Best financial products in Portugal: comparisons
Comparisons of financial products available in Portugal, with explicit criteria and figures taken from each product’s official documentation. How we are funded is set out on our Disclosure page.
Best of
Best fixed-term deposits in 2026
The best offers pay more than double the market average, but almost all require being a new customer or bringing money in from outside, and none of them lasts: on renewal CGD drops to 0.25% and Santander to 0.01%. We compared CGD, Santander, Banco CTT and ActivoBank in each bank’s official rate leaflet.
See comparison →Best stock brokers in Portugal
Almost every broker advertises "zero commission", but the real cost sits in currency conversion, volume thresholds and which investor-protection scheme applies. We compared five brokers using each broker’s own published figures, not those of comparison sites.
See comparison →Best PPR pension plans in 2026
A PPR (Plano Poupança-Reforma) is Portugal’s tax-advantaged retirement savings product, but plans differ widely in fees, risk and guarantees. We compared seven PPRs from five managers, from the most cautious to the most aggressive, with every figure taken from each product’s official documentation.
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Head-to-head
XTB vs Trading 212
Portugal’s two most-searched brokers share the same model (commission-free stock and ETF trading), but differ on what matters over time: how each is registered in Portugal, which investor-protection scheme applies, and what happens as your invested volume grows. Neither is "better": they suit different profiles.
See comparison →XTB vs DEGIRO
The two brokers use opposite cost models: XTB charges no commission but 0.5% on currency conversion; DEGIRO charges about €2 per order but converts at 0.25%. So neither is simply "cheaper": it depends on your order size and the currency you buy in. We compared both using each broker’s own published figures.
See comparison →XTB vs Trade Republic
Both advertise “zero commission”, so the commission settles nothing. What separates them is the fixed cost per order, and the fact that only one of them is a bank.
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Product profiles
Trade Republic in Portugal
Trade Republic is one of the most widely used investment platforms in Portugal, but the information its users most often lack is rarely on the company’s own site: what happens at tax time. This page covers what the platform is, what it costs and what protection it offers, and explains the Portuguese tax obligations.
See comparison →DEGIRO in Portugal
DEGIRO advertises €1 commissions, but a share actually costs €2 per trade: a handling fee is always added on top. This page explains the real cost, which protection applies to your cash and your assets, and the Portuguese tax obligations.
See comparison →Interactive Brokers in Portugal
It has the cheapest currency conversion here, 0.002%, but charges per-order minimums: €6 in Lisbon and USD 2 per conversion. It is the dearest broker on small purchases and the cheapest on large ones.
See comparison →XTB in Portugal
0% commission on shares and ETFs up to €100,000 a month. The cost that stays is the 0.5% currency conversion, charged in both directions.
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