Bank of Portugal Credit Report

What Is It?

The Credit Responsibilities Report (Mapa de Responsabilidades de Crédito) is an official document issued by the Bank of Portugal (Banco de Portugal) listing all loans registered under your name — including loans where you act as a guarantor (fiador).

In practical terms, it functions as your financial résumé for banks.

What Is It For / Why Is It Important?

Mortgage Approval
This is one of the first documents consulted by banks during a credit application. Any late payments or excessive debt exposure becomes immediately visible.

Debt-to-Income Assessment (Taxa de Esforço)
Banks use this report to confirm exactly how much you pay monthly across all financial commitments (car loan, credit cards, personal loans, etc.).

Personal Control
It allows you to verify whether loans exist under your name without your knowledge, helping detect potential fraud.

What Information Appears in the Report?

Active Loans

• Outstanding loan balance

• Monthly instalment amount

Type of Credit

• Mortgage loans (crédito habitação)

• Car loans

• Personal loans

• Credit cards

• Bank overdrafts

Loan Status

• Indicates whether credit is regularised (Regularizado)

• Or in default (Incumprimento), meaning payments are overdue

Credit Cards
Even unused credit cards appear in the report, showing the available credit limit (plafond).

Where Can You Obtain It?

Online — Free Download

You can obtain the report through the Central Credit Register (Central de Responsabilidades de Crédito) on the Banco de Portugal website.

Access is granted by authenticating with:

• Portuguese Tax Portal credentials (Portal das Finanças), or

• Digital Mobile Key (Chave Móvel Digital).

What Does It Cost?

€0 — Free

You may request your credit report as often as you wish at no cost.

Crucial Tip: Credit Card Limits

If you hold credit cards that you do not use, consider cancelling them before applying for a mortgage.

Banks treat the total available credit limit as potential debt exposure, which may negatively impact your affordability ratio (taxa de esforço) — even when the outstanding balance is zero.