We are a credit intermediary and insurance broker created to save what matters most: Your time, your money and your peace of mind. With agile and personalised solutions, our mission is to offer clear, fast and tailored financial solutions.

Clientes a viver momentos tranquilos em família, simbolizando o impacto da poupança.

Ilustração de gestão de tempo e finanças com apoio claro.

Simplify your finances.

We simplify the complex: from acronyms to rate analyses, so you can focus on what really matters. We understand your moment in life and value your time, because we know every minute counts.

Save with confidence.

Registered with the Bank of Portugal, we ensure operations comply with regulatory standards. We rigorously comply with all legal standards and protect your personal and financial data, so you can make decisions with total confidence.

Selo do Banco de Portugal a validar o Poupança no Minuto como entidade regulada.

Reviews

What our clients say

5.0

rui ribeiro

29 January 2026

For personal and financial reasons, I turned to Poupança ao Minuto. My experience was one of complete help at every stage with immense dedication. The humanism shown to me was as if I were family. Whenever something was needed, I was guided precisely in obtaining the documentation. The professionalism of Dr. Joana Cândido is worthy of praise. I recommend Poupança ao Minuto to anyone looking for quick results. With all the affection in my heart, my sincere thanks to Dr. Joana Cândido for every step she took in my process. Rui Ribeiro

R&R Party

30 June 2026

We'd like to express our deepest gratitude to the outstanding professional Cátia Baleizão. We highly recommend her! The process was always handled with the utmost professionalism, seeking the best possible conditions for the client! We even had the pleasure of meeting Cátia on the day of the signing. If we need this type of service again, we will certainly speak with Cátia again. Thank you very much and best wishes both personally and professionally ✨

Tony Santos

29 June 2026

I am writing to express my sincere praise for Ms. Joana Cândido's prompt response to my request; everything was ready in just 48 hours. Ms. Joana has no idea how much she saved me during this difficult time in my life. With one of my daughters hospitalized and me lacking resources, Ms. Joana was a small light in my darkness. I can never thank her enough for her dedication to my case. Thank you very much, Ms. Joana Cândido.

henrique gonçalves

25 June 2026

I want to express my deepest gratitude to the Poupança no Minuto team for the professionalism and availability shown throughout the entire process. Director João Lemos demonstrated extraordinary commitment, always attentive to defending my interests with persistence and always presenting the best possible solution. His financial and banking experience, seriousness, and leadership skills made all the difference. I recommend Poupança no Minuto without any reservation. An excellent service, provided by people who truly understand what it's like to be on the ground.

Elected product of the year 2025!

Fomos eleitos Produto do Ano 2025 - um reconhecimento que nos motiva a fazer a diferença e confirma que estamos no caminho certo: Ao seu lado.

Poupacademy

Savings

Defensive investment in 2026: deposits, certificates, and alternatives.

In a scenario of unstable interest rates, Portuguese families are looking for safe havens to protect their sav...

24 jul 2026 • 2 min

Mortgage Credit

Will it be harder to buy a house? Bank of Portugal reduces debt-to-income ratio to 45%.

The maximum effort rate, technically known as DSTI (Debt Service-to-Income), has been reduced from 50% to 45%....

23 jul 2026 • 5 min

Savings

Tolls in 2026: increases, exemptions, and tricks to save on travel with Poupança no Minuto.

The year 2026 brought significant changes for those driving on Portuguese highways. From general price increas...

23 jul 2026 • 3 min

Real estate

What are the deadlines for reporting a lease?

Terminating a lease contract before the end of the term is possible by complying with certain notice periods t...

23 jul 2026 • 4 min

Savings

Guide to help your child build savings.

Financial literacy is not only taught in schools. Helping children manage their own money and understand the v...

22 jul 2026 • 2 min

Savings

Security fund: build a financial cushion in 2026.

The sudden breakdown of the car, a dental health issue, or an unexpected job loss have something in common: th...

21 jul 2026 • 2 min

Insurance

Life insurance for mortgage credit: how to lower the installment amount.

Many people are unaware that a significant portion of their mortgage payment goes towards life insurance, not...

20 jul 2026 • 2 min

Savings

Complete guide to getting a personal loan in 2026.

Consumer financing is a useful solution to fulfill projects or solve emergencies. However, lack of planning an...

17 jul 2026 • 4 min

Mortgage Credit

Are you going to do construction work? How does the urban planning process work at city hall?

Starting to tear down walls without consulting the legislation is a mistake that can result in embargoes and h...

16 jul 2026 • 2 min

Savings

Signs of over-indebtedness: how to tell if you already have too much credit

Credit is a useful tool to achieve goals, but losing control quickly turns financial assistance into a nightma...

15 jul 2026 • 2 min

Savings

Redeeming PPR in 2026: Guide to rules, exemptions, and taxes.

Redeeming the Retirement Savings Plan (PPR) at the wrong time can cost you a fortune in fines and taxes. The 2...

14 jul 2026 • 3 min

Mortgage Credit

Youth home loan support for Poupança no Minuto in 2026.

Buying a house continues to be more viable for the younger generation thanks to the current stimulus package....

13 jul 2026 • 3 min

Real estate

CPCV: mandatory clauses and how to protect the buyer

The Promise of Purchase and Sale Agreement formalizes the acquisition of a property. Get to know the essential...

10 jul 2026 • 2 min

Real estate

Renting a house in Portugal: Essential guide for tenants.

Are you going to rent a house? Find out which documents are required, how the contract works and discover the...

09 jul 2026 • 3 min

Real estate

Buying a house as a couple: sharing expenses and legal rules.

Are you buying a house as a couple? Learn how to register the down payment in the deed, split the loan install...

07 jul 2026 • 3 min

Contact

Talk to an agent now

Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.

+351 211 453 334

Call to national landline | Monday to Friday, 9am to 7pm.