Portugal · Credit institution
Caixa Geral de Depositos
Legal name in the LEI recordCAIXA GERAL DE DEPÓSITOS S.A.
Caixa Geral de Depósitos, S.A. is a Portuguese public limited company with its head office in Lisbon. The Portuguese State holds its entire share capital. The bank describes itself as a universal bank. Through the bank and its group companies it covers commercial and investment banking, brokerage, asset management and specialised credit. Founded in 1876, it marked its 150th anniversary in 2026 and sold its Cape Verde subsidiary Banco Comercial do Atlântico in January 2026.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Caixa Geral de Depósitos, S.A.
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Size (Total assets EUR 100-150 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Caixa Geral de Depósitos, S.A.
- RIAD code
- PT35
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Comissão do Mercado de Valores Mobiliários (CMVM) | 1991-07-29 | A1 A2 A3 A5 A6 A7 B1 B2 B3 B4 B6 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CGDIPTPLXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under CGDIPTPL directly.
- Swift GPI
- Live member
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · T2 · TIPS
- Branch codes
- 3 branch codes
- BIC first registered
- 1982-11-29
- Last updated
- 2016-02-06
Overview
Researched 29 Sep 2026 · Sources
Ownership
State-owned
100% Portuguese State (Portuguese Republic)
Institution type
Universal bank
Trades as Caixa
- Ownership
- The Portuguese State holds 100% of the share capital and acts as sole shareholder.
- Direct parent
- Portuguese State (Portuguese Republic), Portugal 100%
- Major shareholder
- Portuguese State 100% · 18 Jul 2025
- Head office
- Avenida João XXI, 63, 1000-300 Lisboa, Portugal
- Company register
- CRCL / NIF 500 960 046 (Conservatória do Registo Comercial de Lisboa); Banco de Portugal register no. 35
- Name in the local language
- Caixa Geral de Depósitos, S.A.
Business lines
According to its 1H2026 results release, the bank serves individuals, SMEs, corporates and private-banking clients in Portugal through 484 branches and 45 SME offices. Its international business runs through branches and subsidiaries in France, Macau, Mozambique, Angola and other markets.
Online
- Websites & references
- cgd.pt ↗
cgd.pt/english ↗ English-language version of the main site
recrutamento.cgd.pt ↗ recruitment site
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 14 pages consulted
- cgd.pt/Institucional/Governo-Sociedade-CGD/Modelo-de-Governo/Pages/Orgaos-Sociais.aspx
- cgd.pt/Institucional/Grupo-CGD/Banca-Comercial/Pages/caixa-geral-depositos.aspx
- cgd.pt/Institucional/Sala-de-Imprensa/2026/pages/atividade-consolidada-1s2026.aspx
- cgd.pt/Investor-Relations/Informacao-Financeira/CGD/Relatorios-Contas/2026/Documents/Press-Relea
- diariodarepublica.pt/dr/detalhe/despacho/4910-2026-1085990817
- cgd.pt/Investor-Relations/Comunicados-CMVM/Titulares-Orgaos-Sociais/Documents/TOSF-27DEZ2021.PDF
- jornaldenegocios.pt/empresas/banca---financas/detalhe/gestao-da-caixa-com-quatro-mexidas-antonio-valente-sobe
- eco.sapo.pt/2025/07/18/nova-administracao-da-cgd-inicia-funcoes-este-sabado/
- jornaleconomico.sapo.pt/noticias/cgd-com-nova-administracao-ate-2028-eduardo-stock-da-cunha-e-joao-moreira-rato-c
- idealista.pt/news/financas/credito-a-habitacao/2025/02/11/68202-cartel-da-banca-relacao-arquiva-proces
- eco.sapo.pt/2025/08/29/pcp-quer-ouvir-governador-do-banco-de-portugal-sobre-prescricao-de-coimas-a-ca
- cnnportugal.iol.pt/banca/bancos/tribunal-confirma-multas-de-225me-para-cartel-da-banca/20240920/66ed8574d34e
- publico.pt/2026/06/01/economia/noticia/nota-10-euros-leva-caixa-geral-depositos-justica-banco-portug
- en.wikipedia.org/wiki/Caixa_Geral_de_Dep%C3%B3sitos
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Paulo José de Ribeiro Moita de Macedo Vice-Chairman of the Board of Directors and Chairman of the Executive Committee (CEO)
- Chair
- António Farinha Morais Non-Executive Chairman of the Board of Directors
- Chief financial officer
- António José Alves Valente Executive Director, Chief Financial Officer
- Executive
- Francisco Ravara Cary Vice-Chairman of the Executive Committee
- Executive
- João Paulo Tudela Martins Executive Director (risk, compliance and anti-financial crime)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- Portugal
- Banco de Portugal Central bankPrudential supervisorAML supervisorConductResolution
- Portugal
- Comissão do Mercado de Valores Mobiliários (CMVM) Securities
- Portugal
- Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) Other
Recent events 4 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
According to Público, the bank challenged in court a Banco de Portugal administrative offence decision imposing a EUR 9,000 fine.
publico.pt ↗ -
Merger / acquisition
The bank completed the sale of its Cape Verde subsidiary Banco Comercial do Atlântico, S.A.
cgd.pt ↗ -
Enforcement
The Constitutional Court finally refused to hear the competition authority's appeal, making the time-bar ruling in the banking cartel case final.
eco.sapo.pt ↗ -
Leadership
The State as sole shareholder elected a new board for 2025-2028, and António Valente replaced Paula Geada as chief financial officer.
jornaldenegocios.pt ↗ -
Enforcement
The Lisbon Court of Appeal declared time-barred the competition case in which the bank had been fined EUR 82 million and closed it.
idealista.pt ↗ -
Enforcement
The Competition, Regulation and Supervision Court upheld a EUR 82 million competition fine against the bank for exchanging credit information with rival banks.
cnnportugal.iol.pt ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CGDIPTPLXXX
- How the BIC breaks down
- CGDIBank
- PTCountry · Portugal
- PLLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- TO822O0VT80V06K0FH57
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Código de banco (IBAN bank code) 0035
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Portugal · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
The Caixa Geral de Depósitos S.A. group has 11 institutions in the directory, in 9 countries: all hold a BIC.
Including Caixa Banco de Investimento, S.A, Banco Caixa Geral de Angola S.A., Banco Caixa Geral-Brasil S/A, Banco Comercial e de Investimentos, Sa., Banco Nacional Ultramarino, S.A..
See the Caixa Geral de Depósitos S.A. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- AVENIDA JOAO XXI 63 LISBON 1000-300 PORTUGAL
- Operational address
- AVENIDA JOAO XXI 63 LISBON 1000-300 LISBON POB 1795 PORTUGAL
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CGDIPTPLXXX</BICFI>
<LEI>TO822O0VT80V06K0FH57</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CGDIPTPLXXX</BICFI>
<LEI>TO822O0VT80V06K0FH57</LEI>
<Nm>CAIXA GERAL DE DEPOSITOS</Nm>
<PstlAdr>
<TwnNm>LISBON</TwnNm>
<Ctry>PT</Ctry>
<AdrLine>AVENIDA JOAO XXI 63 LISBON 1000-300</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2018-11-05 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2010-11-01 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2010-11-01 | Head office | — |
| Verification of Payee | 2025-10-05 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Código de banco (IBAN bank code) · Portugal
1 code file of 2026-09-07
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| 0035 | CGDIPTPLXXX | CAIXA GERAL DE DEPÓSITOS, S.A. |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 3 branch BICs connect to the head office. No city, function or registration year splits them into groups.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| CGDIPTPLMRS | CGD TARGET MECANISMO DE RISCO SICOI | Lisbon | AVENIDA JOAO XXI 63 LISBON 1000-300 LISBON POB 1795 PORTUGAL | TO822O0VT80V06K0FH57 | 2022-02-05 |
| CGDIPTPLOPR | — | Porto | RUA CAMOES 139 FLOOR 6 PORTO 4000 PORTO PORTUGAL | — | 2016-02-06 |
| CGDIPTPLOSF | MADEIRA OFFSHORE BRANCH | Funchal | AVENIDA ARRIAGA 17 FLOOR 3 FUNCHAL FUNCHAL PORTUGAL | — | Not recorded |
Claim this profile
Work at Caixa Geral de Depositos?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- National bank codes—Portugal (Source: Banco de Portugal; LEIs: European Central Bank, list of MFIs).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo