Credit Intermediary · Guru Poupança

Prior information

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Guru Poupança is a brand owned by Gurupoupança, Unipessoal Lda. Gurupoupança, Unipessoal Lda, with registered office at Rua Bernardo Francisco da Costa, Loja 38-B, 2800-029 Almada, Portugal, registered as a credit intermediary with Banco de Portugal under no. 0007551, telephone 917 746 945 (call to a national mobile network), email renato.teixeira@gurupoupanca.pt, a registration that can be confirmed at https://www.bportugal.pt/intermediariocreditofar/gurupoupanca-unipessoal-lda. Tied credit intermediary, not under an exclusivity arrangement, with contracts with the following lenders: Caixa Geral de Depósitos, S.A.; Banco Santander Totta, S.A.; Bankinter, S.A. - Sucursal em Portugal; Novo Banco, S.A.; SICAM - Caixa Central e Caixas de Crédito Agrícola Mútuo; Banco BPI S.A.; Union de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Sucursal em Portugal; Abanca Portugal, S.A.; Banco CTT, S.A. Authorised to provide, for mortgage credit agreements, services of presenting or offering credit agreements to consumers and of assisting consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements it has not itself presented or offered. Activity subject to the supervision of Banco de Portugal. Professional liability insurance with Companhia de Seguros Allianz Portugal, S.A., policy no. 207030366, valid from 2026-10-10 to 2027-10-10. Under the applicable legislation, the services provided are free of charge for the consumer.

We take the law seriously and explain it to you in plain language. Here is everything you need to know about who we are and what you can expect from us.

What is a credit intermediary?

A credit intermediary analyses credit offers from several institutions and presents you with the options, saving you the trouble of going from bank to bank. It is not a bank and does not lend money. We are a tied credit intermediary: we have contracts with a set of banks (the lenders) and it is they who pay us.

How much does it cost consumers?

Nothing. Under the applicable legislation, the services we provide are free of charge for the consumer. We are paid by the lenders we have contracts with, never by you.

We are authorised and supervised

We are registered with Banco de Portugal under no. 0007551 and our activity is subject to its supervision. You can confirm our registration directly on the Banco de Portugal website.

Authorised services

We are authorised to provide, in relation to mortgage credit agreements and only to consumers (individuals), the following intermediation services:

Presenting or offering credit agreements to consumers.
Assisting consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements it has not itself presented or offered.

Amounts we cannot receive

Gurupoupança, Unipessoal Lda may not receive or hand over any amounts related to the conclusion, performance or early repayment of credit agreements.

Where we are

Registered office and head office: Rua Bernardo Francisco da Costa, Loja 38-B, 2800-029 Almada, Portugal.

Branches open to the public:

Estrada da Penha, 150-C, 8005-138 Faro, Portugal
Rua General Humberto Delgado, loja 5, 8200-447 Guia, Portugal

Management: Renato de Jesus Teixeira.

Complaints

If something goes wrong, you can complain directly to us (renato.teixeira@gurupoupanca.pt), through the electronic Complaints Book, or to Banco de Portugal through the Bank Customer Portal.

Alternative dispute resolution

In the event of a dispute, you can turn to the following alternative consumer dispute resolution entities, which we have joined (Law no. 144/2015):