated interchange fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Crédito Imediato BPI - Personal loan with quick approval |
| Subscription | Monthly | Home Loan Solutions (Crédito Habitação) |
| Subscription | Multi-year contract | BPI SMART PPR - Pension savings plans |
| Subscription | Monthly | Insurance Products |
| Subscription | Monthly | Current Account Services |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels9 records
Banco BPI, S.A. product offering
Product offeringCore offering
Banco BPI is a universal Portuguese bank providing retail and corporate banking services. It offers current accounts, debit and credit cards, personal loans, home mortgages, and auto financing, alongside savings and investment products (time deposits, PPR pension plans, capitalization insurance), insurance distribution (life, auto, home, health), wealth management via BPI Gestão de Ativos and BPI Vida e Pensões, and corporate banking services. Customers access services through a nationwide branch network combined with the BPI App, BPI Net online banking, 24/7 BPI Direto phone support, and an AI-powered virtual assistant.
Product overview
Banco BPI, S.A. offers a comprehensive banking and financial services portfolio organized across digital banking platforms (BPI App and BPI Net), lending products (personal loans, home mortgages, auto financing), savings and investment solutions (time deposits, goal-based savings, PPR retirement plans, capitalization insurance), insurance products (life, auto, health, home), and trading services (App BPI Broker). The bank operates BPI Gestão de Ativos for asset management and BPI Vida e Pensões for life insurance and pensions. Digital services include 24/7 customer support through BPI Direto and the AI-powered Virtual Assistant, while the BPI Store e-commerce platform extends services to retail product purchases. The bank is part of the Grupo CaixaBank and serves retail customers across segments including Particulares, Premier, Private & Wealth, AGE, Citizen, and 65+.
Differentiator
Problem solved
Functional benefit
Brands
- BPI App: Mobile banking application for iOS and Android devices
- BPI Net
- BPI Direto
- BPI Júnior
- BPI AGE
- BPI Citiz
- Premier
- Private & Wealth
- BPI SMART PPR
- BPI Gestão de Ativos
- BPI Vida e Pensões
Products and services
- Contas à Ordem (Current Accounts) Standard bank accounts for daily banking operations including deposits, withdrawals, transfers, and direct debits, available to retail customers in Portugal.
- Cartões de Débito e Crédito (Debit and Credit Cards) Debit and credit cards under Mastercard and Visa brands offering payment, cash withdrawal, and purchase financing to retail and corporate customers.
- Crédito Pessoal (Personal Loans) Personal loans for projects and major purchases, including Crédito Imediato BPI with fully online processing, fixed rate, TAEG from 9.0%, and repayment terms up to 84 months.
- Crédito Habitação (Home Mortgage Loans) Home mortgage solutions for purchasing property, including Crédito Jovem for first-time young buyers and credit transfer options for existing borrowers.
- Crédito Automóvel (Auto Financing) Auto financing solutions for vehicle purchases distributed through dealer partnerships and the BPI Store.
- Depósitos a Prazo (Time Deposits) Time deposits including the Depósito Especial BPI 5 anos for medium-term savings with guaranteed returns, sold to retail savers.
- Poupança Objetivo (Goal-Based Savings Accounts) Goal-based savings accounts enabling customers to save towards specific financial objectives through targeted savings plans.
- PPR — Planos de Poupança Reforma (Pension Savings Plans, including BPI SMART PPR) Pension and retirement savings plans including the BPI SMART PPR suite of four options at different risk levels for retirement planning.
- Seguros de Capitalização (Capitalization Insurance) Capitalization insurance products sold to retail customers for investment purposes with capital growth potential.
- Seguro de Vida (Life Insurance — BPI Mais Vida) Life insurance products including the BPI Mais Vida policy providing family and property protection coverage to retail customers.
- Seguro Automóvel (Auto Insurance) Vehicle insurance coverage for cars and other automobiles, distributed by BPI as a registered insurance agent.
- Seguros de Saúde (Health Insurance) Health insurance products providing medical coverage and healthcare benefits to retail customers.
- Seguros Casa e Recheio (Home Insurance) Home insurance coverage for properties and contents distributed to retail customers.
- BPI App (Mobile Banking Application) Mobile banking application for iOS and Android enabling customers to manage accounts, cards, savings, investments, and transfers 24/7.
- BPI Net (Online Banking Platform) Online banking web platform enabling customers to access accounts, perform transactions, and manage banking services via a secure 5-digit access code.
- App BPI Broker (Securities Trading Application) Mobile application for retail securities trading, market access, and investment portfolio management.
- Loja BPI (BPI Store — Retail Marketplace/Finance Aggregator) Own-brand online store platform enabling customers to purchase electronics, vehicles, home equipment, and security products with bundled BPI credit offers.
- Viaturas Benecar (Used Vehicle Platform on BPI Store) Used vehicle sales platform integrated within BPI Store featuring certified pre-owned cars with associated BPI auto financing.
- Serviço BPI Poupar Investir (Savings & Investment Advisory Service) Advisory service helping customers plan and manage savings and investments.
- BPI Gestão de Ativos (Asset Management) Asset management services including investment funds and portfolio management offered through the wholly-owned BPI Gestão de Ativos subsidiary.
- BPI Vida e Pensões (Life Insurance and Pensions) Life insurance and pensions services offered through the wholly-owned BPI Vida e Pensões subsidiary.
- BPI Net Empresas (Corporate Banking Services) Corporate banking services for businesses and SMEs including business credit, treasury management, payroll, and dedicated relationship support.
Quantifiable outcome
- Credit Imediato BPI approved within same session, 100% online process
- +2 more outcomes
Companies that use Banco BPI, S.A.
Customer profileSegments8 records
Ideal customer profiles4 records
Banco BPI, S.A. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability7 records
Feature4 records
Banco BPI, S.A. partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights6 records
Banco BPI, S.A. competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Banco BPI, S.A. social profiles
Digital presenceBanco BPI, S.A. compliance and trust
Trust signalCompliance6 records
Banco BPI, S.A. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Banco BPI, S.A. leadership team
Management profileNumber of profiles
Banco BPI, S.A. subsidiaries and ownership
Company hierarchySubsidiaries2 records
Banco BPI, S.A. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Banco BPI, S.A. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Banco BPI, S.A.
What does Banco BPI, S.A. do?
Banco BPI is a universal Portuguese bank providing retail and corporate banking services. It offers current accounts, debit and credit cards, personal loans, home mortgages, and auto financing, alongside savings and investment products (time deposits, PPR pension plans, capitalization insurance), insurance distribution (life, auto, home, health), wealth management via BPI Gestão de Ativos and BPI Vida e Pensões, and corporate banking services. Customers access services through a nationwide branch network combined with the BPI App, BPI Net online banking, 24/7 BPI Direto phone support, and an AI-powered virtual assistant.
Is Banco BPI, S.A. a public or private company?
Banco BPI, S.A. is a private company. It is classified as corporate owned and is currently operating.
When was Banco BPI, S.A. founded?
Banco BPI, S.A. was founded in 1981.
Where is Banco BPI, S.A. based?
Banco BPI, S.A. is headquartered in Oporto, Portugal, in the Europe region.
How does Banco BPI, S.A. make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Commissions, insurance Distribution, investment Products Distribution and payment Services.
Does Banco BPI, S.A. have an API?
No public API is recorded for Banco BPI, S.A..
What industry is Banco BPI, S.A. in?
Banco BPI, S.A.'s product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.