banco cetelem pt

Name

banco cetelem pt

Legal name

BNP Paribas Personal Finance, S.A., Sucursal em Portugal

Website

https://cetelem.pt

Company type

Private

Operating status

Operating

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Consumer Lending (522291), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

General Purpose Credit Cards (FSAKABAA)

akta.pro secondary industry

Credit Card Debt Consolidation Loans (FSAKAIAC)

Keywords

• Consumer credit
• Personal loans
• Auto financing
• Credit cards
• Debt consolidation

Headquarters

HQ city

Lisboa

HQ country

Portugal

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Consumer Credit: Primary revenue from interest charged on personal loans, auto loans, home improvement loans, travel credit, and other consumer credit products. Interest rates vary by product (TAN 5.99% to 13.43%).
2. Insurance Products Commission: Revenue from insurance products including credit protection insurance, health insurance, and personal/belongings insurance, working with Cardif insurance company.
3. Credit Card Services: Revenue from Black Plus credit card including interchange fees and interest on revolving balances.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Banco Cetelem PT provides consumer credit products to individual customers in Portugal, including personal loans, auto financing (new and used vehicles), travel credit, debt consolidation, and specialized credit for education, health, energy-efficient home upgrades, soft mobility, and gaming. The company also distributes the Black Plus credit card with 3% cashback rewards and offers insurance products (credit protection, health, and personal property) in partnership with Cardif, all delivered through digital, phone, physical branch, and partner channels.

Product overview

Banco Cetelem PT operates as a consumer lending and banking subsidiary of BNP Paribas Personal Finance in Portugal. The company offers a comprehensive suite of credit products including personal loans, auto financing, home loans (in partnership with Banco CTT), travel credit, debt consolidation, and specialized credit for education, health, soft mobility, gaming, and energy-efficient homes. The product portfolio also includes the Black Plus credit card with cashback rewards, multiple insurance products (credit protection, health, and personal property), and a full-featured mobile app and online homebanking platform. The company serves retail customers through both digital channels and physical branches in Lisbon and Porto, with PSD2-compliant Open Banking integration enabling faster document-free credit applications via the Digital Mobile Key (Chave Móvel Digital).

Differentiator

Problem solved

Functional benefit

Brands

• Black Plus: Credit card product offering 3% cashback on supermarkets, restaurants, gasoline stations, electric charging points, TVDE services, and streaming services. Maximum 10€/month, up to 120€/year.

Products and services

• Crédito Pessoal Personal loan product for various purposes including home improvements, furniture, electronics, education, health, and general needs. Offers flexible amounts and repayment terms from 24 to 120 months with TAN from 8.50% to 13.43% and TAEG from 9.8% to 15.6%, targeted at individual consumers in Portugal.
• Crédito Automóvel e Outros Veículos Auto financing product for new and used vehicles, including cars, motorcycles, motorhomes, and other vehicles, distributed through Cetelem's automobile dealer network. New auto TAN from 7.35% to 9.50%, TAEG from 9.2% to 10.9%; used auto TAN from 9.50% to 12.30%, TAEG from 11.5% to 14.2%.
• Crédito Viagens Travel financing product for booking holidays, flights, hotels, and travel packages for individual consumers. TAN from 10.50% to 12.10%, TAEG from 13.5% to 15.3%.
• Cartão de Crédito Black Plus Credit card with cashback program offering 3% cashback on supermarkets, restaurants, fuel stations, EV charging points, TVDE services, and streaming services, with a maximum of €10/month and up to €120/year. TAEG 18.5% on example €1,500 credit limit repaid over 12 months.
• Crédito Consolidado Debt consolidation loan that combines multiple existing credits into a single monthly payment, helping consumers simplify obligations and potentially reduce overall interest burden. TAN from 10.50% to 13.15%, TAEG from 13.5% to 15.3%.
• Crédito Habitação (with Banco CTT) Home mortgage loan product offered in partnership with Banco CTT for property purchase and home-related financing under the joint branding 'Crédito Habitação Banco CTT'.
• Crédito Lar e Decoração (Obras) Home improvement and decoration loan product financing renovation works, furniture, and home decoration projects for individual consumers.
• Crédito Casa Eficiente+ Specialized energy-efficiency loan for sustainable home upgrades such as solar panels, insulation, and efficient windows/doors, with favorable rates. TAN from 5.99% to 7.10%, TAEG from 7.4% to 8.3%.
• Crédito Formação Education and professional training financing product covering courses, certifications, and training programs for individual learners. TAN from 5.99% to 7.10%, TAEG from 7.4% to 8.3%.
• Crédito Saúde Health-related credit financing medical procedures, treatments, dental care, and wellness services for individual consumers. TAN from 5.99% to 7.10%, TAEG from 7.4% to 8.3%.
• Crédito Pessoal Mobilidade Suave Soft mobility financing for bicycles, electric scooters, and other non-motorized or low-emission transportation. TAN from 6.00% to 9.70%, TAEG from 8.3% to 12.0%.
• Crédito Pessoal Gaming Gaming-focused personal loan for purchasing gaming equipment, consoles, and accessories. TAN from 10.90% to 12.50%, TAEG from 14.0% to 15.8%.
• Crédito Auto Novo Elétrico Specialized electric vehicle financing with favorable rates to support the purchase of new electric cars. TAN 7.25%, TAEG from 8.2% to 9.7%.
• App Cetelem Mobile banking application for iOS and Android enabling balance checks, transaction history, transfers, account management, and digital credit operations. Available on Apple App Store (id1475948032) and Google Play (pt.cetelem.homebanking).
• Homebanking Cetelem Online banking web platform accessible at hb.cetelem.pt providing customers with self-service account management, transactions, and credit operations.
• Seguros Crédito Credit protection insurance products including personal credit insurance and credit card insurance, distributed in partnership with Cardif (BNP Paribas Group insurer) to protect outstanding credit obligations.
• Seguros Saúde Health insurance products for individual and family protection, distributed in partnership with Cardif.
• Seguros Pessoas e Bens Personal and property insurance products including family coverage and belongings protection, distributed in partnership with Cardif.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered parent company, key partner, core partner and channel partners.

• BNP Paribas Personal Financeparent companyOthersParent company of Cetelem brand in Portugal. BNP Paribas Personal Finance, S.A., Sucursal em Portugal is the legal entity operating under the Cetelem brand. The company is part of the broader BNP Paribas Group.
• Banco CTTkey partnerStrategic or Co-development PartnerStrategic partnership for Crédito Habitação (mortgage credit) products. The partnership combines Cetelem's credit expertise with Banco CTT's distribution network to offer home loans under the joint branding 'Crédito Habitação Banco CTT'.
• Cardifcore partnerTechnology or IntegrationInsurance partner within the BNP Paribas Group for insurance products associated with credit offerings. Cardif provides credit protection insurance, health insurance, and personal insurance products offered through Cetelem.
• Retail Partners and Brokerschannel partnersChannel Partner/ Reseller/ DistributorNetwork of retail partners and brokers that distribute Cetelem credit products to consumers. Includes both general retail partners and specialized automobile dealer partners.
• Automobile Dealerschannel partnersChannel Partner/ Reseller/ DistributorAutomotive dealer network offering in-store financing through Cetelem for vehicle purchases including new cars, used cars, motorcycles, and motorhomes.

Scale indicators1 record

Direct peers

• Santander Consumer Portugal: Portuguese subsidiary of Santander Consumer Finance, offering personal loans, auto financing, and credit cards to Portuguese consumers. Directly competes with Cetelem in the same consumer credit segments with overlapping products and distribution.
• Cofidis Portugal: Portuguese consumer credit specialist offering personal loans, auto credit, and revolving credit. Direct competitor to Cetelem in the Portuguese market with similar product structure and target segments.
• Credibom: Portuguese consumer credit provider specializing in personal loans, auto financing, and home improvement credit. Competes directly with Cetelem across multiple retail credit verticals in Portugal.
• UNICRE: Portuguese issuer of credit cards (including the classic Cartão UNICRE) and consumer credit products. Directly comparable in the Portuguese credit card and revolving credit market served by Cetelem's Black Plus card.
• Banco CTT: Portuguese bank with which Cetelem has a mortgage partnership (Crédito Habitação Banco CTT), but also a peer offering consumer credit and credit cards through its own channels and CTT post office distribution network.

Broad incumbents

• BNP Paribas Personal Finance: The parent entity of Cetelem Portugal and the pan-European consumer credit arm of BNP Paribas Group. Comparable because it operates the same consumer credit business model across multiple European markets, sharing products, tech stack, and capital base.
• Caixa Geral de Depósitos: Portugal's largest state-owned bank offering personal loans, auto credit, mortgages, and credit cards. Competes with Cetelem in consumer credit while also serving as a deposit-taking institution with a much broader product portfolio.
• Millennium BCP: Major Portuguese commercial bank offering personal loans, mortgages, auto financing, and credit cards. Comparable to Cetelem across consumer credit products as part of a full-service retail banking offering.
• Banco BPI: Large Portuguese bank owned by CaixaBank, offering personal loans, mortgages, and credit cards. Competitor to Cetelem in consumer lending as part of a full retail banking suite.
• Novo Banco: Portuguese bank offering personal loans, auto credit, mortgages, and credit cards. Competes with Cetelem in consumer credit segments as part of a broader commercial and retail banking franchise.

Market position

Strengths5 records

Weaknesses5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cetelem-portugal

Compliance2 records

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 banco cetelem pt