$What is Euribor and how does it affect credit and savings in Portugal (2026)
What Euribor is, in summary Euribor (Euro Interbank Offered Rate) is the average rate at which a panel of major European banks lends money to each other in the interbank market of the eurozone. It is calculated and published daily by an independent entity, not by individual banks or customers, but tends to follow the […]
How to Invest in IPOs from Portugal (Freedom24): A Practical Guide 2026
The Quick Answer Freedom24 is currently one of the few ways for retail investors in Portugal to subscribe to stocks before they debut in the market (IPO) — something traditionally reserved for institutional investors. There is no guarantee of allocation, each IPO has its own lock-up period, and it is a high-risk investment. Orders cost […]
Interest on Uninvested Balance: How Much Does Idle Money Earn at Freedom24 (2026)
The Quick Answer At Freedom24, the balance in euros or dollars that you haven’t invested yet isn’t left idle without generating returns: it automatically enters the D-Account, an interest-bearing account with daily interest. The rate is variable — it closely follows market reference rates (EURIBOR for euros, SOFR for dollars) — so it changes over […]
How to Open an Account at Freedom24 from Portugal: Step-by-Step Guide (2026)
The Quick Answer Opening an account with Freedom24 from Portugal is done 100% online: you fill in the registration (email, phone, tax information), send an ID document and proof of address, complete a suitability questionnaire (required for brokers regulated in the EU) and, once approved — typically within 1 to 3 business days — you […]
U.S. and European Treasury Bonds via Freedom24: A Guide for Portuguese Investors
The Quick Answer At Freedom24, you can invest in U.S. and European Treasury bonds in two ways: directly in the bond market (over 147,000 available, starting from 1,000€/$ through the “Bonds Showcase”) or indirectly through Treasury bond ETFs (UCITS, accessible from any amount). The typical commission is 0.15% (minimum 5€/5$) per transaction, with no custody […]
Freedom24 vs Portuguese Broker: Is it Worth Leaving the Bank to Invest?
The Quick Answer For those who invest regularly in stocks and ETFs, switching from a traditional bank to a brokerage like Freedom24 is often clearly advantageous: Portuguese banks typically charge a percentage commission per order (with a fixed minimum) plus an annual custody fee, while Freedom24 charges a fixed commission per share (starting at €0.02, […]
What is an ETF? Complete Guide for Portuguese Investors (2026)
What is an ETF, in summary An ETF (Exchange-Traded Fund) is an investment fund that is bought and sold on the stock exchange just like a stock, but represents a diversified basket of assets — for example, an ETF on the S&P 500 index gives you exposure to 500 American companies in a single purchase. […]
Categories of IRS Income in Portugal: Complete Guide (A to H)
IRS Income Categories, in Summary The Portuguese IRS Code organizes the income of an individual into six active categories: A (employment), B (business and professional), E (capital — interest and dividends), F (real estate — rents), G (capital gains and other property income) and H (pensions). It is common to have income from more than […]
Freedom24 and the IRS in Portugal: How to Declare Capital Gains in Annex J (2026)
Quick Answer Since Freedom24 is a foreign broker (regulated in Cyprus), gains and income are declared in the Annex J of the IRS, not in Annex G. By default, a flat rate of 28% is paid on the net balance of capital gains for the year, but since Law 31/2024, there is a discount that […]