SEPA Instant banks in Portugal
Institutions in Portugal registered for SEPA Instant according to the official EPC register, with BIC and joining date.
Portugal is in the euro area. Under Regulation (EU) 2024/886, its banks must be able to receive instant euro transfers since 9 January 2025 and send them since 9 October 2025. Payment and e-money institutions have until 9 April 2027.
| Institution | BIC | City | SEPA Instant |
|---|---|---|---|
| ABANCA Portugal, S.A. | CAGLPTPLXXX | Lisboa | 2 February 2026 |
| Agência de Gestão da Tesouraria e da Divida Publica – IGCP, EPE | IGCPPTPLXXX | LISBON | 6 January 2025 |
| BANCO ACTIVOBANK S.A. | ACTVPTPLXXX | PORTO SALVO | 4 June 2018 |
| BANCO ATLANTICO EUROPA, SA | BAPAPTPLXXX | LISBON | 4 March 2019 |
| BANCO BAI EUROPA, SA | BAIPPTPLXXX | LISBON | 7 October 2024 |
| BANCO BILBAO VIZCAYA ARGENTARIA (PORTUGAL) S.A. | BBVAPTPLXXX | LISBOA | 4 June 2018 |
| BANCO BPI, S.A. | BBPIPTPLXXX | Porto | 4 June 2018 |
| BANCO COMERCIAL PORTUGUES S.A. | BCOMPTPLXXX | Porto Salvo | 4 June 2018 |
| BANCO CTT S.A. | CTTVPTPLXXX | LISBON | 6 January 2025 |
| BANCO DE INVESTIMENTO GLOBAL S.A. | BDIGPTPLXXX | LISBON | 4 November 2024 |
| BANCO DE PORTUGAL | BGALPTTGXXX | LISBOA | 2 December 2024 |
| BANCO FINANTIA S.A. | BFIAPTPLXXX | LISBON | 6 January 2025 |
| BANCO INVEST S.A. | IVVSPTPLXXX | LISBON | 4 November 2024 |
| BANCO L.J. CARREGOSA,SA | BLJCPTPTXXX | PORTO | 6 January 2025 |
| BANCO PORTUGUES DE GESTAO, S.A. | BPGPPTPLXXX | LISBON | 7 October 2024 |
| BANCO SANTANDER TOTTA SA | TOTAPTPLXXX | LISBON | 5 June 2018 |
| BEST-BANCO ELECTRONICO DE SERVICO TOTAL S.A. | BESZPTPLXXX | Porto Salvo | 4 June 2018 |
| Bison Bank S.A. | BNFIPTPLXXX | LISBON | 4 November 2024 |
| BNI - BANCO DE NEGOCIOS INTERNACIONAL EUROPA SA | BNICPTPLXXX | Lisbon | 8 July 2019 |
| CAIXA CENTRAL DE CREDITO AGRICOLA MUTUO | CCCMPTPLXXX | LISBON | 4 June 2018 |
| CAIXA CREDITO AGRICOLA MUTUO DE LEIRIA, CRL | CDCTPTP2XXX | LEIRIA | 4 June 2018 |
| CAIXA DE CREDITO AGRICOLA MUTUO DA CHAMUSCA, C.R.L | CCCHPTP1XXX | CHAMUSCA | 7 October 2024 |
| Caixa de Credito Agricola Mutuo de Bombarral CRL | CERTPTP1XXX | Bombarral | 6 January 2025 |
| CAIXA DE CREDITO AGRICOLA MUTUO DE MAFRA CRL | CDOTPTPPXXX | MAFRA | 1 July 2024 |
| CAIXA DE CREDITO AGRICOLA MUTUO DE TORRES VEDRAS | CTIUPTPPXXX | TORRES VEDRAS | 3 February 2025 |
| CAIXA ECONOMICA DA MISERICORDIA DE ANGRA DO HEROISMO | CEMAPTP2XXX | ANGRA DO HEROISMO | 6 July 2020 |
| CAIXA ECONOMICA MONTEPIO GERAL | MPIOPTPLXXX | LISBON | 6 August 2018 |
| CAIXA GERAL DE DEPOSITOS SA | CGDIPTPLXXX | LISBON | 5 November 2018 |
| Haitong Bank S.A. | ESSIPTPLXXX | LISBON | 6 January 2025 |
| NOVO BANCO DOS ACORES S.A. | BESAPTPAXXX | PONTA DELGADA | 4 June 2018 |
| NOVO BANCO S.A. | BESCPTPLXXX | LISBON | 4 June 2018 |
| UNICRE - INSTITUICAO FINANCEIRA DE CREDITO S.A. | UIFCPTPTXXX | LISBON | 6 January 2025 |
| UNIVERSO, IME, S.A. | SONVPTP1XXX | Maia | 4 September 2023 |