We help people save
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Clear, fast, and personalised credit and insurance solutions.
What can we do for you?
Acquisition
Transfer
New Credit
Consolidated
Insurance
What our clients say
rui ribeiro
29 January 2026
R&R Party
30 June 2026
Tony Santos
29 June 2026
henrique gonçalves
25 June 2026
How we save time for those who want to save money
Send Us Your Documentation
After sharing your documents, we will analyse and present you with the best credit and insurance proposals, completely adapted to your needs.
Relax, We Handle Everything
Once you choose the solution you like best, we take care of the entire process for you. From negotiations with banks and insurers to the conclusion of the contract.
Sign and Start Saving
Simple and fast, your credit or insurance will be ready in no time. You will only need to sign the final contract and start saving immediately!
All this, at no cost
This entire service is free for you, as our commission is paid by partner banks and insurers. Total transparency, no hidden costs.
Save more by saving here
Save time
We find, quickly and efficiently, the best credit and insurance proposals, adapted to your needs. With us, you save time and secure the ideal conditions.
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Agent always available
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Clear and concise explanations
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Experts who simplify your journey.
Save frustrations
Our transparency ensures you always find the best conditions, without surprises. Know everything you need in a clear and honest way.
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Transparent credit conditions
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Impartial and honest opinions
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Total honesty in each proposal
Save headaches
We handle the entire research and negotiation process. While we deal with the details, you can dedicate your time to what really matters. Leave the stress with us!
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Close and personalised relationship
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Clear and empathetic communication
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Exclusive follow-up
Save obstacles
We offer credit and insurance solutions adapted to your life. Whatever your profile or need, we always have a proposal that fits perfectly.
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Plans adjusted to your reality
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Flexible and personalised proposals
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Solutions that accompany each stage of life
Mortgage Credit
Is your spread high? Find out how much more you might be paying
The spread of your housing loan may be above current available conditions. Learn how to assess your spread and...
Personal Credit
Can consolidated credit be denied? Find out why
Consolidation of credits is not guaranteed and depends on financial institutions' analysis. Learn the main fac...
Mortgage Credit
Effort rate of 45%: how much can you ask to buy a house?
The effort rate is one of the main indicators used by banks when analyzing a housing loan application. Since A...
Personal Credit
Can I have two personal loans at the same time?
Having more than one personal loan is not, in itself, forbidden. However, each new application is assessed con...
Mortgage Credit
Bank home evaluation: how it works and why it can be decisive for credit?
The property evaluation is an important step in housing credit. Learn what it is for and what can happen if th...
Personal Credit
Consolidated credit: what happens if one credit has a much lower rate?
Consolidate credits can simplify payment of installments and, in some cases, reduce the monthly amount. But wh...
Mortgage Credit
New housing credit rules: what changes in financing approval?
Know what has changed and what to consider before proceeding with a housing loan.
Savings
Money at the Table with Joana Barrios x Poupança no Minuto: How to build a prosperous financial future.
When we talk about financial freedom, we are not just talking about managing money better today. We are also t...
Personal Credit
Can I consolidate credits without changing bank?
Consolidating credits can help simplify financial management and reduce monthly payments. But will you need to...
Personal Credit
Can I consolidate debts while being at Banco de Portugal?
Registered with the Banco de Portugal is normal for those with credits. But in case of delays or defaults, con...
Savings
Money on the Table with Joana Barrios × Poupança no Minuto: the wage gap is also felt in the financial life.
After the appetizer comes the main course. In the second episode of Money on the Table, Joana Barrios prepares...
Mortgage Credit
What happens to housing loan if you lose your job?
We explain what to do in case of income loss, what coverages you can find in the home loan insurance, and what...
Savings
First episode of Accounts, Weight and Measure: new series with Joana Barrios and Poupança no Minuto about financial autonomy
Talking about money is also talking about choices, autonomy, and freedom. But the relationship with money is n...
Mortgage Credit
Housing loan: pay off or invest? What is more profitable?
Do you have money available and still pay the housing loan? Find out what to consider before deciding between...
Personal Credit
Can I combine my credit cards into one credit?
Having multiple credit cards can make budget management more complex. Learn how debt consolidation works and t...
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.
Call to national landline | Monday to Friday, 9am to 7pm.