I'm on the Bank of Portugal's Blacklist, now what?


I'm on the Bank of Portugal's Blacklist, now what?

You failed to pay your installments on time and now you have your name blacklisted by the Bank of Portugal? Learn what it means and what you can do to resolve the situation.

What is the Bank of Portugal's blacklist?

The Bank of Portugal's black list contains information on debtors who have unpaid loans to financial institutions in Portugal. This information is part of the data that make up the Central Credit Register (CCR) of the Bank of Portugal.

The CCR data, which includes the Bank of Portugal's black list, assists financial institutions in assessing the risk of granting credit to an individual or company. The blacklist is public, and is available for consultation by financial institutions and also by individuals. In this way, it is possible to know and assess the capacity that the individual or entity has to meet its financial obligations.

Consulting the CCR information is not only useful in situations of evaluation before granting credit. It is common for financial institutions to use the Bank of Portugal's blacklist to monitor the financial situation of their customers and assess the risk of default.

The CCR not only includes information about defaulting debts, but also includes all information about financial commitments, loans and credit cards, of an individual or a company.

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How do I know if I am blacklisted by the Bank of Portugal?

Are you worried about your financial situation? Have you missed an installment of your credit? If you are in doubt whether your name is on the Bank of Portugal's blacklist or not, you can request your Credit Responsibilities Chart and clarify your doubts.

The request to know if you are on the Bank of Portugal's blacklist can be made in person or online.

To make the request in person, you can go to a Bank of Portugal branch, fill out the consultation request form and present a valid ID document.

If you don't have the opportunity to go to a branch, you can request your Statement of Responsibilities on the Bank of Portugal's website, using your electronic ID or digital certificate.

After you make the request, you will get a report, which outlines all the recorded information about your credit liabilities, including information about possible debts that may be outstanding and what your current situation is.

If your name is blacklisted by the Bank of Portugal, you may face difficulties in getting credit in the future. Still, being on the blacklist does not mean that your credit applications will automatically be disapproved. Moreover, know that there are solutions for those who want to apply for credit even with bank problems.

However, as we have already seen, having your name blacklisted by the Bank of Portugal can make it difficult to get new loans on favorable terms. Therefore, it is very important that you keep your financial situation under control and avoid defaulting.

Be responsible when applying for loans or credit to ensure that you can meet your financial obligations.

Having financial problems? Learn how to avoid bad credit!

Is it possible to get off the Bank of Portugal's blacklist?

Yes, it is possible to get off the Bank of Portugal's blacklist! The simplest way to do this is to pay the debt in arrears. However, if you don't have this possibility, know that there are other options.

After the outstanding amounts have been settled, the financial institution must inform the Bank of Portugal that the payment is no longer due. In turn, the Bank of Portugal updates the CCR information. And then, all you have to do is wait. This process can take up to 5 working days, normally.

However, if settling the debt is not an option in your case, there are other options to clear your name and get off the Bank of Portugal's blacklist, among them:

  • Renegotiate debt: You can try to make an agreement with the bank and renegotiate your debt. This way, your situation at the Bank of Portugal will be categorized as "renegotiated credit". Usually, the options are to get a guarantor or change the payment conditions.
  • Sell assets you have in your name: You can use the proceeds from the sale of real estate or vehicles, for example, to help clear outstanding debt.
  • Filing for insolvency: You can file for insolvency, i.e. declare yourself bankrupt. This is usually an option considered as a last resort, due to the strong consequences it entails.

After the Bank of Portugal updates the information in the CCR, the person or company is no longer on the blacklist and can again apply for credit under normal conditions.

However, it is important to consider that the time it takes to update the data in the CCR can vary and that the record of debts can remain in your credit history for up to 5 years, even after the situation is settled.

In addition, financial institutions are expected to update the information in the Central Credit Register with some regularity, so that the blacklist is as up-to-date as possible and reflects the real financial situation of consumers.


In short, being blacklisted by the Bank of Portugal should not be seen as a definitive sentence. It is possible to regularize your situation and get off the list.

Still, we remind you that having your name blacklisted by the Bank of Portugal can have serious consequences, such as difficulty in obtaining financing with favorable conditions. And it can leave your record tarnished for several years. Thus, we recommend that you keep your payments on time and fulfill your financial obligations to avoid banking problems in the future.


The Domusvenda Group works with a wide variety of service providers and has a solid network of specialized companies with many years of experience in the Distressed Assets market.


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