Poupança no Minuto

What Poupança no Minuto does

Poupança no Minuto is a tied credit intermediary and insurance broker operating in Portugal under the legal entity Financefy S.A. Founded in 2022 and headquartered in Oeiras, the company serves individual consumers seeking mortgage credit, personal loans, debt consolidation, auto financing, and insurance products (life, mortgage life, multi-risk, health, personal accident). It is registered with Banco de Portugal as a tied credit intermediary (registration no. 0006860) and conducts insurance mediation through its sister entity Financefy - Mediação de Seguros Lda (ASF registration no. 423578365).

The company's operating stack consists of an online simulation platform paired with an agent-based advisory workflow. Consumers access self-service simulators covering housing credit, personal loans, consolidated credit, auto credit, and insurance via the poupancanominuto.com domain, or engage directly with dedicated agents via phone (+351 211 453 334) or WhatsApp during business hours (Monday-Friday 9am-7pm). An internal comparison engine analyzes proposals from 13+ partner banks and insurers to surface tailored options, supported by an educational content platform (PoupAcademy) and multilingual support in Portuguese, English, and French.

The business model is purely transactional: services are free to consumers, with revenue generated entirely through commissions paid by partner financial institutions on successful placements. Distribution combines direct agent-led advisory, self-service web simulators, and channel sales via partner banks including Abanca, Banco CTT, Banco BNI, Bankinter, BNP Paribas, BPI, Caixa Geral de Depósitos, Cetelem, Cofidis, Novo Banco, Santander, and UCI, plus insurance partners. The company employs 11-50 staff, maintains a 5.0 Google Reviews rating, and runs an active multi-channel social presence across Instagram, Facebook, LinkedIn, YouTube, TikTok (under persona @mariapoupadinha), and Reddit.

Name

Poupança no Minuto

Legal name

Financefy S.A.

Website

https://poupancanominuto.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Poupança no Minuto is a Portugal-based tied credit intermediary and insurance broker (Financefy S.A.) that helps individual consumers compare and secure mortgage credit, personal loans, debt consolidation, auto loans, and insurance across 13+ partner banks and insurers, with services free to end users.

Ownership category

akta.pro rank

Product category

Credit Intermediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Life Insurance (6311)

akta.pro primary industry

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)

Keywords

• Credit intermediation
• Mortgage advisory
• Insurance brokerage
• Debt consolidation
• Credit comparison

Headquarters

HQ city

Oeiras

HQ country

Portugal

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Partner Banks and Insurers: Poupança no Minuto generates revenue through commissions paid by its network of 13+ partner banks and insurance companies for successful credit and insurance placements. This commission-based model allows the company to offer all services completely free of charge to end consumers, as the financial institutions (banks and insurers) compensate the intermediary for customer acquisition and loan processing services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Poupança no Minuto is a tied credit intermediary and insurance broker that aggregates and compares credit and insurance offerings from 13+ partner banks and insurers for individual consumers in Portugal. The company provides free advisory services across mortgage credit (purchase, young buyer 100%, renovation, construction, transfer), personal credit (new, consolidated, auto), and insurance products (life, mortgage life, multi-risk, health, personal accident), handling document analysis, proposal comparison, negotiation, and contract management on behalf of the customer.

Product overview

Poupança no Minuto is a tied credit intermediary and insurance broker (registered with Banco de Portugal nº 0006860 and ASF nº 423578365) that operates as a comparison and matchmaking platform for credit and insurance products. The core offering consists of mortgage credit products (standard acquisition, young buyer 100% financing, renovation, and construction loans), personal credit products (new credit, auto loans, and debt consolidation), and a broad insurance portfolio (life, mortgage life, multi-risk, health, and personal accident). The service is free for clients, as commissions are paid by partner banks and insurers. The company also maintains an educational content platform called PoupAcademy and provides online simulation tools. The platform aggregates offerings from 13 partner banks and multiple insurers to present tailored proposals without charging the consumer.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Habitação (Home Mortgage Credit) Home mortgage credit for purchasing property, offered through partnership with multiple banks. The intermediary analyses and presents the best mortgage proposals adapted to the client's needs, handling negotiation and paperwork.
• Crédito Habitação Jovem 100% (Young Buyer Mortgage 100%) Full-financing mortgage product targeted at young buyers, offering up to 100% financing for home purchase with advantageous conditions, accessed through multi-bank comparison via Poupança no Minuto.
• Crédito Obras (Home Improvement Loan) Home improvement loan for existing property owners to finance renovation, remodelling, or improvement works on their property, sourced from partner banks through the intermediary.
• Crédito Construção (Construction Loan) Construction loan for building a house from scratch, with funds released in tranches as the construction progresses through planned phases, accessed through partner banks via the intermediary.
• Transferência de Crédito Habitação (Mortgage Transfer/Refinancing) Mortgage transfer/refinancing service allowing clients to switch their home loan to another bank with better conditions, potentially reducing spread or extending the loan term, facilitated through the intermediary's partner bank network.
• Crédito Pessoal (Personal Credit) Personal loan for financing various purposes such as home improvements, education, health, or travel, with amounts, terms, and modalities adjusted to the client's situation, sourced from multiple partner banks.
• Crédito Consolidado (Debt Consolidation) Debt consolidation loan that combines multiple existing credits (mortgage, consumer credit, credit cards) into a single monthly instalment, potentially reducing the monthly payment burden, sourced from partner banks.
• Crédito Auto (Auto Credit) Auto financing product for purchasing new or used vehicles, offered as a personal loan with flexible terms up to 7 years, sourced from partner banks through the intermediary.
• Seguro de Vida (Life Insurance) Life insurance providing financial compensation to beneficiaries in the event of the policyholder's death or disability, protecting the family from unexpected financial burdens, sourced through partner insurance companies.
• Seguro de Vida Crédito (Mortgage Life Insurance) Mortgage life insurance associated with home loans, guaranteeing debt repayment to the bank in case of death or disability of the loan holders, sourced through partner insurers via Financefy - Mediação de Seguros Lda.
• Seguro Multirriscos (Multi-Risk Home Insurance) Multi-risk home insurance covering the property structure and contents against risks such as fire, flooding, theft, and third-party liability, often required by banks for mortgage agreements, sourced through partner insurers.
• Seguro Saúde (Health Insurance) Health insurance providing access to private healthcare services including consultations, diagnostic exams, surgeries, hospitalisations, and other medical treatments, sourced through partner insurers.
• Seguro Acidentes Pessoais (Personal Accident Insurance) Personal accident insurance offering financial protection against accidents resulting in disability, temporary incapacity, or death, covering medical expenses and providing compensation, sourced through partner insurers.

Quantifiable outcome

• Service processing time reduced to 48 hours for urgent cases
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

14 partnerships are on record, tiered core, flagship and minor.

• Abanca Corporación Bancaria, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorSpanish banking group with Portuguese branch, offering mortgage and personal credit products through Poupança no Minuto's intermediary services. Part of the network of lenders available to customers seeking credit solutions.
• Banco CTT, S.A.coreChannel Partner/ Reseller/ DistributorPortuguese postal bank offering credit products distributed through Poupança no Minuto's comparison and advisory services.
• BNI - Banco de Negócios Internacional (Europa), S.A.coreChannel Partner/ Reseller/ DistributorInternational business bank providing financing solutions to customers of Poupança no Minuto.
• Bankinter, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorSpanish bank operating in Portugal through branch structure, providing mortgage and personal credit products via intermediary network.
• BNP Paribas Personal Finance, S.A. - Sucursal em PortugalcoreChannel Partner/ Reseller/ DistributorFrench multinational banking group's personal finance division operating in Portugal, offering credit products through intermediary partners.
• Banco BPI, S.A.coreChannel Partner/ Reseller/ DistributorMajor Portuguese commercial bank (subsidiary of Caixabank) providing mortgage and credit solutions distributed through Poupança no Minuto.
• Cetelem (BNP Paribas Personal Finance)coreChannel Partner/ Reseller/ DistributorConsumer credit specialist under BNP Paribas umbrella, offering personal loans and consolidated credit solutions through intermediary partnerships.
• Caixa Geral de Depósitos, S.A.flagshipChannel Partner/ Reseller/ DistributorPortugal's largest state-owned banking group, providing comprehensive credit and insurance products. Strategic partner for reaching customers across all segments.
• CofidiscoreChannel Partner/ Reseller/ DistributorEuropean consumer finance specialist operating in Portugal, offering personal credit and consolidation solutions via intermediary distribution.
• Novo Banco, S.A.coreChannel Partner/ Reseller/ DistributorPortuguese banking group created from BES resolution, offering credit products through intermediary partnerships.
• NOVOBANCO Açores, S.A.minorChannel Partner/ Reseller/ DistributorRegional bank serving the Azores archipelago, offering credit solutions through Poupança no Minuto's distribution network.
• Banco Santander Totta, S.A.flagshipChannel Partner/ Reseller/ DistributorPortuguese subsidiary of global banking giant Santander, providing comprehensive credit products through intermediary network.
• Unión de Créditos Inmobiliarios, S.A. (UCI)coreChannel Partner/ Reseller/ DistributorSpecialized real estate credit institution (Creditea UCI group), offering mortgage solutions through intermediary partnerships.
• Financefy - Mediação de Seguros LdaflagshipChannel Partner/ Reseller/ DistributorSister company under same ownership (Financefy, S.A.) handling insurance mediation, registered with ASF under nº 423578365. Provides life, health, multi-risk, and personal accident insurance products through Poupança no Minuto platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Younited Credit: European online consumer lending platform offering personal loans and credit consolidation across multiple European markets including France, Italy, Spain, and Portugal. Comparable to Poupança no Minuto in targeting consumer credit intermediation with a digital-first model, though Younited originates loans rather than brokering across multiple banks.
• iAhorro: Spanish mortgage and loan broker that helps consumers compare and apply for mortgages, personal loans, and insurance products. Directly comparable to Poupança no Minuto as a commission-based financial intermediation platform focused on housing credit and consumer lending.
• Rastreator: Leading Spanish financial product comparison platform covering credit, insurance, and banking products. Comparable to Poupança no Minuto as a free, commission-based comparison intermediary, though operating primarily in the larger Spanish market rather than Portugal.
• Idealista: Iberian real estate portal that has expanded into mortgage intermediation services (Idealista Hipotecas) in both Portugal and Spain. Comparable to Poupança no Minuto in offering mortgage comparison and intermediation alongside real estate content, leveraging high consumer traffic.
• DECO Proteste: Portuguese consumer protection organization that offers financial product comparison and advisory services including mortgages and insurance. Comparable to Poupança no Minuto in targeting Portuguese consumers seeking guidance on credit and insurance products, though DECO operates as a non-profit membership model.
• ComparaJá.pt: Portuguese price comparison platform that helps consumers compare credit, insurance, telecommunications, and energy products. Directly comparable to Poupança no Minuto as a free, commission-based credit and insurance comparison intermediary serving the same Portuguese consumer market.
• Creditea: Online consumer credit platform operating in Iberia (part of UCI/BNP Paribas group) offering personal loans and lines of credit. Comparable to Poupança no Minuto in serving Portuguese consumer credit demand, though Creditea lends directly rather than acting as a multi-bank broker.

Broad incumbents

• Bankinter: Spanish bank with Portuguese operations offering mortgages, personal loans, and consumer credit. Comparable to Poupança no Minuto as a partner bank within the platform's distribution network, while also representing a broader incumbent player that could pursue direct intermediation.
• Caixa Geral de Depósitos: Portugal's largest state-owned bank offering comprehensive mortgage, personal credit, and insurance products. Comparable as one of Poupança no Minuto's flagship banking partners, and operates overlapping capabilities in Portuguese mortgage origination that could compete with intermediation services.
• Cofidis: European consumer credit specialist (subsidiary of Crédit Mutuel) operating in Portugal through Cofidis Portugal. Comparable to Poupança no Minuto in offering personal credit, debt consolidation, and auto financing to Portuguese consumers, though Cofidis lends directly as an established incumbent and is also one of Poupança's partner banks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@poupancanominuto
• Facebookfacebook.com/poupancanominuto
• LinkedInlinkedin.com/company/poupancanominuto
• Instagraminstagram.com/poupancanominuto
• TikToktiktok.com/@mariapoupadinha

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Poupança no Minuto