Latest news and stories about savings certificates in Portugal for expats and residents.
Signed by the Minister of State and Finance, Joaquim Miranda Sarmento, the decree has been in effect since it was signed on Tuesday, April 21st.
In this episode of 'Let's do the math', Pedro Andersson explains a very common doubt: should you redeem old Savings Certificates to take advantage of the rate hike? The answer is not obvious — and it could make a difference to your wallet.
The decrease in the interest rate does not stop the subscription of the most popular public debt security. The Portuguese have more than 40.8 billion euros in Savings Certificates.
Espaço Cidadão locations in Coimbra, Penafiel, Setúbal, Faro, and Viseu are now offering the service, including the conversion of series A, B, and D.
Five more Citizen Shops and Spaces will allow the subscription of savings products, namely Savings Certificates and Treasury Certificates, starting next Monday. Under a 'cooperation protocol' between the IGCP and AMA, the shops in Coimbra, Penafiel, Setúbal, Faro, and Viseu will now provide service for savers.
The Government announced this Friday, March 20, that the network of service points, such as Citizen Shops and Citizen Spaces, which handle matters related to savings products, will be increased from seven to 12. A joint statement from the Ministry of Finance and the Ministry of State Reform indicates that from next Monday, March 23, five more Citizen Spaces will begin offering services related to savings products: Coimbra, Penafiel, Setúbal, Faro, and Viseu. In these locations, it will be possible to access a wider range of services, such as subscribing to and redeeming savings products, updating personal data associated with savings accounts, and the dematerialisation of physical certificates from series A, B, and D. This reinforcement was carried out through a cooperation protocol between the IGCP (Treasury and Public Debt Management Agency) and AMA (Administrative Modernisation Agency). It is recalled that on January 5, 2026, a process began for the dematerialisation of series A, B, and D certificates, which still exist in physical form. Holders can go to CTT post offices and other authorised spaces to hand in paper certificates and receive the digital equivalent, a process that will last nearly four years, until November 29, 2029. Conversion of paper savings certificates to digital starts today; Portuguese people channel savings into deposits and savings certificates.
The yield on Savings Certificates will fall again in February. The base interest rate for subscriptions made next month will be set at 2.031%, down 0.015 percentage points from the 2.046% offered on investments made in January. This marks the second consecutive month the base rate has declined, following the drop recorded previously...
The amount invested in certificates surpassed the €40 billion mark at the end of last year.
Savings Certificates raised a net €5.45 billion last year, about €21.5 million per working day.
The state savings product is once again attracting interest in 2025. Investment in domestic shares increased.
Investment in Savings Certificates surpassed the €40 billion threshold at the end of 2025, reflecting strong interest from small savers in this state savings instrument. In December, households invested €430.9 million in these certificates, representing net subscriptions over redemptions, which meant that holdings ...
CTT’s leader says António Costa’s government “applied an excessive remedy” when it replaced Series E.
If you hold Savings Certificates in paper form, learn the steps to convert them to the current format and where to go for the exchange.
Exchange your paper Savings Certificates for digital ones to avoid losing money and access to very special conditions.
The change can be made by the certificate holder or by someone designated through a power of attorney.
The process of digitising Savings Certificates starts this Monday and will continue until 29 November 2029. At the same time, fuel prices remain practically unchanged. The Bank of Portugal publishes this Monday the State guarantees for mortgage loan contracts. In the Algarve, the Unir bus network ...
Secretary of State Brandão de Brito explained that savings certificates will automatically be included in the inheritance of heirs when the holder of the savings certificates passes away.
