{"Opening an Account":[{"id":586,"idCategoria":10,"pergunta":"Is Banco Carregosa safe?<\/p>","resposta":"Banco Carregosa is proud to be one of the most sound institutions in European banking, with a solvency ratio double that required by the regulator. The average of this ratio remains systematically above 20%. The solvency ratio is an indicator of the safety and soundness of banking institutions, reflected in the company\u2019s capacity to pay (solve) its debts. For further details, please see the <a href=\"https:\/\/www.bancocarregosa.com\/en\/o-banco-en\/#cb-tab-header-item--1742814638834\" target=\"_blank\">Annual Report<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-586"},{"id":351,"idCategoria":10,"pergunta":"Is Banco Carregosa a shareholder of other banks or does it have shareholdings of other banks in its capital?<\/p>","resposta":"Banco Carregosa has no cross-shareholdings with other banks.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-351"},{"id":356,"idCategoria":10,"pergunta":"Can I open an account in a base currency other than in EUR?<\/p>","resposta":"Yes, opening an account in foreign currency implies that the customer expressly indicates this when establishing a contractual link with the Bank. In this case, opening an account is subject to the fees set out in the <a href=\"https:\/\/www.bancocarregosa.com\/en\/precario\/\" target=\"_blank\" rel=\"noopener\">price list.<\/a><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-356"},{"id":355,"idCategoria":10,"pergunta":"Which entities regulate Banco Carregosa?<\/p>","resposta":"Banco Carregosa is registered with Banco de Portugal (BoP) under no. 0235 and with the Portuguese Securities Market Commission (CMVM) under no. 0169, and is regulated by both entities. <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-355"},{"id":407,"idCategoria":10,"pergunta":"Are my assets protected?<\/p>","resposta":"Banco Carregosa has signed up to the <a onclick=\"\" href=\"https:\/\/www.fgd.pt\" target=\"_self\">Deposit Guarantee Fund (FGD)<\/a>, which covers the risks of depositors up to a certain amount per holder. For more details on the respective scheme, see the <a onclick=\"\" href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-5\/depositor-information-template-basic-information-about-protection-of-deposit.pdf\" target=\"_self\">Depositor Information Form<\/a>.<\/p>In addition, the Bank is a member of the <a href=\"https:\/\/https:\/\/investidor.cmvm.pt\/PInvestidor\/Content?Input=0D4C15876006512FED4E2BD0D5C7528FD2EA2DEEC8FCF5B30F8E31F95EF066FE\" target=\"_blank\" rel=\"noopener\">Investor Compensation System<\/a>, with the CMVM, which guarantees coverage of any claims against the institution as a result of any financial incapacity.<\/p>To know more about the protection of your assets, please see our <a onclick=\"\" href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-11\/documento-informacao-en.pdf\" rel=\"noopener\" target=\"_blank\">Information Document<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-407"},{"id":348,"idCategoria":10,"pergunta":"How can I open an account with Banco Carregosa?<\/p>","resposta":"You can do it <a href=\"https:\/\/www.bancocarregosa.com\/pt\/abertura-de-conta-online\/\" target=\"_blank\" rel=\"noopener\">online<\/a>, in a simple and convenient way. You will immediately have access to homebanking services and your account details.<\/p>After completing the process, you will receive an email with the documents that require your signature, as well as the list of documents you must send to the Bank. To eliminate shipping costs and save inconvenience, use the CTT\/Banco Carregosa protocol.<\/p> Consult <a href=\"https:\/\/www.bancocarregosa.com\/pt\/repositorio\/ctt\/lista-de-lojas-ctt.pdf\">here <\/a>the CTT offices you can use to validate the documents.<\/p>If you wish, you can also open an account in person at our branches. <a href=\"\/contactos\/#cb-tab-header-item--1730900930625\">Contact us<\/a> for more information.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-348"},{"id":343,"idCategoria":10,"pergunta":"Are there minimum requirements for opening an account?<\/p>","resposta":"No. For more information, please see <a href=\"https:\/\/www.bancocarregosa.com\/en\/contactos\/#cb-tab-header-item--1730900930625\">contact us<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-343"},{"id":352,"idCategoria":10,"pergunta":"I have completed the account opening process, when can I start using my account?<\/p>","resposta":"After opening the account online, the necessary documents will be sent to you to be signed, which you need to attach, for each account holder:<\/p><ul><li>Identification Document: <\/strong>Cart\u00e3o \u00danico, or Identity Card, or other equivalent document under the terms of the Portuguese law.<\/li><li>Taxpayer Card:<\/strong> Taxpayer card or equivalent document proving tax identification in the country(ies) of residence.<\/li><li>Documentary proof of profession: <\/strong>For this purpose, the pay slip or declaration of the employer issued within no more than 3 months. If the profession requires registration in a professional association, a copy of the professional card will be accepted as proof of the profession, and proof of registration for the exercise of a self-employed activity or, in the case of a salaried professional, proof of employers capacity.<\/li><li>Proof of Residence\/Address: <\/strong>A copy of a water, electricity, etc. bill, proof of tax residence obtained from the Portuguese Tax Portal or a statement from the Parish Council is sufficient. Only documents issued within no more than 3 months will be accepted.<\/li><\/ul>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-352"},{"id":408,"idCategoria":10,"pergunta":"I have an account with Banco Carregosa. How can I have access to homebanking?<\/p>","resposta":"If you didn't sign up for homebanking when you opened your account, contact your Private Banker or Account Manager to request access.<\/p>If you wish to retrieve your access data, <a href=\"https:\/\/my.bancocarregosa.com\/\" target=\"_blank\" rel=\"noopener\">click here<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-408"},{"id":409,"idCategoria":10,"pergunta":"In the past, I opened an account with L. J. Carregosa - Sociedade Financeira de Corretagem, S.A. What should I do to reactivate it?<\/p>","resposta":"L.J. Carregosa - Sociedade Financeira de Corretagem, S.A. is now Banco L.J. Carregosa S.A.. Given the differences between a Brokerage Firm and a Bank, you must sign a new contract, although you can keep the same account number, and its history. Please contact us at <a href=\"mailto:ApoioCliente@BancoCarregosa.com\" target=\"_blank\">ApoioCliente@BancoCarregosa.com<\/a><\/span> or call +351 232 960.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-409"},{"id":350,"idCategoria":10,"pergunta":"In the past, I opened an account with L. J. Carregosa - Sociedade Financeira de Corretagem, S.A. What should I do to reactivate it?<\/p>","resposta":"L.J. Carregosa - Sociedade Financeira de Corretagem, S.A. is now Banco L.J. Carregosa S.A.. Given the differences between a Brokerage Firm and a Bank, you must sign a new contract, although you can keep the same account number, and its history. Please contact us at ApoioCliente@GoBulling.com or call 808 10 20 20.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-350"},{"id":349,"idCategoria":10,"pergunta":"As Banco Carregosa does not have a network\r\nof branches, how can it properly serve its Clients?<\/span><\/p>","resposta":"Our Client service is\r\ndone in a fully personalised manner. Through the internet or in person, all\r\nmatters are dealt with by the appointed account manager (private banker<\/span>),\r\nregardless of the type of product, service or account that has been contracted.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-349"},{"id":341,"idCategoria":10,"pergunta":"What documents are needed to open and update your account at Banco Carregosa?<\/p>","resposta":"After performing the <a onclick=\"window.dataLayer = window.dataLayer || []; window.dataLayer.push({ event : gaevent_link_clicks, link_click : Online Account Opening, referral_page : https:\/\/my.bancocarregosa.com\/bancocarregosa\/pt\/abertura-de-conta\/});\" href=\"https:\/\/my.bancocarregosa.com\/bancocarregosa\/pt\/abertura-de-conta\/\">Online Account Opening<\/span><\/a> You will be sent the necessary documents for signature, to which you must attach, for each account holder:<\/span><\/p><div style=\"background-color: rgb(255, 255, 255);\"><ul style=\"color: rgb(102, 102, 102); font-family: Arial, Helvetica, Verdana; font-size: 12px;\"><li>Identification Document<\/span>: Single Card, or Identity Card or other document Equivalent under Portuguese law.<\/span><\/li><li>Taxpayer Card<\/span>: Taxpayer card or equivalent document proving tax identification in the country(ies) of residence.<\/span><\/li><li>Proof of Profession<\/span>: A payslip or a statement from the employer less than 3 months old is acceptable for this purpose. If the profession requires registration with a Professional Body, a copy of the professional card will be accepted as proof of profession, and proof of registration for the exercise of a liberal professional activity must be attached or, if the professional is employed by someone else, proof from the employer.<\/span><\/li><li>Proof of Residence\/Address<\/span>: A copy of a water, electricity, etc. bill, proof of tax residence obtained from the Tax Authority's website, or a declaration from the Parish Council is sufficient. Only documents less than 3 months old will be considered.<\/span><\/li><\/ul><\/span><\/div><div style=\"background-color: rgb(255, 255, 255);\"> Document Update:<\/span><\/div><div style=\"background-color: rgb(255, 255, 255);\"><ul><li><span style=\"font-family: OpenSans, sans-serif; font-size: 13.3333px; background-color: The documents identified above are the same ones you should consider and submit for the account update processes at Banco Carregosa. <\/li><\/ul><\/span>If you wish, you can consult the complete list of eligible documents for the account opening and update processes at Banco Carregosa through this <a href=\"https:\/\/www.bancocarregosa.com\/pt\/repositorio\/pac\/meios-comprovativos-para-o-processo-de-abertura-e-atualizacao-de-conta.pdf\">link<\/a>. <\/li><\/ul><\/div>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-341"},{"id":697,"idCategoria":10,"pergunta":"How do you open a Digital Mobile Key account?","resposta":"To open an account with the Digital Mobile Key, follow these steps:<\/span>:<\/span><\/p> <\/p>-<\/span> <\/span>Go to \u2018<a href=\"https:\/\/aberturadeconta.bancocarregosa.com\/bancocarregosa\/pt\/abertura-de-conta\/\" target=\"_blank\" rel=\"noopener\">Open Account<\/a><\/span>\u2019;<\/span><\/p>- <\/span>Authenticate yourself with the Digital Mobile Key<\/span>: During the account opening process, use your Digital Mobile Key to authenticate yourself. This ensures that your data associated with the Citizen's Card is transferred automatically and securely;<\/p><\/p><\/p>- Fast and secure process<\/span>: Using the Digital Mobile Key makes the account opening process faster, as the data is transferred immediately after authentication. Security is guaranteed by this system certified by the Portuguese State.<\/span><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-697"},{"id":698,"idCategoria":10,"pergunta":"I've already started opening my account online. How can I resume the process?<\/span>","resposta":"If you've already started the account opening process but haven't submitted it yet, <a href=\"https:\/\/aberturadeconta.bancocarregosa.com\/bancocarregosa\/pt\/abertura-de-conta\/retomar\" target=\"_blank\" rel=\"noopener\">you can do so via this link<\/a>.<\/span>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-698"},{"id":699,"idCategoria":10,"pergunta":"<div>I've completed the account opening process, when can I start using my account?<\/span><\/div><div> <\/div>","resposta":"Use of the account is subject to approval. However, once you have completed the online account opening process, you will immediately receive an email with the username and password to access your homebanking, which will allow you to check your details.<\/span><\/p>If you have opened your account on paper - and have filled in the document \u2018Request for access to the Banco Carregosa website\u2019 - as soon as your account is approved you will receive your homebanking access details by email and SMS.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-699"},{"id":354,"idCategoria":10,"pergunta":"I need to go in person to Banco Carregosa. Where should I go?<\/p>","resposta":"You may do so at our offices:<\/p>\u00a0<\/p>Savings and Investments<\/span><\/p>Porto<\/span><\/p><\/span>Rua Guerra Junqueiro, 552\u00a0<\/span><\/p>4150-387 Porto, Portugal<\/span><\/p>\u00a0<\/p><\/span><\/p>Lisboa\u00a0<\/span><\/p><\/span>Rua Latino Coelho, 37-B<\/span><\/p>1050-132 Lisboa, Portugal<\/span><\/p>\u00a0<\/p><\/span><\/p><\/span><\/p><\/p>Private Banking<\/span><\/p><\/span>Porto\u00a0<\/span>Av. da Boavista, 1043<\/span><\/p><p data-template=\"0\" data-linkedtotemplate=\"0\" style=\"border: 0px solid rgb(229, 231, 235); box-sizing: border-box; --tw-border-opacity: 1; --tw-shadow: 0 0 #0000; --tw-ring-inset: ; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; margin: 0px; line-height: 1.5;\"><span data-template=\"0\" data-linkedtotemplate=\"0\" style=\"border: 0px solid rgb(229, 231, 235); box-sizing: border-box; --tw-border-opacity: 1; --tw-shadow: 0 0 #0000; --tw-ring-inset: ; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; color: rgb(33, 37, 41); font-size: 10pt;\">4100-129 Porto, Portugal<\/span><\/p>\u00a0<\/p><p data-template=\"0\" data-linkedtotemplate=\"0\" style=\"border: 0px solid rgb(229, 231, 235); box-sizing: border-box; --tw-border-opacity: 1; --tw-shadow: 0 0 #0000; --tw-ring-inset: ; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; margin: 0px; line-height: 1.5;\"><span data-template=\"0\" data-linkedtotemplate=\"0\" style=\"border: 0px solid rgb(229, 231, 235); box-sizing: border-box; --tw-border-opacity: 1; --tw-shadow: 0 0 #0000; --tw-ring-inset: ; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; color: rgb(33, 37, 41); font-size: 10pt;\"><\/span><\/p>Lisboa\u00a0<\/span><\/p><\/span>Rua de S\u00e3o Caetano, 6<\/span><\/p>Bloco C 3\u00ba Andar<\/span><br data-template=\"0\" data-linkedtotemplate=\"0\" style=\"border: 0px solid rgb(229, 231, 235); box-sizing: border-box; --tw-border-opacity: 1; --tw-shadow: 0 0 #0000; --tw-ring-inset: ; --tw-ring-offset-width: 0px; --tw-ring-offset-color: #fff; --tw-ring-color: rgba(59,130,246,.5); --tw-ring-offset-shadow: 0 0 #0000; --tw-ring-shadow: 0 0 #0000; color: rgb(33, 37, 41); font-family: OpenSans; font-size: 13.3333px;\" \/>1200-829 Lisboa, Portugal<\/span>\u00a0<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-354"},{"id":410,"idCategoria":10,"pergunta":"Without a branch network, how can Banco Carregosa properly monitor its clients?<\/p>","resposta":"Our customer service is fully customised. Whether online or in person, all issues are dealt with by the designated Private Banker or Account Manager, regardless of the type of product, service or account you have contracted.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-410"},{"id":353,"idCategoria":10,"pergunta":"Does Banco Carregosa have commercial banking products, such as home loans, consumer credit, cards, etc?<\/p>","resposta":"No. Banco Carregosa is especially dedicated to protecting the clients assets. Therefore, it specialises in solutions to preserve and make savings or investments in financial assets profitable.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-353"},{"id":689,"idCategoria":10,"pergunta":"How do I know if I can be a private banking client at Banco Carregosa?<\/span>","resposta":"The main objective of the traditional private banking client is to preserve their assets and make their savings profitable. If this is your priority, you can ask us to assess your investor profile, and if you so wish, suggest solutions that meet your objectives.<\/span>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-689"},{"id":403,"idCategoria":10,"pergunta":"How can I access an account manager?<\/p>","resposta":"When you open your account, you will be assigned an account manager. If you do not know who your manager is, please <a href=\"https:\/\/my.bancocarregosa.com\/\" target=\"_blank\" rel=\"noopener\">log in<\/a> and check the details on the top right hand corner of the pge. Alternatively, contact us at ApoioCliente@bancocarregosa.com or on +351 213 232 960.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-403"},{"id":411,"idCategoria":10,"pergunta":"How can I open an account in the name of a company or a non-resident individual?<\/p>","resposta":"Please contact us at ApoioCliente@bancocarregosa.com or call 808 10 20 20.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-411"},{"id":412,"idCategoria":10,"pergunta":"In my area of residence there is no office or branch of Banco Carregosa. What should I do?<\/p>","resposta":"At Banco Carregosa, clients only have to come to us if they so wish. Contact us for more information:<\/p>Savings and Investment:<\/p>T. : +351 226 086 414 \/ +351 213 232 960 <\/p>poupancaeinvestimento@bancocarregosa.com<\/p>Opening an account: <\/p>T. : 808 10 20 20<\/p>AberturaConta@bancocarregosa.com<\/p>Private Banking:<\/p>T. : +351 226 086 464 \/ +351 210 134 100<\/p>bancaprivada@bancocarregosa.com<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-412"},{"id":347,"idCategoria":10,"pergunta":"My personal data has changed. What should I do?<\/p>","resposta":"You can change your personal details by accessing your Banco Carregosa home banking account. Alternatively, you can contact your Private Banker or Account Manager. If any supporting documentation needs to be validated, the change will only take effect once it has been received.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-347"},{"id":340,"idCategoria":10,"pergunta":"How can I close an account?<\/p>","resposta":"You may suspend use of your account at any time and reactivate it whenever you wish. To ensure closure, you must formalise your request using the <a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-11\/account-closure-request-form.pdf\" target=\"_blank\" rel=\"noopener\">Account Closure Request<\/a> form and send it to <a href=\"https:\/\/www.bancocarregosa.com\/en\/contactos-en\/\" target=\"_blank\">Banco Carregosa<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-12","perguntaIdentifier":"faqSection-12_faqQuestion-340"}],"Homebanking":[{"id":635,"idCategoria":79,"pergunta":"What are the different balances considered in my account?<\/p>","resposta":"There are five types of different balances in your account, as defined below: <\/p><ul><li>Accounting balance<\/strong> - Balance, per date of movement, resulting from the difference between credits and debits. It includes all the movements of the same day and previous days<\/li><li>Value Balance<\/strong> - Balance used for calculating interest. Includes all movements with value date of the same day or previous days.<\/li><li>Available Balance<\/strong> - Balance that the client can freely move without being subject to interest owed or other charges. It may imply the prior closure of open positions in derivative instruments, since the potential capital gains and losses of these positions are considered and the margins required for them are not taken into account. The closing out of these positions may have an impact on equity and on the available balance itself, depending on the respective price realisation.<\/li><li>Authorised Balance<\/strong> - Balance that the client can use even though it may be subject to interest owed or other charges.<\/li><li>Authorised Balance for Purchases<\/strong> - Balance that the client can use to enter purchase orders.<\/li><\/ul>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-635"},{"id":637,"idCategoria":79,"pergunta":"My authorised purchase balance is positive. However, my available balance is negative. Can I be charged interest or commission?<\/p>","resposta":"Yes. The client can only freely move the available balance without being subject to interest owed or other charges.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-637"},{"id":638,"idCategoria":79,"pergunta":"How are checking accounts remunerated?<\/p>","resposta":"There is no remuneration for checking accounts.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-638"},{"id":639,"idCategoria":79,"pergunta":"What are my rights and obligations concerning bank deposits according to Banco de Portugal?<\/p>","resposta":"See <a href=\"https:\/\/www.bancocarregosa.com\/pt\/repositorio\/informacoes-legais\/depositos-bancarios.pdf\">Banco de Portugal leaflet \u2013 Bank Deposits: Rights and Duties<\/a>.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-639"},{"id":640,"idCategoria":79,"pergunta":"What do I need to join\/access Banco Carregosa homebanking?<\/p>","resposta":"To have access to homebanking you must hold a private account with Banco Carregosa, and have signed up when opening the account. If you have not done so, you can request access here indicating the account number, taxpayer number and date of birth.<\/p>When logging in you will have to provide your user ID, password, and multi-factor code if you have activated that option.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-640"},{"id":641,"idCategoria":79,"pergunta":"Does the password have an expiry date?<\/p>","resposta":"No. However, we recommend chenging your password regularly.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-641"},{"id":642,"idCategoria":79,"pergunta":"What do I do if Ive forgotten my User ID or password?<\/p>","resposta":"If you have forgotten your password or User ID, click <a href=\"https:\/\/my.bancocarregosa.com\/login\" target=\"_self\">here<\/a>, fill in the details and wait for an email with instructions.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-642"},{"id":643,"idCategoria":79,"pergunta":"What is the Operations PIN and how can I change it?<\/p>","resposta":"The Operations PIN is an additional security tool when performing operations on your account. You can change or deactivate it at any time via the menu Settings > Security. However, when executing financial transfers, this PIN is always requested. Deactivating the Operations PIN does not cancel Banco Carregosas security procedure of sending an SMS with a confirmation code.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-643"},{"id":644,"idCategoria":79,"pergunta":"Can I change my password and how should I set it?<\/p>","resposta":"Yes, and we recommend doing it periodically. To do this, you should go to Settings > Security.<\/p>Your password is personal and should not be passed on to third parties. In addition, when setting it, you must use:<\/p>* at least 8 characters;<\/p>* upper and lower case letters;<\/p>* numerals.<\/p>If you want to use special characters you must choose one of the following: \"! @ # $ % ^ & * ( ) _ + | ~ = ` { } [ ] : ; < > ? , . \/ (space)\".<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-644"},{"id":645,"idCategoria":79,"pergunta":"What is the User ID and how can I get it?<\/p>","resposta":"The User ID is the identification of Banco Carregosa\u2019s client that allows access to the online investment channel. If you have opened an account online, the User ID is sent to you at the end of the process via email; if the account opening process was done on paper, but you requested to sign up to Banco Carregosa\u2019s website, you will receive an email with the User ID as soon as the account is approved.<\/p><a href=\"http:\/\/www.bancocarregosa.pt\/id-de-utilizador\/\">Click here for more information on User ID.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-645"},{"id":646,"idCategoria":79,"pergunta":"What is the multi-factor code and how can I activate\/deactivate it?<\/p>","resposta":"If you want to increase the security of your account, you should activate the multi-factor code, which takes effect when you log in. After typing the correct username and password, a code is sent to your mobile phone, which is needed for you to successfully log in. You have three attempts to enter the code, if you exceed them, a new code will be sent via SMS.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-646"},{"id":647,"idCategoria":79,"pergunta":"What are the costs associated with using homebanking?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-1\/fees-costs-and-interest-rates-leaflet.pdf\" rel=\"noopener\" target=\"_blank\">The conditions set out in the Banks price list apply to access and use of homebanking.<\/a><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-647"},{"id":648,"idCategoria":79,"pergunta":"How can I consult my account details?<\/p>","resposta":"You can click on My Account to check your personal data, associated email, your investor profile, as well as your account number, IBAN and BIC\/SWIFT, which you can print if you wish.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-648"},{"id":649,"idCategoria":79,"pergunta":"Where can I check my balance and the instruments in my portfolio?<\/p>","resposta":"Click on My Account > Balances and Movements to will find the value per sub-account and the movements made. For an overview of your position, click on Assets.<\/p>Click on My Portfolio > Portfolio to check the instruments and the portfolio value. On this page, you can filter by sub-account, and also sell\/buy back an instrument.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-649"},{"id":650,"idCategoria":79,"pergunta":"Can I define how the conversion of balances is carried out if I have a financial sub-account in a currency other than the base currency of the account?<\/p>","resposta":"Yes, via the menu Settings > Currency Management you can choose one of the following options:<\/p><ul><li>Convert every day the negative balances<\/strong> of financial sub-accounts in a currency other than the base currency of my account.<\/li><li>Never convert balances<\/strong> from financial sub-accounts in a currency other than the base currency of my account.<\/li><li>Convert every day the balances<\/strong> of financial sub-accounts in a currency other than the base currency of my account, regardless of whether they are positive or negative.<\/li><\/ul>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-650"},{"id":651,"idCategoria":79,"pergunta":"What operations can I perform through homebanking?<\/p>","resposta":"On Banco Carregosa\u2019s website, you can access information on your account, including balances in cash and in financial instruments, operations performed and status of transaction orders you have ordered, as well as make internal, national and international transfers, subscribe to Deposits, invest in Mutual Funds, Shares, Bonds, ETFs and Warrants. In addition, you will find relevant reports and tax information. You can also subscribe to Banco Carregosa solutions, such as the GoBulling Pro platform via Settings > Platforms<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-651"},{"id":652,"idCategoria":79,"pergunta":"Is there a limit to homebanking transactions?<\/p>","resposta":"Yes, for security reasons there are maximum amounts above which operations must be verified by your Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-652"},{"id":653,"idCategoria":79,"pergunta":"Can I redeem a term deposit through homebanking?<\/p>","resposta":"Yes, if you have subscribed to a callable term deposit, you can go to My Portfolio > Portfolio and redeem it.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-653"},{"id":654,"idCategoria":79,"pergunta":"How can I monitor and give orders to the markets through homebanking?<\/p>","resposta":"You can search for instruments via Trading > Instrument Search and place orders on such instruments. Also, in the menu Settings > Portfolios you can create portfolios made up of the products you wish to monitor. <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-654"},{"id":655,"idCategoria":79,"pergunta":"How can I consult and change the orders placed?<\/p>","resposta":"The My Operations menu has functionalities such as Order Management where you can consult and modify or cancel the orders placed. Also, the My Account > Activity History menu shows you all the activities performed.<\/p>Cant find the answer to your questions? Please contact us!<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-32","perguntaIdentifier":"faqSection-32_faqQuestion-655"}],"Transfers":[{"id":690,"idCategoria":15,"pergunta":"What is an instant credit transfer and how does it work?<\/p>","resposta":"<\/p><\/span><\/p><\/p>Instant Transfers is a retail electronic payment solution that is\r\navailable 24 hours a day, 7 days a week, 365 days a year. It allows you to\r\ntransfer euros in real time.<\/p><\/p><\/p><\/p><span style=\"font-size: 10pt;\" instant=\"\" transfers=\"\" is=\"\" a=\"\" retail=\"\" electronic=\"\" payment=\"\" solution=\"\" that=\"\" available=\"\" 24=\"\" hours=\"\" day,=\"\" 7=\"\" days=\"\" week,=\"\" 365=\"\" year.=\"\" it=\"\" allows=\"\" you=\"\" to=\"\" transfer=\"\" euros=\"\" in=\"\" real=\"\" time.=\"\" <=\"\" span=\"\"><\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-690"},{"id":691,"idCategoria":15,"pergunta":"Who can use it and how?<\/span><\/p>","resposta":"<\/span><\/p>Instant transfers can\r\nbe sent to banks in SEPA countries. From 7 January 2025, all banks part of payment\r\nsystems will be obliged to receive instant transfers, as will remittances from\r\nOctober 2025.<\/p><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-691"},{"id":692,"idCategoria":15,"pergunta":"What is the difference\r\nbetween a credit transfer and an instant transfer?<\/span><\/p>","resposta":"The difference between\r\nan instant transfer and a credit transfer is the time between the request for\r\nthe transfer and the time when the amount is credited to the payee\u2019s account.<\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-692"},{"id":693,"idCategoria":15,"pergunta":"What does the 10\r\nsecond time limit mean?<\/span><\/p>","resposta":"The 10-second time\r\nlimit is the maximum time the recipient\u2019s bank has to accept the transfer\r\nbefore the transfer request is cancelled.<\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-693"},{"id":694,"idCategoria":15,"pergunta":"Is it safe to use the\r\ninstant credit transfer service?<\/span><\/p>","resposta":"<\/span><\/p>Yes, the security level\r\nfor instant transfers is the same as for other transfers.<\/p> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-694"},{"id":695,"idCategoria":15,"pergunta":"Is there a cost for\r\nthe user to make an instant credit transfer?<\/span><\/p>","resposta":"The cost of instant\r\ntransfers may not exceed the cost of regular transfers.<\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-695"},{"id":671,"idCategoria":15,"pergunta":"<\/p><\/p>What is SPIN?<\/p><\/p><\/p>","resposta":"<\/span><\/p><\/p><div><\/div>SPIN is a functionality that allows payment service users to initiate a credit transfer or an immediate transfer in a simple and convenient way by specifying a beneficiary identifier instead of entering the IBAN: the mobile phone number or VAT number (Value Added Tax number) in the case of natural persons and the legal entity identification number (NIPC) in the case of legal persons.<\/span><\/p>This functionality has been developed to improve the user experience when making credit transfers and immediate transfers. It is regulated by <a href=\"https:\/\/www.bportugal.pt\/sites\/default\/files\/anexos\/instrucoes\/481532082_4.docx.pdf\">Instruction No. 2\/2024<\/a>, in force since 8 February 2024, which amends <a href=\"https:\/\/www.bportugal.pt\/sites\/default\/files\/anexos\/instrucoes\/481766052_1.docx.pdf\">Instruction No. 8\/2018<\/a> \u2013 SICOI Regulation.<\/p><div><\/div><\/p><\/span><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-671"},{"id":672,"idCategoria":15,"pergunta":"When is SPIN available?<\/p> ","resposta":"SPIN is available 24 hours a day, 7 days a week, and 365 days a year.\u00a0<\/p> ","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-672"},{"id":673,"idCategoria":15,"pergunta":"<\/p>Who can use SPIN?<\/p><\/p>","resposta":"<\/span><\/p><\/p><div><\/div>SPIN can be used by all payment service users, whether natural or legal persons, who have a payment account with a payment service provider established in Portugal that participates in the immediate credit transfer subsystem and\/or the SEPA part of the credit transfer subsystem of the <a href=\"https:\/\/www.bportugal.pt\/page\/sicoi\">Interbank Clearing System<\/a> (SICOI). <\/p>Clients of payment service providers that do not participate in these subsystems, as well as clients of branches of national payment service providers located outside Portugal (even if they participate in SICOI), cannot use this functionality. <\/p><div><\/div><div><\/p><\/div><\/p><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-673"},{"id":674,"idCategoria":15,"pergunta":"In which channels can SPIN be used?<\/p> ","resposta":"<\/span><div>Users of payment services can use this functionality through the same channels through which Banco Carregosa offers the initiation of transfers, by credit, Homebanking or in presence.  <\/p><\/div>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-674"},{"id":675,"idCategoria":15,"pergunta":"Does the payment service user have to associate their mobile telephone number or NIPC number with SPIN in order to initiate transfers using this functionality?<\/p> ","resposta":"<div><\/div>No. The payment service user, the originator of the (credit) transfer, does not need to associate their identifier with the functionality or take any action for this purpose. This functionality is provided by payment service providers when initiating credit transfers and immediate transfers. <\/p> ","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-675"},{"id":676,"idCategoria":15,"pergunta":"Does the payment service user have to associate their telephone number or NIPC number with SPIN in order to receive transfers via this functionality?<\/p> ","resposta":"<\/span><\/p><div><\/div>Yes. The payment service user can only be the beneficiary of credit transfers initiated using SPIN \u2013 i.e. where the payer initiates the transaction using the payee's mobile number or NIPC \u2013 if the payee has previously associated the identifier (mobile number\/NIPC) with the IBAN of the payment account to which they wish to receive funds.<\/p>In the case of private users, the mobile telephone number to be used as an identifier must be the same as the one registered and certified with the payment service provider for the purpose of strong client authentication. The purpose of this requirement is to strengthen the security of SPIN, for example by minimising the possibility of mistakes in entering the identifier or fraud.<\/p><div><\/div><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-676"},{"id":677,"idCategoria":15,"pergunta":"Is it mandatory to make SPIN available to payment service users?<\/p> ","resposta":"<\/span>Yes. Banco Carregosa, as a payment service provider established in Portugal and participating in the SEPA credit transfer subsystem of the SICOI credit transfer subsystem, is obliged to make SPIN available to its clients when initiating a credit transfer, regardless of whether the transfer is initiated via Homebanking or in person. <\/p> ","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-677"},{"id":678,"idCategoria":15,"pergunta":"Is it possible to know in advance if the recipient of the transfer is already a SPIN member?<\/p> ","resposta":"<\/span><\/p><\/p><div><\/div>Yes, payment service providers can provide this information at their discretion. <\/p>When initiating the transfer, the sender can select the desired recipient from the contact list on their mobile telephone, instead of having to manually enter the mobile telephone number.<\/p> <\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-678"},{"id":679,"idCategoria":15,"pergunta":"How do I receive money transfers via SPIN?<\/p> ","resposta":"<\/span><\/p><\/p><div><\/div>The user must make a request to associate their identifier \u2013 mobile telephone number (in the case of natural persons) or NIPC number (in the case of legal persons) \u2013 with their payment account identifier (IBAN). This request must be made through the Banco Carregosa Homebanking service where the payment account that the user wishes to associate with their identifier is located, i.e. the payment account where the funds will be received. <\/p>The request for association will be made through the Banco Carregosa Homebanking service, using the client's strong authentication application, excluding those operated by third parties. Banco Carregosa may allow the association to be made in person, in which case it must ensure that it collects the information necessary to prove that the user has requested the association of their identifier with their account identifier.<\/p>In the case of private users, the mobile phone number to be used as an identifier must be the same as the one registered and certified with Banco Carregosa, for the purposes of strong client authentication. The purpose of this requirement is to strengthen the security of SPIN, preventing, for example, errors in entering the identifier or fraud situations. <\/p><\/span> <\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-679"},{"id":680,"idCategoria":15,"pergunta":"<\/p>Is it possible to change or delete the association between a user identifier and an IBAN?<\/p> ","resposta":"<div><\/span><\/div><div style=\"font-size: 10pt;\"><div><\/div>Yes.<\/p>In order to change the IBAN associated with the user's identifier, the client must submit a request to re-associate their identifier \u2013 mobile phone number (in the case of natural persons) or NIPC (in the case of legal persons) \u2013 with the identifier of the payment account (IBAN) to which they wish to receive funds. This request must be made through the channels of the payment service provider where the new payment account that the user wishes to associate with their identifier is located, i.e. the new payment account where the funds will be received.\u00a0<\/p>SPIN assumes that an identifier (mobile number or NIPC) can only be associated with one IBAN at any given time.<\/p>In order to remove the link between the user identifier and the IBAN, the user must submit a request to dissociate their identifier \u2013 mobile phone number (in the case of natural persons) or NIPC number (in the case of legal persons) \u2013 from the payment account identifier (IBAN). This request must be made through the channels of the payment service provider where the payment account that the user wishes to dissociate from their identifier is domiciled.\u00a0<\/p>The request to change or cancel a membership may be made at least via the Payment Service Provider's remote electronic channels, using strong client authentication, excluding applications operated by third parties. The payment service provider may allow the amendment or cancellation to be made by other means, such as over-the-counter and telephone banking services, in which case it must ensure that it collects the elements enabling it to prove the validity of the user's request.<\/p><div><\/div><\/div><div><\/span><\/div>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-680"},{"id":681,"idCategoria":15,"pergunta":"Can users who are sole traders associate their tax number with their IBAN?<\/p>","resposta":"<\/p>No. In SPIN, sole traders (ENI \u2013 empres\u00e1rios em nome individual) are treated as private users, so they can only associate a mobile phone number as an identifier and not a tax number.<\/span><\/p><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-681"},{"id":682,"idCategoria":15,"pergunta":"Can private users associate their tax number with their IBAN?<\/p> <\/p>","resposta":"No. In SPIN, private users can only associate a mobile phone number as an identifier, not a tax number.<\/p> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-682"},{"id":683,"idCategoria":15,"pergunta":"Is it possible to associate more than one identifier (mobile phone number and\/or VAT number) with the same IBAN?<\/p> <\/p>","resposta":"Sim. É poss\u00edvel associar mais do que um identificador ao mesmo IBAN, por exemplo, no caso de contas cotituladas e desde que esses identificadores digam respeito aos titulares dessa conta de pagamento.<\/p><\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-683"},{"id":684,"idCategoria":15,"pergunta":"Is it possible to associate the same identifier (mobile number and\/or NIPC) with more than one IBAN?<\/p> <\/p>","resposta":"<div><\/div>No. SPIN assumes that a given user identifier (mobile number\/NIPC) can only be associated with one payment account identifier (IBAN) at any given time. <\/p> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-684"},{"id":685,"idCategoria":15,"pergunta":"Is it possible to associate a foreign tax number with the IBAN?<\/p> <\/p>","resposta":"No. SPIN only accepts tax numbers issued in Portugal.<\/p> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-685"},{"id":686,"idCategoria":15,"pergunta":"Is it possible to associate a foreign mobile number with the IBAN?<\/p> <\/p>","resposta":"<div>Yes, SPIN accepts foreign mobile numbers.<\/p><\/div><div> <\/div> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-686"},{"id":687,"idCategoria":15,"pergunta":"<\/p><\/p>Does SPIN involve any costs for the user of the payment service? <\/span><\/span><\/p><\/p><\/p>","resposta":"<\/p>No. Payment service providers cannot charge users commission for using SPIN.<\/p><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-687"},{"id":688,"idCategoria":15,"pergunta":"Are there any restrictions on the use of SPIN?<\/p> <\/p>","resposta":"Payment service providers may implement mechanisms to prevent misuse of the functionality. In case of doubt, please contact Banco Carregosa through the usual channels.<\/p> <\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-688"},{"id":361,"idCategoria":15,"pergunta":"How can I transfer securities to my account with Banco Carregosa?<\/p>","resposta":"You can transfer securities from any financial intermediary to Banco Carregosa. To this end, you need to contact your account manager to obtain the transfer instructions which the other financial intermediary should use for the market where the securities are traded. Note that transfers of securities between accounts are only exempt from off-exchange fees if made between accounts with exactly the same account holders. Banco Carregosa appreciates the information that such a request has been made in order to monitor and inform you if a problem is detected. This information can be transmitted to us by any means: telephone, fax, email or other.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-361"},{"id":57,"idCategoria":15,"pergunta":"What should I do to reinforce the financial balance of my account?<\/p>","resposta":"<ul><li>Make a SEPA transfer to one of your accounts at Banco L. J. Carregosa, S.A.<\/span><\/li><li>Deliver a cheque at our premises.<\/span><\/li><li>Send a cheque addressed to Banco L. J. Carregosa, S.A. indicating the account number to be credited.<\/span><\/li><\/ul>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-57"},{"id":359,"idCategoria":15,"pergunta":"Where can I find my IBAN?<\/p>","resposta":"You can find it in the \"My Account\" menu on our website in the IBAN module. Alternatively, you can contact your Account Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-359"},{"id":406,"idCategoria":15,"pergunta":"What is BIC\/SWIFT?<\/p>","resposta":"The BIC, or SWIFT code, is the code that identifies the PSP (Payment Service Provider) in accordance with the ISO 9362 standard. The BIC code of Banco Carregosa can be found in the menu \"My Account\" on our website, in the IBAN module.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-406"},{"id":362,"idCategoria":15,"pergunta":"What type of transfers can I order through the website?<\/p>","resposta":"You can order internal transfers, between Banco Carregosa accounts, and SEPA transfers, in euros. For other types of transfers, please contact your account manager or Banco Carregosa Customer Service.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-362"},{"id":404,"idCategoria":15,"pergunta":"What are the NIB and the IBAN? And what is the difference between them?<\/p>","resposta":"The NIB is made up of 21 digits, the first four of which refer to the financial agent code assigned by Banco de Portugal. From 1 February 2016 the IBAN became the sole identifier for bank accounts<\/strong>, putting an end to the NIB.<\/p>In the case of Portugal, the IBAN (International Bank Account Number), is composed of the NIB (Bank Identification Number), preceded by the country code (PT) and two control digits, which in the Portuguese case is always 50. Source: www.bportugal.pt\/<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-404"},{"id":405,"idCategoria":15,"pergunta":"What code is required for national and international Transfers?<\/p>","resposta":"From 1 February 2016, clients must use the IBAN for all transfers (national and international) instead of the NIB.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-405"},{"id":519,"idCategoria":15,"pergunta":"How long does it take for credit and debit transfers to be processed?<\/p>","resposta":"Transfers requested by 3 p.m. are processed on the same day. When transfers are made between internal accounts, that is, when both accounts are with Banco Carregosa, the value date and the date of availability will coincide with the processing date. For all other domestic transfers and cross-border transfers in euros, the amounts will be credited no later than the working day following the date of processing.<\/p>In cross-border transfers in currency other than euro, funds are expected to be available no longer than the 3rd working following the transfer. However, given that Banco Carregosa uses payment service providers in cross-border transfers in currency other than euro, the credit value date and the availability date should be considered as the most likely dates, since Banco Carregosa cannot commit to the credit and availability dates to be assigned.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-519"},{"id":520,"idCategoria":15,"pergunta":"How can I allocate the balance I have transferred to the GoBulling Pro platform?<\/p>","resposta":"When you make a transfer, the transferred balance is credited to the demand deposit sub-account. When the amount transferred has already been credited to your account, you can order the transfer between the demand deposit and the GoBulling Pro sub-accounts, directly via homebanking using the Transfers module (Internal).<\/p>If you are unable to do so, please send an email to transferencias@gobulling.com.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-520"},{"id":360,"idCategoria":15,"pergunta":"How can I transfer my account balance to another account?<\/p>","resposta":"The client can at any time ask Banco Carregosa to transfer the available financial balance, or part thereof, to another account. If you wish to transfer the balance to another account with Banco Carregosa or to another national institution (SEPA) you can use the Transfers module on our website.<\/p>For any further questions about transfers, please contact your account manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-10","perguntaIdentifier":"faqSection-10_faqQuestion-360"}],"Beneficiary Verification":[{"id":700,"idCategoria":81,"pergunta":"How does the verification of payee work?<\/span><\/span><\/span><\/p>","resposta":"<\/span><\/p>This\r\nservice enables payment service users to verify the payee of a standard or\r\ninstant credit transfer by checking whether the name they entered matches the\r\nname(s) of the destination account holder(s), as registered with the payee\u2019s\r\npayment service provider.<\/span><\/p>\r\n\r\n<\/span><\/span><\/p>\u00a0<\/p>This\r\nsolution was developed by the Banco de Portugal to allow payment service\r\nproviders to comply with\u00a0<\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L_202400886\">Regulation (EU) 2024\/886<\/span><\/a>\u00a0of the European Parliament and\r\nof the Council as regards instant credit transfers in euro, in terms of the\r\nobligation to provide their customers with a mechanism that ensures the\r\nverification of the payee receiving credit transfers, whether standard or\r\ninstant.<\/span><\/p>\r\n\r\n<\/span><\/span><\/p>\u00a0<\/p>The\r\nverification of payee service complements the\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/confirmation-payeepayer\">confirmation of payee<\/span><\/a>\u00a0functionality made available\r\nin Portugal in May 2024. The verification of payee service enhances security\r\nfor users carrying out both standard or instant credit transfers, helps to\r\nreduce fraud and increases users\u2019 confidence in carrying out these operations\r\nwithin the euro area.<\/span><\/p>\r\n\r\n<\/span><\/span><\/p>\u00a0<\/p>Provision\r\nof the verification of payee service is regulated by\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/instrucao\/112025\">Instruction of the Banco de Portugal No 11\/2025<\/span><\/a>\u00a0\u2013 the SICOI Regulation.<\/span><\/p><\/span><\/p>\u00a0<\/p>Please refer to the following informational materials regarding beneficiary verification:<\/span><\/p>- Brochure: \u2018<a href=\"https:\/\/https:\/\/www.bportugal.pt\/sites\/default\/files\/documents\/2025-10\/Brochura_VOP_europeu_en.pdf\">How to \r\nmake sure \r\nthat you are \r\nsending money \r\nto the right \r\nperson\u2019<\/a>;<\/p><\/span><\/span><\/p>- Video: \u2018<a href=\"https:\/\/www.youtube.com\/watch?v=uqY5LyWNFHk\">Sabia que \u00e9 poss\u00edvel confirmar o nome do destinat\u00e1rio de uma transfer\u00eancia em toda a \u00e1rea do euro?<\/a>\u2019<\/p>\u00a0<\/p>Source: Banco de Portugal<\/span><\/p><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-700"},{"id":701,"idCategoria":81,"pergunta":"When did it become available?<\/span><\/p>","resposta":"The verification of payee service has been available since 5 October 2025.<\/span><\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/p><\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-701"},{"id":702,"idCategoria":81,"pergunta":"Is the service available every day?<\/span><\/p>","resposta":"The verification of payee service is available 24 hours a day, 7 days a week, 365 days a year.<\/span><\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-702"},{"id":703,"idCategoria":81,"pergunta":"Who can use this service?<\/span><\/p>","resposta":"The verification of payee service may be used by all payment service users, both natural or legal persons, holding a payment account with a payment service provider authorised in accordance with Directive (EU) 2015\/2366 on payment services in the internal market, that has opted into the service with the Banco de Portugal. This includes payment service providers participating in the clearing and settlement subsystems of the Interbank Clearing System (SICOI), and payment service providers participating in the Eurosystem\u2019s instant transfer system \u2013 TARGET Instant Payment Settlement (TIPS).<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-703"},{"id":704,"idCategoria":81,"pergunta":"What channels is the service available through to payment service users?<\/span><\/p>","resposta":"Payment service users can use this functionality through the same channels where their payment service provider offers the initiation of standard or instant credit transfers, either remotely (e.g. home banking or app) or face-to-face (e.g. counters).<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-704"},{"id":705,"idCategoria":81,"pergunta":"Must the payment service user opt into the service?<\/span><\/p>","resposta":"No. The payment service user, be it the (standard or instant) credit transfer\u2019s originator or payee, need not opt into the service or do anything else. This service is offered by payment service providers when initiating standard or instant credit transfers.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-705"},{"id":706,"idCategoria":81,"pergunta":"Are payment service providers required to offer a verification of payee service to their customers?<\/span><\/p>","resposta":"<\/span><\/p>Yes. Payment service providers are required to provide their customers with a mechanism to verify the payee when initiating standard or instant credit transfers, in compliance with the requirements of <\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L_202400886\">Regulation (EU) 2024\/886<\/span><\/a> of the European Parliament and of the Council as regards instant credit transfers in euro.<\/span><\/p><\/span>Participants, established in Portugal, in the instant transfers subsystem and in the SEPA component of the credit transfer subsystem are required to make the verification of payee service provided by the Banco de Portugal available to payment service users whenever the <\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/confirmation-payeepayer\">single confirmation of payee<\/span><\/a> functionality:<\/span><\/p><\/span><ol start=\"1\" type=\"1\" style=\"font-size: 10pt;\"><li>has failed to confirm the identity of the payee of the payment transaction; or<\/span><\/li><li>has made it possible to confirm the identity of the first holder of the account received through the <\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/confirmation-payeepayer\">single confirmation of payee<\/span><\/a> functionality, but the customer has introduced the name of the intended payee.<\/span><\/li><\/ol><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-706"},{"id":707,"idCategoria":81,"pergunta":"Is the service mandatory for all transfers?<\/span><\/p>","resposta":"<p class=\"text-align-justify\" style=\"box-sizing: border-box; margin-top: 0px; margin-bottom: 1rem; overflow-wrap: break-word; font-size: 16px; line-height: 1.5rem; color: rgb(33, 37, 41); font-family: \" open=\"\" sans\",=\"\" sans-serif;=\"\" background-color:=\"\" rgb(255,=\"\" 255,=\"\" 255);\"=\"\"><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L_202400886\" style=\"font-size: 10pt;\">Regulation (EU) 2024\/886<\/span><\/a>\u00a0of the European Parliament and of the Council as regards instant credit transfers in euro establishes a requirement to verify the payee on all standard or instant credit transfers, except in the following two situations:<\/span><\/p><\/span><ol start=\"1\" type=\"1\" style=\"font-size: 10pt;\"><li>paper-based payment orders \u2013 in situations where the payer of the transaction is not present and as such cannot receive the information on the verification of the payee;<\/span><\/li><li>multiple payment orders as a package issued by payers that are not consumers, e.g. firms \u2013 in this case firms should be able to opt out from receiving the verification of payee service. Payment service providers should subsequently allow these firms to opt in to avail themselves again of the verification of payee service. Payment service providers are required to establish with their users that are not consumers, such as firms, the terms to opt out\/in.<\/span>\u00a0<\/li><\/ol><\/span><\/span><\/p>\u00a0<\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-707"},{"id":708,"idCategoria":81,"pergunta":"In practice, how is verification of payee processed?<\/span><\/p>","resposta":"<\/span><\/p>Using the\r\npayment service provider\u2019s channels, the payer of a standard or instant credit\r\ntransfer enters the IBAN of the destination account holder(s) and the name of\r\nthe intended payee and is automatically provided with the match results between\r\nthe name entered and the name(s) of the destination account holder(s) users, as\r\nregistered with the payee\u2019s payment service provider. <\/span>The possible\r\noutcomes of this verification are as follows:<\/p>\r\n\r\n<\/span><ol start=\"1\" type=\"1\" style=\"font-size: 10pt;\">\r\n <li>Match<\/span>: if the name of the payee\r\n entered by the payer corresponds to the name of one of the destination\r\n account holders, the payment service provider informs the payer that the\r\n correspondence is accurate and therefore does not provide that name to the\r\n payer;<\/span><\/li>\r\n <li>Close match<\/span>: if the name of the payee\r\n entered by the payer and the name of one of the holders of the destination\r\n account do not match exactly but nevertheless almost match, the payment\r\n service provider informs the payer that the name is a close match and\r\n presents the name of the IBAN holder that is closest to the name entered\r\n by the payer;<\/span><\/li>\r\n <li>No match<\/span>: if there is no exact or close\r\n match between the name of the payee provided by the payer and the names of\r\n the holders of the destination account, the payment service provider\r\n informs the payer that there is no match and provides no name. In\r\n addition, the payment service provider informs the payer that authorising\r\n the payment may lead to transferring funds to a payment account that is\r\n not held by the intended payee.<\/span><\/li>\r\n <li>Match\/verification check not\r\n possible<\/span>: if,\r\n for technical reasons, it is not possible for the service to respond\r\n within the intended time, or if, for example, the indicated payment\r\n account does not exist, the payment service provider informs the payer\r\n that the match cannot be verified and suggests that the payer try\r\n again.<\/span><\/li>\r\n<\/ol>\r\n\r\n<\/span>On the\r\nbasis of the information obtained, the payer decides whether or not to proceed\r\nwith the transfer, along the usual lines.<\/span><\/p> <\/p><\/span>Source: Banco de Portugal<\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-708"},{"id":709,"idCategoria":81,"pergunta":"How does the verification of payee service liaise with the confirmation of payee service?<\/span><\/p>","resposta":"<\/span><\/p>In standard\r\nor instant credit transfers between payment service providers established in\r\nPortugal participating in the SICOI\u2019s instant transfer subsystem and\/or SEPA\r\ncomponent of the credit transfer subsystem (see\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/sites\/default\/files\/documents\/2024-05\/PLCP_Lista_de_PSP_obrigados_a_disponibilizar.pdf\">list<\/span><\/a>):<\/span><\/p>\r\n\r\n<\/span><ol start=\"1\" type=\"1\" style=\"font-size: 10pt;\">\r\n <li>the\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/confirmation-payeepayer\">single confirmation of payee<\/span><\/a>\u00a0is used by default. I.e.\r\n after the payer of the standard or instant credit transfer enters the IBAN\r\n or another identifier (e.g. the\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/spin\">SPIN<\/span><\/a>\u00a0identifier) of the payee\u2019s account,\r\n the name of the first holder of the destination account is automatically\r\n presented;<\/span><\/li>\r\n <li>if the\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/en\/page\/confirmation-payeepayer\">single confirmation of payee<\/span><\/a>\u00a0fails to return the name\r\n of the payee or if, after receiving the name of the first holder of the\r\n account the payer decides to introduce the name of the intended payee, the\r\n payment service provider uses the verification of payee service instead,\r\n i.e. checking the correspondence between the name of the payee\r\n inserted\/amended by the payer and the names of the destination account\r\n holders. In this case, the payer receives the result of this verification\r\n (match, close match, no match, or verification check not possible).<\/span><\/li>\r\n<\/ol>\r\n\r\n<\/span>Standard\r\nand instant credit transfers to payment service providers other than\r\nthose\u00a0<\/span><a href=\"https:\/\/www.bportugal.pt\/sites\/default\/files\/documents\/2024-05\/PLCP_Lista_de_PSP_obrigados_a_disponibilizar.pdf\">listed<\/span><\/a>\u00a0(e.g. payment service providers\r\nestablished outside Portugal) use the verification of payee. Hence, the payer\r\nof a standard or instant credit transfer enters the IBAN of the destination\r\naccount holder(s) and the name of the intended payee and is automatically\r\nprovided with the match results between the name entered and the name(s) of the\r\ndestination account holder(s) users. The verification may lead to the following\r\nresults: match, close match, no match, or match\/verification check not\r\npossible.<\/span><\/p><\/span><\/p>\u00a0<\/p>Source: Banco de Portugal<\/span><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-709"},{"id":710,"idCategoria":81,"pergunta":"Does this service incur any additional costs to the payment service user?<\/span><\/p>","resposta":"No. Payment service providers may not charge users any additional fees for using the verification of payee service.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-710"},{"id":711,"idCategoria":81,"pergunta":"Are there any limitations to using this service?<\/span><\/p>","resposta":"<\/span><\/p>No. Payment\r\nservice users can use the verification of payee service when initiating\r\nstandard or instant credit transfers made in euro within the euro area without\r\nany limitation.<\/span><\/p>\r\n\r\n<\/span>Payment\r\nservice providers, however, may implement additional mechanisms to prevent the\r\nmisuse of this functionality. When in doubt, users should contact their payment\r\nservice provider through the usual channels.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-711"},{"id":712,"idCategoria":81,"pergunta":"Can the verification of payee be carried out on the basis of an identifier other than the name of the payee?<\/span><\/p>","resposta":"<\/span><\/p>If the\r\npayee is a natural person, the verification of payee must always be carried out\r\nusing the name, pursuant to <\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L_202400886\">Regulation (EU) 2024\/886<\/span><\/a> of the European Parliament and\r\nof the Council as regards instant credit transfers in euro.<\/span><\/p>\r\n\r\n<\/span>If the\r\npayee is a legal person, the verification may be carried out on the basis of an\r\nidentifier other than the name as provided for in that Regulation. However, at\r\nthis early stage, the verification of payee service made available by the Banco\r\nde Portugal can only carry out the verification based on the payee\u2019s name.\r\nFuture service developments will make it possible to verify the payee on the\r\nbasis of other legal person identifiers, such as the legal person\r\nidentification number (LPIN) or the Legal Entity Identifier (LEI).<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-712"},{"id":713,"idCategoria":81,"pergunta":"In a transfer to an account abroad, will the payee\u2019s name be checked?<\/span><\/p>","resposta":"Yes, it is possible, provided that the transfer is being made to a payment account denominated in euro, within the euro area.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-713"},{"id":714,"idCategoria":81,"pergunta":"How must users proceed if the service is unavailable and it is not possible to verify who holds the account?<\/span><\/p>","resposta":"<\/span><\/p>If for any\r\nreason it is not possible to verify the payee of the destination account, users\r\nwill always be informed by their payment service provider.<\/span><\/p>\r\n\r\n<\/span>The option\r\nto perform transfers under such circumstances should always be left to the\r\nuser.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-714"},{"id":715,"idCategoria":81,"pergunta":"In the case of a transfer to a firm, can the verification be based on the trading name?<\/span><\/p>","resposta":"<\/span>Yes. Where\r\nthe destination account belongs to a legal person (e.g. a firm), the\r\nverification of payee must take place whether the payer enters the corporate\r\nname or the trading name (brand) under <\/span><a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=OJ:L_202400886\" style=\"font-size: 10pt;\">Regulation (EU) 2024\/886<\/span><\/a> <\/span>of the European Parliament and\r\nof the Council as regards instant credit transfers in euro. However, there may\r\nbe cases where the payee\u2019s payment service provider does not have the trading\r\nname of the firm in its records.<\/span><\/p><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/span><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-715"},{"id":716,"idCategoria":81,"pergunta":"Is it possible for firms to verify payees as a package?<\/span><\/p>","resposta":"<\/span><\/p>Yes,\r\npayment service providers should make solutions available to their customers\r\nthat are legal persons (such as firms) that allow the verification of payees\r\nwhen initiating multiple payment transactions as a package (in bulk).<\/span><\/p>\r\n\r\n<\/span>For this\r\ntype of transaction, a harmonised file for communication between customers and\r\npayment service providers has been prepared to minimise the coexistence of\r\nmultiple formats.<\/span><\/p>\r\n\r\n<\/span>The use of\r\nthe harmonised file by payment service providers is not mandatory and they may\r\nchange it or use another format for their communication with customers. To\r\nrequest this file, please contact your payment service provider.<\/span><\/p>\r\n\r\n<\/span>The\r\nreporting file is distinct from the file used to process payment\r\ntransactions.<\/span><\/p><\/span><\/p>\u00a0<\/p>Source: Banco de Portugal<\/span><\/span><\/p><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-716"},{"id":717,"idCategoria":81,"pergunta":"What is the Banco de Portugal\u2019s role as Routing and\/or Verification Mechanism (RVM) within the verification of payee service?<\/span><\/p>","resposta":"<\/span><\/p>Under the verification of payee service, the Banco de Portugal acts as Routing and\/or Verification Mechanism (RVM) and will:<\/span><\/p><\/span><ol start=\"1\" type=\"1\" style=\"font-size: 10pt;\"><li>forwards the requests and answers between payment service providers for the verification of payee when the transfer is initiated;<\/span><\/li><li>carries out the verification of payee procedures, on behalf of the payees\u2019 payment service providers, implementing the verification algorithm.<\/span><\/li><\/ol><\/span><\/p> <\/p>Source: Banco de Portugal<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-36","perguntaIdentifier":"faqSection-36_faqQuestion-717"}],"Financial Markets":[{"id":308,"idCategoria":62,"pergunta":"Are there any costs for transferring my portfolio?<\/p>","resposta":"When transferring securities to Banco Carregosa, please see the price list of the Bank of origin. However, Banco Carregosa will charge no costs to receive them if they are Euronext securities. If you wish to transfer securities from other markets, please contact us so we can inform you of the required procedures.<\/p><a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-1\/fees-costs-and-interest-rates-leaflet.pdf\" rel=\"noopener\" target=\"_blank\">If you are transferring from Banco Carregosa to another intermediary, the costs indicated in the price list apply.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-308"},{"id":320,"idCategoria":62,"pergunta":"When is the sales figure available?<\/p>","resposta":"It is available for purchases from the moment of sale. However, in case of a time lag between the financial settlement date of the sale and the financial settlement date of the purchase, it may result in an unauthorised overdraft and fees may apply. Please see the <a href=\"https:\/\/bancocarregosa.com\/pt\/precario\">price list <\/a>and the <a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-1\/fees-costs-and-interest-rates-leaflet.pdf\" rel=\"noopener\" target=\"_blank\">current fees and expenses and interest rate brochure.<\/a> The financial settlement of transactions concerning share transactions is reflected in the investors account after 3 working days (2 working days for the German Stock Exchange). For Forex this period is reduced to 2 days and in the case of CFDs the financial settlement of the transaction is made on the same day.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-320"},{"id":321,"idCategoria":62,"pergunta":"Can I make my decisions based on the prices disclosed by exchanges or liquidity providers?<\/p>","resposta":"The investor should always try to make decisions based on the firm quotes of the various buy and sell offers that take place and try to limit the prices of the orders according to the prospects for the development of the security, as well as always control the execution thereof. Financial intermediaries cannot be held responsible for any possible poor disclosure of the primary stock exchanges where the respective assets are listed and the investor must be aware that there is a strong and high uncertainty in the price and quantity executed in orders without price limit when these reach the market.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-321"},{"id":322,"idCategoria":62,"pergunta":"What should I do in case of privatisation operations and subscription of rights?<\/p>","resposta":"You should contact your account manager regarding these operations.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-322"},{"id":323,"idCategoria":62,"pergunta":"What is Banco Carregosas policy on order execution and transmission?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-5\/politica-de-execucao-e-transmissao-de-ordens-bc-en.pdf\" rel=\"noopener\" target=\"_blank\">To know the Policy on the execution and transmission of Banco Carregosa orders, please click here.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-323"},{"id":374,"idCategoria":62,"pergunta":"How is the execution of index\/Tracker fds orders carried out?<\/p>","resposta":"The CFD (Contract for Difference) of a stock index is an OTC derivative (Over The Counter), and constitutes a financial product (in this case a Tracker), in which its price tends to replicate the fluctuations and movements of the respective underlying. Banco Carregosa is not a market maker and uses other credit institutions that quote this type of asset. This quotation takes into account essentially: (i) futures contracts with identical underlying, using those of closest maturity and with greater liquidity, weighted\/adjusted by factors such as interest rate, fair value and\/or spread basis; or (ii) statistical methods of a set of financial assets.<\/p>Moreover:<\/p>1. At the start of trading on a stock exchange session (market opening), the index price may different compared to the CFD, mostly due to the fact that the disclosure of such stock exchange does not yet contemplate the opening of all the securities that comprise it. In this case, the futures contract already incorporates the expectation of trading and its dividends. Despite possible differences, the correlation between the indices and their CFDs tends to be of about 99%. <\/p>2. With regard to dividends, when the investor is long\/buy or short\/sold the stock index CFD(s), credit and debit adjustments may occur in their account respectively.<\/p>3. The charts disclose indicative quotes that correspond to the bid\/ask on the asset. <\/p>4. The potential result, and its reflection in the use of margin, varies for as long as the index futures contract is quoted (the times stipulated by the Futures Exchanges are considered). If there is a compulsory closing of positions as a result of excessive use of margin, orders are remitted to the market as soon as the respective stock exchange begins trading or shows that it is apt to do so. <\/p> <\/p>Note: Investors should take into account conservative margins in order to adjust for volatility and liquidity in the market.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-374"},{"id":375,"idCategoria":62,"pergunta":"I wish to trade derivatives in the account of the company I represent. What should I do?<\/p>","resposta":"To do so you will need to comply with the procedures set out in <a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-7\/agreement-regulation-eu-no-648-2012-emir.pdf\" rel=\"noopener\" target=\"_blank\">EU Regulation 648\/2012 (EMIR)<\/a>. See more information about <a onclick=\"\" href=\"https:\/\/www.bancocarregosa.com\/en\/complementar\/#cb-tab-header-item--1700668556689\" target=\"_self\">EMIR <\/a>or contact your Private Banker.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-375"},{"id":312,"idCategoria":62,"pergunta":"What costs do I incur in if I place an order by telephone because I cannot access the electronic means I normally use?<\/p>","resposta":"If the service is unavailable due to Banco Carregosa\u2019s fault, a fee or other charge applicable to the electronic means will be charged.<\/p><a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-1\/precario-de-produtos-financeiros-en.pdf\" rel=\"noopener\" target=\"_blank\">Otherwise, the charges for the channel used will be debited, as set out in the price list of financial products.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-312"},{"id":309,"idCategoria":62,"pergunta":"What are the risks associated with the various financial instruments?<\/p>","resposta":"All investments carry risks. For more information on the different financial instruments and their risks, please refer to the information provided on the website.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-309"},{"id":310,"idCategoria":62,"pergunta":"Can I give orders over the phone?<\/p>","resposta":"Yes, you can give the order directly to the exchange operators, although the trading commission may be higher when orders are received that way. For more information, please see the price list.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-310"},{"id":313,"idCategoria":62,"pergunta":"How long does it take to enter an order into the market?<\/p>","resposta":"Just a few seconds. The type of Internet connection you have may affect the response time of the system. In general, the whole process is very quick.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-313"},{"id":366,"idCategoria":62,"pergunta":"Can I day trade?<\/p>","resposta":"In any financial intermediary you can do day trade, either by selling what you have already bought on the same day or by \"buying back\" what you have already sold.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-366"},{"id":367,"idCategoria":62,"pergunta":"Can I cancel an order?<\/p>","resposta":"Yes, by consulting the orders you can select the order you want to cancel.<\/strong><\/em><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-367"},{"id":368,"idCategoria":62,"pergunta":"Can I trade on international markets?<\/p>","resposta":"You can transmit orders to multiple international markets, for various financial products such as equities, bonds and derivatives, using electronic platforms (GoBulling Pro) or a dealing desk.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-368"},{"id":314,"idCategoria":62,"pergunta":"How do I know the status of an order?<\/p>","resposta":"By consulting orders you can check in real time if your order is:<\/p>In Processing: <\/strong>the order was received by Banco Carregosa, but has not yet been confirmed by the market and may be pending authorisation.<\/p>Sent:<\/strong> the order has been sent and is active on the market.<\/p>Changed: <\/strong>the order has been replaced and is no longer active.<\/p>Cancelled:<\/strong> the order has been cancelled by the user or has passed its expiration date.<\/p>Rejected:<\/strong> the order was not authorised or was not accepted by the market<\/p>Partially Executed: <\/strong>the order was only partially carried out.<\/p>Executed:<\/strong> the order has been fully carried out.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-314"},{"id":315,"idCategoria":62,"pergunta":"What are the validity options available for orders?<\/p>","resposta":"Depending on the marketplace\/platform where you want to enter an order, you have the following options:<\/p>At The Close <\/strong><\/em>- Order that only participates in the closing auction and is cancelled if not fulfilled.<\/p>At The Opening <\/strong><\/em>- An order to the market that only participates in the opening auction and is cancelled if not carried out.<\/p>Day<\/strong><\/em> - Order valid until the end of the day.<\/p>Fill or Kill<\/strong><\/em> - Order that is only executed if fully carried out, otherwise it is cancelled.<\/p>Good Till Cancel <\/strong><\/em>- Order with maximum validity. On Euronext, the validity of these orders is 1 year.<\/p>Good Till Date<\/strong><\/em> - Order valid until the date indicated.<\/p>Immediate or Cancel <\/strong><\/em>- Order that is either executed immediately, even partially, or is cancelled.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-315"},{"id":369,"idCategoria":62,"pergunta":"What is the maximum validity period of a Euronext order?<\/p>","resposta":"The maximum period is 365 calendar days.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-369"},{"id":316,"idCategoria":62,"pergunta":"What is the price parameter used for when entering an order?<\/p>","resposta":"When this parameter is not met, the client introduces an order to the market. In other words, it buys or sells at the best price at a given moment, depending on the existing counter orders in the market. At times of volatility or for larger quantities, the price may be quite different from the price of the last trade.<\/p>When the price is met you enter a limit order. Thus you order a buy or sell at a maximum or minimum price, respectively.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-316"},{"id":370,"idCategoria":62,"pergunta":"What is a stop trigger order?<\/p>","resposta":"A stop trigger order will only become active when a certain condition is met.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-370"},{"id":371,"idCategoria":62,"pergunta":"What are sell stop orders?<\/p>","resposta":"Sell stop orders, better known as Stop Loss, enable the investor to become a seller, according to the data entered (security, quantity and price) as soon as the market price reaches or falls below the trigger price.<\/p>In this case, the trigger price must always be lower than the last price and in the case of a limit price order, it must also be lower than the trigger price.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-371"},{"id":372,"idCategoria":62,"pergunta":"What are buy stop orders?<\/p>","resposta":"The buy stop orders, better known as Stop Limit, enable the investor to become a buyer, according to the data entered (security, quantity and price) as soon as the market price reaches or exceeds the trigger price.<\/p>In this case, the trigger price must always be higher than the last price and in the case of a limit price order, this will also have to be higher than the trigger price.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-372"},{"id":317,"idCategoria":62,"pergunta":"What is Stop Price and how does it work?<\/p>","resposta":"When you enter a buy order, if this parameter is filled, the order only goes to execution if the price of the last trade is equal to or less than the price indicated.<\/p>When you enter a sell order, if this parameter is filled, the order only goes to execution if the price of the last trade is equal to or higher than the price indicated.<\/p>The stop price must be lower than the last trade price when the buy order is being entered. In a sell order the price of the last trade must be higher than the stop price.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-317"},{"id":318,"idCategoria":62,"pergunta":"What is the minimum quantity?<\/p>","resposta":"When this parameter is filled, the order only goes into execution if the minimum quantity is realised immediately. It must always be less than or equal to the quantity.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-318"},{"id":319,"idCategoria":62,"pergunta":"What is the apparent quantity?<\/p>","resposta":"The apparent quantity is the portion of the order that is not visible in the order books. It should always be less than or equal to the quantity.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-319"},{"id":324,"idCategoria":62,"pergunta":"Can Banco Carregosa give me buying and selling advice?<\/p>","resposta":"Banco Carregosa will try to place on the website all the relevant information for determining the value of each security, as well as the proportions of each asset in an efficient portfolio according to certain criteria, but cannot advise the client on what they should buy or sell. The client may, however, request the management of their account.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-324"},{"id":327,"idCategoria":62,"pergunta":"Does the transaction and holding of positions in derivatives require monitoring?<\/p>","resposta":"The trading of margin products requires the constant monitoring of the respective positions. These instruments have a high risk factor if not properly managed. Gains can quickly turn into losses as a result of rapid price changes. Therefore, trading OTC financial assets and\/or margin assets requires knowledge and good judgement.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-327"},{"id":328,"idCategoria":62,"pergunta":"What are the limits on the use of margin?<\/p>","resposta":"Opening and maintaining positions in derivative instruments (e.g. CFDs, FX and Futures) requires the investor to maintain margins which are listed in the \"Trading Conditions\" of the GoBulling Pro platform. If the funds\/assets in the account fall below these margins, the account will be subject to a margin call in order to deposit\/transfer funds and\/or partially\/fully close positions held to cover said margins.<\/p>If the margin situation remains unchanged the system may compulsorily close all positions held in derivatives (it will not be partial) by following the sequence below:<\/p>1. At 50% you will not be able to open more positions that will encumber the margin.<\/p>2. At 75% a margin call will be sent.<\/p>3. At 90% a new margin call will be sent.<\/p>4. When close to 100%, the system informs you that margin positions will be closed.<\/p>These warning and closing messages will depend on normal market conditions and the preceding sequence may be quick if conditions are volatile, less liquid, or a combination of the two.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-328"},{"id":330,"idCategoria":62,"pergunta":"Can I lose more than the deposit\/capital invested in a derivative transaction?<\/p>","resposta":"The trading of leveraged margin products (such as Futures Contracts, Options, CFDs, Forex and similar financial assets) may imply magnified potential and actual results. Due to the risk associated with these instruments, especially in abnormal market conditions (such as events affecting the normal development of the issuers activities), the loss is likely to be greater than the capital invested and, therefore, you should always monitor your positions and margin usage.<\/p>If the margin situation remains unchanged the system may compulsorily close all positions held in derivatives (it will not be partial) by following the sequence below:<\/p>1. At 50% you will not be able to open more positions that will encumber the margin.<\/p>2. At 75% a margin call will be sent.<\/p>3. At 90% a new margin call will be sent.<\/p>4. When close to 100%, the system informs you that margin positions will be closed.<\/p>These warning and closing messages will depend on normal market conditions and the preceding sequence may be quick if conditions are volatile, less liquid, or a combination of the two.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-330"},{"id":363,"idCategoria":62,"pergunta":"How is the French Financial Transactions Tax (FTT) levied?<\/p>","resposta":"Since 1 August 2012 the purchase of shares in French companies has been subject to the payment of the \"French Financial Transactions Tax\" (FTT).<\/p>This tax is levied on the purchase of shares and similar operations of companies based in France, listed on any regulated European market, whose market capitalisation is more than one billion euros. The tax rate to be applied is 0.3% on the amount of the operation.<\/p>In accordance with the legislation, the \"Financial Transaction Tax\" (FTT) applies only to daily net purchases, i.e. if a client purchases 100 shares and on the same day sells 25 shares, they will only have to pay tax on 75 shares. The sale is not subject to tax.<\/p>Please see the following specific case:<\/p>01.01.2017 :: Purchase 100 shares of a French Company @£34<\/strong><\/p>Gross Value::<\/strong> 100 x 34 = EUR 3,400.00<\/p>FTT::<\/strong> 3,400.00 x 0.3% = EUR 10.20<\/p>Net Value::<\/strong> EUR 3,410.20<\/p>01.01.2017 :: Sale of 25 shares in a French Company @£34<\/strong><\/p>Gross Value::<\/strong> 25 x 34 = 850.00<\/p>FTT::<\/strong> 0<\/p>Net Value:: <\/strong>EUR 850.00<\/p>The following calculation will be made at the end of the day 01.01.2017 :<\/strong><\/p>Customer Net Purchase::<\/strong> (100-25) shares<\/p>FTT charged::<\/strong> 100 x 34 x 0.3% = EUR 10.20<\/p>FTT Due::<\/strong> 75 x 34 x 0.3% = EUR 7.65<\/p>Amount to be Credited on the DO::<\/strong> 10.20 - 7.65 = 2.55<\/p>To pur it simply: Sales Quantity \/ Purchase Quantity x Tax Paid<\/strong><\/p> <\/p>Banco Carregosa is the only financial intermediary in Portugal that offers \"Zero Brokerage Commission\" to clients who invest in the French Market through the online channel (online and GoBulling Pro).<\/p>Furthermore, and because we know how complex it can be to manage several accounts at the same time and to trade several daily trades (day trading) GoBulling has decided to save you the trouble.<\/p>Whichever account you use, GoBulling does the calculations.<\/strong><\/p>Since the new tax only applies to daily net purchases (purchases minus sales), GoBulling will do the calculations, consolidating the transactions within the same account on a daily basis to calculate the net tax due. This facility allows you to buy shares through one sub-account and sell shares held in another sub-account and GoBulling will cross check both to determine the net purchases on which tax is payable.<\/p>Thus, regardless of the sub-account associated with the purchase and sale of securities (Web, GoBulling Pro, GoBulling Premium, Asset Management), GoBulling calculates the net amounts and will credit the demand deposit sub-account for the tax \"credited\" by sale transactions carried out on the same day, on the same share.<\/p><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/legiarti000037989952\/\">For more information on the Financial Transaction Tax (FTT), click here.<\/a><\/p><a href=\"https:\/\/bofip.impots.gouv.fr\/bofip\/9789-PGP.html\/identifiant=BOI-ANNX-000467-2021122\">The list of French shares subject to tax is available here.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-13","perguntaIdentifier":"faqSection-13_faqQuestion-363"}],"GoBulling Pro":[{"id":473,"idCategoria":69,"pergunta":"How do I join GoBulling Pro?<\/p>","resposta":"p>To join GoBulling Pro you must log in to the website and go to the menu Settings <\/span>> Platforms<\/span>. In order to start trading on this channel, you must inform <a href=\"https:\/\/www.bancocarregosa.com\/pt\/contactos\/\">Customer Service<\/span><\/a> the balance you wish to allocate to your GoBulling Pro account. Then, you will be able to top up your account via <a href=\"https:\/\/my.bancocarregosa.com\/login\">homebanking <\/a>any time you wish. <\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-473"},{"id":474,"idCategoria":69,"pergunta":"How do I install GoBulling Pro?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/plataformas-negociacao-gobulling\/acessos-a-plataforma-gobulling\/\">To install the GoBulling Pro trading platform you can download it here.<\/a><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-474"},{"id":475,"idCategoria":69,"pergunta":"Which operating systems does GoBulling Pro run on?<\/p>","resposta":"GoBulling Pro offers two trading options: the GoBulling Pro platform and GoBulling Pro Go. GoBulling Pro requires software that can be installed on Windows or Mac. GoBulling Pro Go offers a fully integrated solution on all devices (PCs, Macs, Tablets and Smartphones). You will find more information about these two forms of access, as well as links to install GoBulling Pro and access GoBulling Pro Go (browser and App) on the GoBulling Pro page.<\/p>For more information see the <a onclick=\"\" href=\"https:\/\/www.bancocarregosa.com\/pt\/insights\/academia\/#cb-component--1630396014061907\" target=\"_self\">GoBulling Pro manual<\/a>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-475"},{"id":476,"idCategoria":69,"pergunta":"What is the difference between GoBulling Pro and GoBulling Pro Go?<\/p>","resposta":"GoBulling Pro works through download and installation. GoBulling Pro Go is accessible via browser and App. <a href=\"https:\/\/www.bancocarregosa.com\/pt\/insights\/academia\/#cb-component--1630396014061907\">To learn more about the navigation differences between the two platforms, please refer to their respective manuals.<\/a><\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-476"},{"id":477,"idCategoria":69,"pergunta":"When trading stocks on GoBulling Pro, are all the trading rules of the respective exchanges checked?<\/p>","resposta":"All buy and sell orders for Euronext markets placed through the GoBulling Pro platform (which results from the partnership with Saxo Bank) are redirected to other financial intermediaries which, under the MiFID, use \"Best Execution\" policies.<\/p>Due to the need to adapt to the various execution policies of the international financial intermediaries that used by the GoBulling Pro platform, the orders received, regardless of their validity period, are placed on the respective markets for one day only, and are renewed daily and automatically until their validity period has expired or they are executed or cancelled.<\/p>Thus:<\/p>1. The principle of \"price-time priority\" for orders that are carried over to subsequent sessions is not valid.<\/p>2. On the four Euronext exchanges, trading-at-last is not possible, which lasts from 4.35 p.m. to 4.40 p.m.<\/p>3. In the real time disclosure of quotes there is no disclosure of the opening, closing and auction theoretical price, although orders introduced are executed if they are compatible with the prices undertaken.<\/p>For those who do not wish to use the aforementioned features, Banco Carregosa has other alternative ways of operating. <a href=\"https:\/\/www.bancocarregosa.com\/pt\/contactos\/\">For more information please contact Investor Relations.<\/span><\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-477"},{"id":478,"idCategoria":69,"pergunta":"What are GoBulling Pros prices and trading conditions?<\/p>","resposta":"Check the <a href=\"https:\/\/www.bancocarregosa.com\/en\/precario\/\">price list<\/span><\/a> and <a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-34\/condicoes-particulares-gobulling-pro-en.pdf\" rel=\"noopener\" target=\"_blank\">trading conditions on GoBulling Pro.<\/span><\/a><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-478"},{"id":479,"idCategoria":69,"pergunta":"How can I test\/experience trading on GoBulling Pro?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/plataformas-negociacao-gobulling\/acessos-a-plataforma-gobulling\/\">GoBulling Pro offers a simulation account, available for 60 days with 100,000 virtual euros. Request access to a demo account.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-479"},{"id":480,"idCategoria":69,"pergunta":"Why trade with GoBulling Pro?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/plataformas-negociacao-gobulling\/acessos-a-plataforma-gobulling\/\">GoBulling Pro gives you access to a multitude of markets and instruments. Furthermore, you can take advantage of Zero Brokerage Fees for Equities, ETFs and Warrants on all 4 Euronext markets (Lisbon, Paris, Brussels and Amsterdam), as well as an Investor Relations service available from 8 a.m.-9 p.m. through the platforms chat room or contacts available here.<\/a><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-480"},{"id":481,"idCategoria":69,"pergunta":"Which products can be traded on GoBulling Pro?<\/p>","resposta":"You can trade in stocks, bonds, Forex, Forex Options, CFDs, Futures, Stock Options, ETFs and ETCs, and Options Contracts.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-481"},{"id":482,"idCategoria":69,"pergunta":"In which markets can I trade on GoBulling Pro?<\/p>","resposta":"GoBulling Pro gives you access to the following markets: Euronext (Lisbon, Paris, Brussels and Amsterdam), AMEX, NASDAQ, NYSE, Frankfurt Stock Exchange, Milano Stock Exchange, Sistema de Interconexion Bursatil Espa\u00f1ol, London Stock Exchange, Swiss Exchange, Wiener Borse, Helsinki Stock, Oslo Stock Exchange, Australian Stock Exchange, Athens Exchange, Prague Stock Exchange.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-482"},{"id":483,"idCategoria":69,"pergunta":"What CFDs on indices are available?<\/p>","resposta":"CFDs on Indices available:<\/p>S&P 500 Index<\/p>NASDAQ 100 Stock Index<\/p>Dow Jones Industrial Average Index<\/p>FTSE 100 Index<\/p>DAX 30 Performance Index<\/p>CAC 40 Index<\/p>Dow Jones Euro STOXX 50 Index<\/p>Swiss Market Index<\/p>ASX S&P 200 Index<\/p>Nikkei 225 Index<\/p>SWE 30 Index<\/p>IBEX 35 Index<\/p>AEX Index<\/p>S&P \/ MIB Index<\/p>MDAX Index<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-483"},{"id":484,"idCategoria":69,"pergunta":"What are the trading hours for CFDs?<\/p>","resposta":"<table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"5\"><tbody><tr bgcolor=\"#222222\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Index-tracking CFD Contract details<\/span><\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\"><\/span><\/p><\/td><\/tr><tr bgcolor=\"#6B6B6B\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Index Tracker<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">Hor\u00e1rio de Negocia\u00e7\u00e3o (1)<\/span><\/p><\/td><\/tr><tr><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">North America<\/span><\/p><\/td><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\"><\/td><\/tr><tr><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">US Tech 100 NAS<\/span><\/p><\/td><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">18:01 - 16:00<\/span><\/p><\/td><\/tr><tr><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">US 30 Wall Street<\/span><\/p><\/td><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">18:01 - 16:00<\/span><\/p><\/td><\/tr><tr><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">US 500<\/span><\/p><\/td><td style=\"height: 5px; vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">18:01 - 16:00<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Europe \/ Middle East \/ Africa<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Belgium 20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">09:10 - 17:25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Denmark 20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:10 - 16:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">EU Stocks 50<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:01 - 21:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">France 40<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">08:01 - 21:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Germany 30<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:01 - 21:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Germany Mid-Cap 50<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:10 - 17:25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Germany Tech 30<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">09:10 - 17:25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Italy 40<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:01 - 17:30<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Netherlands 25<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:01 - 21:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Norway 25<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:10 - 16:15<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Portugal 20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:10 - 16:25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">South Africa 40<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">08:31 - 17:25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Spain 35<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:01 - 19:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Sweden 30<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:01 - 17:24<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Switzerland 20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:01 - 21:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">UK 100<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">01:01 - 20.55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\" 19%\">UK Mid 250<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\" 8%\">08:10 - 16.25<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Asia \/ Pacific (2)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\" 19%\">Australia 200<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\" 8%\">09:51 - 06:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Hong Kong<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:16 - 23:40<\/span><\/p><\/td><\/tr><tr><td style=\"vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"19%\">Japan 225<\/span><\/p><\/td><td style=\"vertical-align: bottom; white-space: nowrap; letter-spacing: 0px; word-spacing: 0px;\" valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:31 - 05:40<\/span><\/p><\/td><\/tr><\/tbody><\/table>(1) Hor\u00e1rios de negocia\u00e7\u00e3o referem-se \u00e0 bolsa do respetivo subjacente.<\/span><\/p><table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"5\"><tbody><tr bgcolor=\"#222222\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Index-tracking CFD Contract details (expiring)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\"><\/span><\/p><\/td><\/tr><tr bgcolor=\"#6B6B6B\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Index Tracker Name<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">Hor\u00e1rio de Negocia\u00e7\u00e3o (1)<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"13%\">US2000<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">20:01 - 16:00<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">China 50<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">09:01 - 01:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"13%\">India 50<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">09:01 - 01:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Singapore<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"8%\">08:31 - 01:55<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"13%\">Taiwan<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" bgcolor=\"#F7F7F7\" width=\"8%\">08:46 - 01:55<\/span><\/p><\/td><\/tr><\/tbody><\/table>(1) Hor\u00e1rios de negocia\u00e7\u00e3o referem-se \u00e0 bolsa do respetivo subjacente.<\/span><\/p><table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"5\"><tbody><tr bgcolor=\"#222222\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Commodity CFD spreads Contract Details<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#6B6B6B\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Nome Instrumento<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">S\u00edmbolo<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">Hor\u00e1rio Negocia\u00e7\u00e3o (1)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">Expiry date<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">METALS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Gold<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">GOLD<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Silver<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">SILVER<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Platinum<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">PLATINUM<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:02-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Palladium<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">PALLADIUM<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">US Copper<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">COPPERUS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">ENERGY<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">US Crude<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">OILUS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">UK Crude<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">OILUK<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">01:01-22:55<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Heating Oil<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">HEATINGOIL<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01 - 17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Gasoline US<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">GASOLINEUS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01 \u2013 17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Gas Oil<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">GASOILUK<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01 - 17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">US Natural Gas<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">NATGASUS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">18:01 \u2013 17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">CO2 Emissions<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">EMISSIONS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">07:01 \u2013 17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">AGRICULTURE<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Corn<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">CORN<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">19:01 \u2013 13:20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Wheat<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">WHEAT<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">19:01 \u2013 13:20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Soybeans<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">SOYBEANS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">19:01 \u2013 13:20<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">SOFTS<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">NY Sugar No. 11<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">SUGARNY<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">03:31 \u2013 13:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">LTD -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">NY Coffee<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">COFFEENY<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">04:16 \u2013 13:30<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">NY Cocoa<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">COCOANY<\/span><\/p><\/td><td style=\"text-align: center;\" valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">04:46 \u2013 13:30<\/span><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">MEATS<\/span><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">Live Cattle<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">LIVECATTLE<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">08:31 \u2013 13:05<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">FND -2<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">FND = First Notice <\/em>(Primeiro Aviso)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"13%\">LTD = Last Trading<\/span> (\u00daltima Negocia\u00e7\u00e3o)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><\/tbody><\/table>(1) Hor\u00e1rios de negocia\u00e7\u00e3o referem-se \u00e0 bolsa do respetivo subjacente.<\/span> (2) Hor\u00e1rio de negocia\u00e7\u00e3o \u00e0 sexta-feira é de 01:01 to<\/span> 22:00.<\/span><\/p><table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"5\"><tbody><tr bgcolor=\"#222222\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Forex CFD spreads Contract details <\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr bgcolor=\"#6B6B6B\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Nome Instrumento<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">S\u00edmbolo<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">Hor\u00e1rio Negocia\u00e7\u00e3o (1)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">Expiry<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">Expiry Time<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Euro \/ US Dollar<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">EURUSDEC<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Euro \/ Japanese Yen<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">EURJPYRY<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Euro \/ Swiss Franc<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">EURCHFRF<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Euro \/ British Pound<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">EURGBPRP<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">British Pound \/ US Dollar<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">GBPUSDBP<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">Australian Dollar \/ US Dollar<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">AUDUSDAD<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">17:00-16:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">FND -3<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">10:00 CST<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">USD Index<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">USDINDEX<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\">20:00-17:00<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\">LTD -2<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">11:00 EST<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"19%\">FND =First Notice <\/em><\/span>(Primeiro Aviso); LTD = Last Trading <\/em><\/span>(\u00daltima Negocia\u00e7\u00e3o)<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"10%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"4%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><\/tbody><\/table>(1) Hor\u00e1rios de negocia\u00e7\u00e3o referem-se \u00e0 bolsa do respetivo subjacente.<\/span><\/p><table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"5\"><tbody><tr bgcolor=\"#222222\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">Bond CFD spreads Contract details <\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/span><\/p><\/td><\/tr><tr bgcolor=\"#6B6B6B\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">Nome Instrumento<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">S\u00edmbolo<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">Hor\u00e1rio Negocia\u00e7\u00e3o (1)<\/span><\/p><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">German Government<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">BUND<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">08:01-21:55<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">10 year Bund<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">German Government<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">BOBL<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">08:01-21:55<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">5 year Bobl<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">German Government<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">SCHATZ<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">08:01-21:55<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">2 year Schatz<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">Italian Government<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">10YBTP<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">08:01-18:55<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">10 year BTP<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><tr><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">French Government<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\">10YOAT<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\">08:01-18:55<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td valign=\"bottom\" nowrap=\"nowrap\" width=\"17%\">10 year OAT<\/span><\/p><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"12%\"><\/td><td valign=\"bottom\" nowrap=\"nowrap\" width=\"7%\"><\/td><\/tr><\/tbody><\/table>(1) Hor\u00e1rios de negocia\u00e7\u00e3o referem-se \u00e0 bolsa do respetivo subjacente.<\/span><\/p>(2) Hong-Kong efetua pausa entre as 12:00-13:00; e o Jap\u00e3o entre as 15:25 e 16:15.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-484"},{"id":485,"idCategoria":69,"pergunta":"Which currency pairs are available to trade on GoBulling Pro?<\/p>","resposta":"You can trade the following 180 currency pairs via the GoBulling Pro trading platform:<\/p><ul style=\"\" caret-color:\"=\"\" #666666;=\"\" color:=\"\" font-family:=\"\" arial,=\"\" helvetica,=\"\" verdana;=\"\" font-size:=\"\" 12.000000953674316px;=\"\" orphans:=\"\" 2;=\"\" widows:=\"\" 2;\"=\"\"><li>EUR-USD <\/span><\/li><li>EUR-GBP <\/span><\/li><li>EUR-JPY <\/span><\/li><li>GBP-USD <\/span><\/li><li>GBP-JPY <\/span><\/li><li>USD-CHF <\/span><\/li><li>USD-JPY <\/span><\/li><li>XAU-USD <\/span><\/li><li>XAG-USD<\/span><\/li><\/ul>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-485"},{"id":486,"idCategoria":69,"pergunta":"What are the Forex trading hours?<\/p>","resposta":"<table style=\"width: 589px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"1\"><tbody><tr bgcolor=\"#222222\"><td width=\"356\">Instrumento<\/span><\/p><\/td><td width=\"234\">Hor\u00e1rio Negocia\u00e7\u00e3o<\/span><\/p><\/td><\/tr><tr><td width=\"356\">RON<\/span><\/p><\/td><td width=\"234\">08:15 - 17:00 CET<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td width=\"356\">ILS<\/span><\/p><\/td><td width=\"234\">07:00 - 17:00 CET<\/span><\/p><\/td><\/tr><tr><td width=\"356\">SAR, AED<\/span><\/p><\/td><td width=\"234\">07:00 - 15:00 CET<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td width=\"356\">HRK<\/span><\/p><\/td><td width=\"234\">07:00 - 15:00 GMT<\/span><\/p><\/td><\/tr><tr><td width=\"356\">RUB<\/span><\/p><\/td><td width=\"234\">07:00 GMT - 19:00 GMT*<\/span><\/p><\/td><\/tr><tr bgcolor=\"#F7F7F7\"><td width=\"356\">Precious metals<\/span> (XAU, XAG, XPD, XPT**)<\/span><\/p><\/td><td width=\"234\">18:00 - 17:00 EST<\/span><\/p><\/td><\/tr><\/tbody><\/table> * When liquidity is more restricted in the market the trading hours may be further reduced on a daily basis.<\/span> ** Dates and times for metals may change if there are national holidays and to reflect the times of the derivatives exchanges of the respective underlying.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-486"},{"id":614,"idCategoria":69,"pergunta":"Can I trade in Crypto on any platform?<\/p>","resposta":"You can trade Crypto Fx through the GoBulling Pro platform or GoBulling Pro GO (mobile and browser version).<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-614"},{"id":615,"idCategoria":69,"pergunta":"What do I need to start trading in Crypto Fx?<\/p>","resposta":"All clients who are qualified to trade Forex will have access to Crypto Fx pairs. If you cannot find Crypto Fx, please contact your account manager to check if you are suitable for Forex trading.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-615"},{"id":616,"idCategoria":69,"pergunta":"What are the trading hours for Crypto Fx?<\/p>","resposta":"<\/p><\/p>The trading hours for the Crypto FX currency pairs follow the trading hours of the Cryptocurrency Futures offered by the CME exchange.<\/p><\/p> <\/p><\/p><\/p><\/p>The trading hours for BTCUSD, BTCEUR, BTCJPY, ETHUSD, ETHEUR and ETHJPY are:<\/p><\/p><\/p><\/p><\/p>Monday 17:00 - 15:55 CT (18:00-16:55 EST)<\/p><\/p><\/p><\/p><\/p>Tuesday 17:00 - 15:55 CT (18:00-16:55 EST)<\/p><\/p><\/p><\/p><\/p>Wednesday 17:00 - 15:55 CT (18:00-16:55 EST)<\/p><\/p><\/p><\/p><\/p>Thursday 17:00 - 15:55 CT (18:00-16:55 EST)<\/p><\/p><\/p><\/p><\/p>Friday 17:00 - 15:55 CT (18:00-16:55 EST)<\/p> <\/p><\/p><\/p><\/p>Please note that the underlying cryptocurrency market remains open on weekends and any Crypto FX exposure must be managed and adjusted before the close of the FX trading session on Friday evening.<\/p><\/p><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-616"},{"id":617,"idCategoria":69,"pergunta":"Is fractional trading supported in Crypto Fx?<\/p>","resposta":"Crypto Fx pairs allow fractional trading, i.e. it is possible to trade in tranches of cryptos.<\/p>This allows you to trade in fractions avoiding having to trade the corresponding value of a crypto, potentially lowering the investment value compared to buying the cryptocurrency.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-617"},{"id":618,"idCategoria":69,"pergunta":"What is the minimum investment amount?<\/p>","resposta":"The minimum investment for Crypto Fx pairs varies depending on the pair you are trading:<\/p>If you are trading Bitcoin pairs, the minimum investment is 0.01BTC;<\/p>If you are trading Ethereum pairs, the minimum investment is 0.1ETH;<\/p>If you are trading Litecoin pairs, the minimum investment is 1LTC.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-618"},{"id":619,"idCategoria":69,"pergunta":"What are the costs?<\/p>","resposta":"The costs are available on the trading platform as well as in the <a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-1\/precario-de-produtos-financeiros-en.pdf\/\" rel=\"noopener\" target=\"_blank\">Financial Instruments Price List<\/a> that the Bank makes available to clients.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-619"},{"id":620,"idCategoria":69,"pergunta":"What are the exposure limits for Crypto fX?<\/p>","resposta":"The exposure limit will be US$50,000 per coin for retail clients and US$200,000 for professional investors, for all Crypto Fx pairs.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-620"},{"id":621,"idCategoria":69,"pergunta":"Can I short-sell Crypto Fx?<\/p>","resposta":"You can short-sell all Crypto Fx pairs, which allows you to take short positions when you believe the asset is undervalued.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-621"},{"id":622,"idCategoria":69,"pergunta":"Do I need a crypto wallet to trade Crypto Fx with Banco Carregosa?<\/p>","resposta":"There is no need to have a crypto wallet as you are not buying the underlying currency. You are getting exposure to a currency pair that includes the cryptocurrency. For example, if you buy the BTCEUR pair, you believe that the relationship between Bitcoin and the Euro will be favourable to Bitcoin.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-622"},{"id":623,"idCategoria":69,"pergunta":"Can I trade Crypto Fx with leverage?<\/p>","resposta":"All Crypto Fx pairs are leveraged which allows you to open positions that have a higher market exposure than the amount you are investing. You should note that leverage allows you to ramp up gains but also losses.<\/p>You can check the required margins on the GoBulling Pro platform.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-623"},{"id":624,"idCategoria":69,"pergunta":"How is settlement of the gain or loss on each position carried out?<\/p>","resposta":"The settlement of positions will always be made in the second currency of the cryptocurrency pair, i.e. the fiat currency (e.g. USD, EUR or JPY), and converted to the accounts base currency.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-624"},{"id":625,"idCategoria":69,"pergunta":"What are the margin requirements?<\/p>","resposta":"Margins vary by pair and may change according to market conditions (e.g. when volatility is expected to change).<\/p>You can consult the applicable margin in the trading platform.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-625"},{"id":626,"idCategoria":69,"pergunta":"How is Crypto Fx executed?<\/p>","resposta":"Crypto Fx trading is done by tracking the CME CF Bitcoin and Ether Real-Time Index. These indices are benchmarks registered with the European Benchmarks Regulation (EU BMR). You can find more information <a href=\"https:\/\/docs-cfbenchmarks.s3.amazonaws.com\/cme+cf+real+time+indices+methodology.pdf\/\">here<\/a> and <a href=\"https:\/\/www.cfbenchmarks.com\/indices\/brti\/\">here<\/a>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-626"},{"id":627,"idCategoria":69,"pergunta":"Can I deposit\/withdraw cryptocurrencies from my account?<\/p>","resposta":"Banco Carregosa does not receive cryptocurrencies nor does it allow the acquisition or transfer of cryptocurrencies.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-627"},{"id":628,"idCategoria":69,"pergunta":"Crypto Fx Rollover<\/p>","resposta":"As with Spot Forex positions, Crypto Fx positions have no physical settlement. When the position remains open at the end of each session, it is carried over to the next day and an adjustment is made to the position opening price (rollover).<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-628"},{"id":629,"idCategoria":69,"pergunta":"What are crypto-assets?<\/p>","resposta":"<a href=\"https:\/\/www.cmvm.pt\/pt\/AreadoInvestidor\/fintech\/Pages\/atividadades-fintech.aspx\">Crypto-assets are digital representations of assets based on blockchain technology, which are not issued by a central bank, credit institution or e-money institution and can be used as a form of payment in an accepting community or have other purposes such as conferring the right to use certain goods and services or to a financial return.<\/a><\/span><\/p>For this purpose, the term \"crypto-assets\" encompasses the nomenclatures commonly associated with it, such as tokens, coins, cryptocurrencies or virtual currencies.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-629"},{"id":630,"idCategoria":69,"pergunta":"What is an Initial Coin Offering (ICO)?<\/p>","resposta":"The acronym ICO is used to refer an initial distribution offering of crypto-assets. An ICO is a way of borrowing from the public through crypto-assets using blockchain technology. In this operation, the issuer, either an individual or a legal entity, issues crypto-assets that are paid in legal tender coins or other crypto-assets.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-630"},{"id":631,"idCategoria":69,"pergunta":"What are the risks of crypto-assets?<\/p>","resposta":"The risks of crypto-assets are, among others, the following:<\/p>Liquidity risk:<\/strong> investors may not be able to sell the crypto-assets they have purchased<\/p>Risk of partial or total loss of the amounts invested: <\/strong>the capital invested is not guaranteed, and the risks associated with the investment may not be referred to in the documentation published by the issuer of the crypto-asset.<\/p>Risk of insufficient information being made available:<\/strong> the information made available to investors may be omitted, inaccurate, incomplete and unclear, requiring persons intending to acquire them to have a high level of technical knowledge in order to be able to understand the characteristics of crypto-assets.<\/p>Fraud risk: <\/strong>there is an asymmetry between the information available to the issuer of the crypto-assets and the investor, and the inherent complexity of crypto-assets hampers investors ability to understand their purpose.<\/p>Lack of specific regulation for the protection of investors in crypto-assets other than securities:<\/strong> It is necessary to analyse each case to determine whether or not crypto-assets are covered by the regulation applicable to the securities market.<\/p>Most agents trading crypto-assets are not based in Portugal: <\/strong>dispute resolution may be outside the competence of national authorities, which may leave national investors unprotected. Risk in crypto-asset pricing: pricing is in many cases not transparent, so it may not correspond to the real market value of that crypto-asset.<\/p>Price formation risk for crypto-assets<\/strong>: price formation is in many cases not transparent, so it may not correspond to the real market value of that crypto-asset.<\/p>High volatility: <\/strong>the value of a crypto-asset is prone to sudden and wide price variations.<\/p>Money laundering risk:<\/strong> due to the anonymity associated with crypto-assets, the origin of the invested funds may be concealed.<\/p>Experimentation or innovation risk.<\/strong> Often, projects funded through ICOs are at an early, implementation or development stage or the business models are still experimental.<\/p>Risk of loss of access code to crypto-assets: <\/strong>The loss of the access code may make it impossible to definitively make any operations in the crypto-asset investment.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-631"},{"id":632,"idCategoria":69,"pergunta":"What precautions should an investor take before investing in crypto-assets?<\/p>","resposta":"If investors decide to purchase crypto-assets or financial instruments with direct exposure to crypto-assets, for example CFDs on crypto-assets, they should fully understand the characteristics and risks thereof. Investors should not invest amounts that they cannot afford to lose and should be aware that the purchase of crypto-assets assets, even if made from regulated entities in connection with other activities, does not mitigate the risks described above.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-632"},{"id":633,"idCategoria":69,"pergunta":"Under what circumstances are Initial Coin Offerings (ICOs) and crypto-activities subject to Portuguese law?<\/p>","resposta":"If an ICO is directed to investors residing in Portugal and the crypto-assets issued in the ICO are securities within the meaning of the Portuguese Securities Code, the relevant legislation at national and EU level regarding public offerings of securities will apply.<\/p>Crypto-assets qualifying as securities or financial instruments that have been issued or are being marketed in Portugal are subject to a number of rules.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-633"},{"id":634,"idCategoria":69,"pergunta":"Do all crypto-assets qualify as securities?<\/p>","resposta":"Not all crypto-assets are securities, as being classified as such requires a case-by-case analysis. In order to be considered a crypto-asset, several requirements set out in the law must be met cumulatively.<\/p>Source: CMVM<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-634"},{"id":487,"idCategoria":69,"pergunta":"How can I retrieve\/change my GoBulling Pro access password?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/contactos\/\">You can change the password via the platforms Settings menu. In case you dont remember it, please contact our Customer Service.<\/span><\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-487"},{"id":488,"idCategoria":69,"pergunta":"Are my transactions reflected in my Current Account?<\/p>","resposta":"The transactions made on the GoBulling Pro platform are reflected in the sub-account associated to this platform. Through homebanking you can consult your portfolio of instruments acquired on GoBulling Pro.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-488"},{"id":489,"idCategoria":69,"pergunta":"What orders are available on GoBulling Pro?<\/p>","resposta":"Opening orders<\/p>Opening orders<\/p>Shares<\/p>Futures<\/p>Options (Stock and Futures)<\/p>Market<\/p>Limit<\/p>If performed (Realise Gains - Limit)<\/p>If executed (Stop Loss)<\/p>If executed Trailing stop<\/p>(1) Stop and Trailing Stop orders in FX are triggered at the Bid or Ask price if it is a Buy or Sell order respectively.<\/p>*The acceptance of Stop Orders and their type (Stop, Stop Limit, Trailing Stop), may vary between financial instruments and the exchanges where they are traded or the respective underlying if in the case of OTC (Over The Counter) derivatives or also called \"OTC market\".<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-489"},{"id":490,"idCategoria":69,"pergunta":"Does GoBulling Pro provide real-time quotes?<\/p>","resposta":"Yes, by subscription. Tier 1 (first or best bid and offer) and Tier 2 (best bid and offer) quotes are available. The monthly charge can vary between Tier 1 and 2. Please check the price list here.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-490"},{"id":491,"idCategoria":69,"pergunta":"Can positions in derivatives that violate the margin be closed out?<\/p>","resposta":"Whenever there is an excess of margin use (use percentage equal to or greater than 100%), the platform automatically closes all positions in derivative instruments, this closure being dependent on the verification of normal liquidity and volatility conditions (stop-out mechanism). The GoBulling Pro platform normally operates on Sundays, opening for order placement and execution at 20:04 (GMT+1 in summer and GMT in winter time), with settlement processing due to margin violations usually starting at 22:00 (GMT+1 in summer and GMT in winter time). However, the stop-out mechanism does not constitute an account risk management tool and works at the Banks discretion. The investor should act in advance.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-491"},{"id":492,"idCategoria":69,"pergunta":"Can my access to derivative financial instruments be withdrawn?<\/p>","resposta":"Access to investment in certain financial derivative instruments may be restricted due to the investors failure to respond to or update the MiFID adequacy survey in a timely manner (accessible for completion and updating through homebanking in My Account > Personal Details > MiFID) or due to non-compliance with the access requirements to the platform on which they are traded (Settings > Platforms). Likewise, any supervening change to the contractual or pre-contractual conditions that the client should be aware of may imply the need for the investor to renew the subscription.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-492"},{"id":493,"idCategoria":69,"pergunta":"What is the method used in the allocation of the positions?<\/p>","resposta":"<a onclick=\"\" href=\"https:\/\/www.bancocarregosa.com\/pt\/insights\/academia\/#cb-component--1630396014061907\" target=\"_self\">The method used to allocate positions\/transactions is FIFO (<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-20","perguntaIdentifier":"faqSection-20_faqQuestion-493"}],"Investment Funds":[{"id":497,"idCategoria":71,"pergunta":"What are Investment Funds?<\/p>","resposta":"An Investment Fund (IF) is a collective financial instrument that results from the investments of several individual investors and is designed to invest in certain assets for a certain return.<\/p>Thus, each participant in an IF is the holder of shares (called IU, Investment Units) which represent each clients investment.<\/p>The Funds give investors access to diversified portfolios of financial assets (in the case of securities funds) or real estate assets (in the case of real estate funds) managed by professionals. IF management companies are supervised by Banco de Portugal and the Portuguese Securities Market Commission.<\/p><a href=\"https:\/\/www.cmvm.pt\/pt\/estatisticasestudosepublicacoes\/brochuras\/documents\/fundos%20de%20investimento.pdf\" rel=\"noopener\" target=\"_blank\">See the CMVMs Investment Funds Manual.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-497"},{"id":498,"idCategoria":71,"pergunta":"What is an Investment Unit (IU)?<\/p>","resposta":"Each Investment Fund is divided into small equal portions called Investment Units (IUs) which represent the investment of each participant in the IF. The value of the global portfolio of an IF is equal to the sum of all the shares (or IUs) held by each individual investor. By subscribing to IUs, the investor acquires ownership of a part of the IFs assets (of an amount corresponding to the investment).<\/span><\/p>The same Fund may have different types of unit, which differ according to Currency, Distribution Policy and Class.<\/span><\/p>Currency<\/span><\/p>Distribution Policy<\/span><\/p>Class<\/span><\/p>Accumulation<\/span><\/p>Distribution<\/span><\/p>Institutional<\/span><\/p>Retail<\/span><\/p>With regard to the Distribution Policy, the Funds may be either for the accumulation or distribution of the return obtained.<\/span><\/p>Typically, the Fund name may identify the type of IU: E2 EUR [Accumulation] and E5 EUR [Distribution].<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-498"},{"id":499,"idCategoria":71,"pergunta":"What is NAV (Net Asset Value)?<\/p>","resposta":"The NAV is the value of an Investment Unit, which is calculated once a day.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-499"},{"id":500,"idCategoria":71,"pergunta":"How do you calculate the investment unit value representing a Fund?<\/p>","resposta":"The unit value of investment units in the Fund is calculated daily by the Management Entity using the formula:<\/span><\/p>Unit Value<\/strong> = Net Asset Value of the Fund \/ No. of units in circulation<\/span><\/p>The Net Asset Value of the Fund is obtained by valuing all the assets that make up the portfolio as follows:<\/span><\/p>Listed assets are valued at the last available stock exchange quotation;<\/span><\/p>The interest on bonds and deposits is generally calculated up to the day corresponding to the valuation;<\/span><\/p>Assets denominated in foreign currencies are converted into the Funds reference currency.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-500"},{"id":501,"idCategoria":71,"pergunta":"Which indicators of a Funds performance should I consult?<\/p>","resposta":"The following profitability indicators can be consulted on the IF page:<\/span><\/p>Growth of 100 - Graph of growth of 100 (EUR) for the last 10 years. Comparison between Fund (red), category (orange) and benchmark (green);<\/span><\/p>Annual returns %<\/strong> - Comparative table between Fund, category and benchmark and indication of the Funds percentile each year;<\/span><\/p>Annualised % return<\/strong> - comparative table between IF, category and benchmark<\/span><\/p>Quarterly Return %<\/strong> - Comparative table between Fund, category and benchmark.<\/span><\/p>Morningstar Rating (relative to the category).<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-501"},{"id":502,"idCategoria":71,"pergunta":"What are the risk indicators of a Fund that I should consult?<\/p>","resposta":"On the <a onclick=\"\" \"\"=\"\" href=\"\" https:=\"\" www.bancocarregosa.com=\"\" en=\"\" solucoes-de-poupanca-e-investimento=\"\" fundos-de-investimento=\"\" pesquisador-morningstar=\"\" target=\"\" _self\"\"=\"\">IF page<\/a>, you can consult the following risk indicators:<\/span><\/p><ul><li>Morningstar Rating (relative to the category);<\/span><\/li><li>Standard Deviation;<\/span><\/li><li>Sharpe ratio - the Sharpe ratio is a measure of return-risk calculated on the basis of the data for the last 36 months by dividing the excess return obtained by the Fund (compared with a risk-free asset) by the standard deviation of that excess return. The higher the Sharpe ratio, the better the Funds performance over the analysed period. The Sharpe ratio therefore measures the excess return per unit of risk. Source: Morningstar<\/span><\/li><li>Sortino ratio - the Sortino ratio is a variation of the Sharpe ratio that considers the standard deviation of falls in the denominator (rather than the overall standard deviation). This disregards the \"positive volatility\" that emerges from periods of sharp gains.<\/span><\/li><\/ul>In the<a onclick=\"\" \"\"=\"\" href=\"\" https:=\"\" www.bancocarregosa.com=\"\" en=\"\" documento-informacoes-fundamentais=\"\" target=\"\" _self\"\"=\"\"> Key Investor Information Document (KIID)<\/a> you will also find the risk and reward profile.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-502"},{"id":503,"idCategoria":71,"pergunta":"What is KIID Risk?<\/p>","resposta":"The KIID risk indicator is used to classify Investment Funds into different risk categories. It is calculated in accordance with the standards published by the European Securities and Markets Authority (ESMA) and forms part of the \"<a onclick=\"\" \"\"=\"\" href=\"\" https:=\"\" www.bancocarregosa.com=\"\" pt=\"\" documento-informacoes-fundamentais=\"\" target=\"\" _self\"\"=\"\">Key Investor Information Document<\/a>. This indicator represents the historical volatility of the Fund\u2019s NAV on a scale of 1 to 7.<\/span><\/p>Funds with a low indicator tend to show smaller price fluctuations and therefore a lower probability of capital losses. Conversely, Funds classified with a higher risk tend to show sharper fluctuations and a higher risk of losses.<\/span><\/p>The KIID risk levels correspond to the following volatility ranges:<\/span><\/p><div align=\"\" center\"\"=\"\"><table border=\"\" 0\"\"=\"\" cellspacing=\"\" cellpadding=\"\"><tbody><tr valign=\"\" middle\"\"=\"\" bgcolor=\"\" #f7f7f7\"\"=\"\"><td style=\"\" height:\"=\"\" 30px;=\"\" vertical-align:=\"\" top;=\"\" letter-spacing:=\"\" 0px;=\"\" word-spacing:=\"\" 0px;\"=\"\" valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">KIID Risk<\/span><\/p><\/td><td style=\"\" height:\"=\"\" 30px;=\"\" vertical-align:=\"\" top;=\"\" letter-spacing:=\"\" 0px;=\"\" word-spacing:=\"\" 0px;\"=\"\" valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">Volatility range<\/strong><\/span><\/p><\/td><\/tr><tr><td style=\"\" vertical-align:\"=\"\" top;=\"\" letter-spacing:=\"\" 0px;=\"\" word-spacing:=\"\" 0px;\"=\"\" valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">1<\/span><\/p><\/td><td style=\"\" vertical-align:\"=\"\" top;=\"\" letter-spacing:=\"\" 0px;=\"\" word-spacing:=\"\" 0px;\"=\"\" valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">0% to <0.5%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">2<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=0.5% to <2.0%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">3<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=2.0% to <5.0%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">4<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=5.0% to <10.0%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">5<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=10.0% to <15.0%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">6<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=15.0% to <25.0%<\/span><\/p><\/td><\/tr><tr><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">7<\/span><\/p><\/td><td valign=\"\" top\"\"=\"\" width=\"\" 196\"\"=\"\">=25.0%<\/span><\/p><\/td><\/tr><\/tbody><\/table><\/div><div> <\/div>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-503"},{"id":504,"idCategoria":71,"pergunta":"How is KIID Risk calculated?<\/p>","resposta":"The volatility of each Investment Fund is calculated on the basis of the weekly returns observed over the previous 5 years. Where the Fund does not have sufficient track record to calculate the indicator, the returns of a \"model portfolio\" representative of the Funds objective or other methodologies clearly stipulated by European regulators are used as a basis. The calculation takes into account the distribution of dividends by the Funds, where applicable. The indicator does not differentiate between positive or negative fluctuations, but only measures the general tendency of the Funds NAV to fluctuate.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-504"},{"id":505,"idCategoria":71,"pergunta":"How do I subscribe to an Investment Fund?<\/p>","resposta":"You can subscribe to an Investment Fund through homebanking, accessing the menu Savings and Investment > Investment Funds. You can enter the Fund of your choice and consult the available information - Risk, Return, Rating, Sectorial Exposure and Fund Composition. Alternatively, you can also consult the Investment Funds Search and use the filters available .<\/span><\/p>As a general rule, orders should be entered in an amount in the Funds quotation currency.<\/span><\/p>Most Funds have a minimum subscription amount. This amount can be found in the IF Prospectus.<\/span><\/p>Once the order is placed, the subscription order is made with an open quotation. Therefore, investors will only know the value at which the Fund has been subscribed on one of the business days following the order.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-505"},{"id":506,"idCategoria":71,"pergunta":"Where can I consult the subscription order?<\/p>","resposta":"The order can be introduced via homebanking in the menu My Transactions > Order Management. As soon as it is executed, you will be able to see the Fund in your Portfolio.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-506"},{"id":507,"idCategoria":71,"pergunta":"Can I subscribe to a Fund in a currency I do not have?<\/p>","resposta":"When a Fund is subscribed online in a currency that the customer does not have available, homebanking asks if you want to make the exchange automatically.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-507"},{"id":508,"idCategoria":71,"pergunta":"How do I redeem an Investment Fund?<\/p>","resposta":"In the menu My Portfolio > Portfolio you can check the instruments that form your portfolio. If you want to redeem a Fund you can open the Product Fact Sheet and be redirected to the page where you will find the options \"Subscribe\" and \"Redeem\" on the top right corner.<\/span><\/p>Unlike the subscription, the redemption is made in IUs. You must state the number of IUs you wish to redeem. You can check the number of IUs in your portfolio on the \"Portfolio\" page and on the sidebar of the order entry page.<\/span><\/p>Investment funds typically have an extended settlement period so that if you wish to redeem a position held in your portfolio within the first few days after subscription, you may not be able to do so immediately.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-508"},{"id":509,"idCategoria":71,"pergunta":"Can I increase the amount of IUs I hold in a Fund?<\/p>","resposta":"Simply consult the positions in the portfolio, select the Fund you want to reinforce and click on \"Subscribe\u201d. The whole process follows the same principles as a first subscription.<\/span><\/p>As with the initial subscription, many Funds have an additional minimum subscription amount. This can be found in the Prospectus.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-509"},{"id":510,"idCategoria":71,"pergunta":"What are the advantages of the PROTESTE INVESTE\/Banco Carregosa Investment Funds Protocol and who can benefit from its conditions?<\/p>","resposta":"This protocol is intended for DECO members, subscribers of DECO PROTESTE or PROTESTE INVESTE publications.<\/span><\/p>This protocol offers clients special conditions for subscribing Investment Funds, awarding them a loyalty bonus that varies according to the subscribed publication \u2013 see the conditions here.<\/span><\/p>This bonus is converted into points that can be used to subscribe to more IUs.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-510"},{"id":511,"idCategoria":71,"pergunta":"How do I benefit from the advantages of the PROTESTE INVESTE\/Banco Carregosa Investment Funds Protocol?<\/p>","resposta":"To benefit from the Protocol, simply log in and fill out the form here (accessible through the menu Settings > IF PROTESTE INVESTE Protocol application). After submitting the form, your Account Manager will validate the Conditions and inform you as soon as you are able to collect the points relating to the Protocol.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-511"},{"id":512,"idCategoria":71,"pergunta":"How do I use the points awarded and which are the Funds under the PROTESTE INVESTE\/Banco Carregosa Investment Funds Protocol?<\/p>","resposta":"See the list of eligible Funds <a href=\"\" https:=\"\" my.bancocarregosa.com=\"\" bancocarregosa=\"\" pt=\"\" aminhaconta=\"\" pages=\"\" produtos=\"\" carteirasfundosinvestimentodeco.aspx\"\"=\"\" rel=\"\" noopener\"\"=\"\" target=\"\" _blank\"\"=\"\">here<\/span><\/a>.<\/span><\/p>By entering a subscription order on your homebanking into any Fund on that list, you will have the opportunity to use the points.<\/span><\/p>On the \"New Order\" screen, once you have selected an IF, the \"DECO Loyalty Reward\" will appear in the right column indicating the amount (in EUR) that you have available for use.<\/span><\/p>If you want to use the available points you must answer \"Yes\", after inserting the amount, and indicate in the field \"DECO Loyalty Reward (EUR)\" the value to be considered.<\/span><\/p>After subscription to a Fund and use of the loyalty reward, the following will appear on the statement of account movements: the initial subscription without considering the reward, the cancellation of that subscription, and the final subscription with use of the reward.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-512"},{"id":513,"idCategoria":71,"pergunta":"How are the Investment Funds present in the Selections chosen?<\/p>","resposta":"<a href=\"\" https:=\"\" www.bancocarregosa.com=\"\" pt=\"\" solucoes-de-poupanca-e-investimento=\"\" fundos-de-investimento=\"\" #cb-tab-header-item--1650473216408844492612\"\"=\"\">Click here to see the selection criteria<\/a>.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-513"},{"id":514,"idCategoria":71,"pergunta":"How do I subscribe to a Fund Selection?<\/p>","resposta":"To subscribe to a Fund Selection you must log in and access the relevant forms. After submitting the information requested in the form, your Account Manager will contact you and send you the documents you need for the subscription. You should refer to the \"Key Investor Information Document\" (KIID) of the Funds that form the Selection and which your Account Manager will have sent you via email.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-514"},{"id":515,"idCategoria":71,"pergunta":"What happens when Banco Carregosa updates a Selection of Investment Funds?<\/p>","resposta":"When a Selection is updated the Bank informs the clients who hold the respective Selection of the changes. You should then contact your Account Manager if you wish to replicate the updates.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-515"},{"id":516,"idCategoria":71,"pergunta":"Can I give individual orders to securities that form a Fund Selection?<\/p>","resposta":"When you subscribe to a Selection, a sub-account is created where you can consult the securities included in the Selection as well as their performance. However, you cannot enter orders individually in this sub-account.<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-516"},{"id":517,"idCategoria":71,"pergunta":"How can I redeem a Fund Selection?<\/p>","resposta":"To redeem a Selection you must login and submit the redemption form. As with the subscription process, your Account Manager will contact you to follow up on the request<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-517"},{"id":518,"idCategoria":71,"pergunta":"What is the Investment Funds Distribution Policy?<\/p>","resposta":"With regard to the Distribution Policy, the Funds may be either for accumulation or distribution of the return obtained.<\/span><\/p>Typically, the Fund name may identify the type of UP: E2 EUR [Accumulation] and E5 EUR [Distribution].<\/span><\/p>Holders of distribution IUs, as the name suggests, are paid a dividend periodically. In the accumulation class, this dividend is not distributed, but capitalised by the IF. Therefore, on the dividend payment date, the Net Asset Value (NAV) equivalent to the Funds IUs price of the distributing class will be adjusted to reflect this payment.<\/span><\/p>A priori, if the client reinvests the dividend at a rate equivalent to the return of the Fund, the return generated by the two classes of Ius should be identical. One should, however, consider the different tax treatment for dividends and capital gains(1) .<\/span><\/p>(1)Capital Gains: \"The annual positive balance between capital gains and capital losses resulting from the disposal is subject to IRS, at a special rate of 28% (or 22.4% if the taxpayer is a resident in the Azores), without prejudice of the resident taxpayer opting for its aggregation\".<\/span><\/p>Dividends: Income in respect of units in Foreign UCITS distributed or made available to the resident holder is subject to definitive withholding tax at the rate of 28% (or 22.4%, in the case of a taxpayer resident in the Azores Autonomous Region) at the time it is paid or made available.\"<\/span><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-24","perguntaIdentifier":"faqSection-24_faqQuestion-518"}],"DMIF II":[{"id":287,"idCategoria":61,"pergunta":"What is MiFID?<\/p>","resposta":"Directive 2014\/65\/EU, commonly referred to as the Markets in Financial Instruments Directive II (MiFID II) aims to strengthen investor protection, highlighting, among others, the following measures:<\/p><ul><li>Strengthening the powers conferred on supervisory authorities with regard to the marketing of financial instruments;<\/li><li>Mandatory registration and preservation of communications with customers in the negotiation of products;<\/li><li>Imposing more detailed suitability tests prior to the marketing of more complex products and services; and<\/li><li>Limitation of products considered as \"non-complex\u201d.<\/li><\/ul>MiFID II covers the states of the European Union, Iceland, Norway and Liechtenstein.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-287"},{"id":288,"idCategoria":61,"pergunta":"Where can I get more information on MiFID?<\/p>","resposta":"<a href=\"https:\/\/investidor.cmvm.pt\/PInvestidor\/Content?Input=C199FBF753E0981528FC1E251FB57450AE7AF257C2A196F4DCD9645D5B6EE127\" target=\"_blank\" rel=\"noopener\">You can consult the CMVM pages created for this purpose.<\/a><\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-288"},{"id":290,"idCategoria":61,"pergunta":"What do the investor ratings consist of?<\/p>","resposta":"There are three categories of investors: Eligible Counterparties, Qualified Professional Investors and Retail Investors. Each category is subject to a presumption of knowledge and experience necessary to make decisions on investments in financial instruments, namely of the implicit risks. For this reason, the law determines the degree of protection in relation to each type of investor, especially regarding the information provided and the analysis of the suitability of the operations or services in relation to the investor. Retail investors enjoy a higher degree of protection and eligible counterparties a lower degree of protection.<\/p>Eligible counterparties \u2013 <\/strong>The following fall into this category:<\/p><ul><li>Credit institutions;<\/span><\/li><li>Investment companies;<\/span><\/li><li>Insurance companies;<\/span><\/li><li>Collective investment institutions and their management companies;<\/span><\/li><li>Pension funds and their management companies;<\/span><\/li><li>Other authorised or regulated financial institutions, namely credit securitisation funds, their management companies and other financial companies envisaged by law, credit securitisation companies, venture capital companies, venture capital funds and their management companies;<\/span><\/li><li>Financial institutions of States that are not members of the European Union that carry out activities similar to those referred to in the previous paragraphs;<\/span><\/li><li>Entities trading in commodity financial instruments;<\/span><\/li><li>National governments, central banks and public bodies that manage public debt, supranational or international institutions such as the European Central Bank, the European Investment Bank, the International Monetary Fund and the World Bank.<\/span><\/li><\/ul>Professional investors <\/strong>- By default, the following fall into this category:<\/p><ul><li>Regional governments;<\/li><li>Legal persons whose size, according to their last individual accounts, meets two of the following criteria:<\/li><\/ul>a) equity of 2 million euros;<\/p>b) total assets of 20 million euros;<\/p>c) net turnover of 40 million euros.<\/p> <\/p>For the purposes of the activity of intermediation, persons providing investment services or performing investment activities consisting exclusively in dealing for their own account on forward or spot markets, in the latter case for the sole purpose of hedging positions on derivatives markets, or in dealing or participating in the formation of prices on behalf of other members of those markets, and which are guaranteed by a clearing member acting on those markets, when the responsibility for the execution of the contracts entered into is assumed by one of those members.<\/p>Retail investors \u2013<\/strong> includes all investors who do not fit into the criteria defined for the other categories.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-290"},{"id":291,"idCategoria":61,"pergunta":"Is it possible to obtain a different degree of protection\/treatment than the one assigned?<\/p>","resposta":"The retail client may request to be treated as a professional client. Satisfaction of such a request depends on a prior assessment of their knowledge and experience, which must meet at least two of the following requirements:<\/p>a) Have carried out operations of significant volume in the relevant market, with an average frequency of 10 operations per quarter, during the last four quarters;<\/p>b) have a portfolio of financial instruments, including also cash deposits, in excess of EUR 500,000;<\/p>c) They must work or have worked in the financial sector for at least one year in a position that requires knowledge of the services or operations in question.<\/p>In case the application is sent by a legal person, the requirements concerning knowledge and experience will be measured with respect to the respective person responsible for the investment decisions.<\/p>The Bank may, on its own initiative, treat any professional client as a retail client, and a professional client may also request to be treated as a retail client.<\/p>The Bank may also, on its own initiative or at the clients request, treat an eligible counterparty as a professional client or as a retail client.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-291"},{"id":292,"idCategoria":61,"pergunta":"What is the adequacy test?<\/p>","resposta":"For complex operations or services on financial market instruments, the Bank analyses their suitability to the clients profile.<\/p>In receiving and transmitting or executing orders, the Bank analyses knowledge and experience for complex financial instruments in which the client is classified as a retail investor.<\/p>Regarding portfolio management on behalf of a third party or investment advice activities, the Bank analyses, in addition to knowledge and experience of the services or financial instruments covered, information on the financial situation and objectives of the investment.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-292"},{"id":293,"idCategoria":61,"pergunta":"What are complex and non-complex financial instruments?<\/p>","resposta":"Simple term deposits:<\/strong> deposits with a fixed rate or in which the variable rate is indexed in a simple way to money market indices;<\/p>Structured (complex) term deposits:<\/strong> the remaining ones;<\/p>Non-complex shares:<\/strong> those admitted to trading on a regulated market or on an equivalent market or in a multilateral trading facility, with the exception of shares in collective investment undertakings that are not harmonised and shares that incorporate derivatives;<\/p>Complex bonds:<\/strong> the remaining ones;<\/p>Non-complex investment funds:<\/strong> units and shares in undertakings for collective investment in harmonised securities, excluding undertakings for collective investment in structured harmonised securities;<\/p>Complex investment funds:<\/strong> the remaining ones;<\/p>Non-complex money market instruments:<\/strong> those which do not incorporate derivatives or whose structure makes it difficult to understand the risks involved;<\/p>Complex money market instruments: <\/strong>the remaining ones.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-11","perguntaIdentifier":"faqSection-11_faqQuestion-293"}],"LEI":[{"id":525,"idCategoria":72,"pergunta":"What is the LEI?<\/p>","resposta":"The Legal Entity Identifier (LEI) is a unique international code for legally identifying entities participating in financial transactions.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-25","perguntaIdentifier":"faqSection-25_faqQuestion-525"},{"id":526,"idCategoria":72,"pergunta":"Who needs to get the LEI?<\/p>","resposta":"Article 26 of Regulation (EU) No. 600\/2014 (MIFIR) obliges Banco Carregosa to obtain the LEI for all companies conducting transactions in:<\/p><ul><li>Securities admitted to trading in the European Union;<\/li><li>Derivatives of securities admitted to trading in the European Union;<\/li><li>Index derivatives or baskets that include securities admitted to trading in the European Union.<\/li><\/ul><a href=\"https:\/\/registers.esma.europa.eu\/publication\/searchRegister?core=esma_registers_firds\">See the list of all securities covered by the new regulation.<\/a><\/p>In addition, all entities that have access to the GoBulling Pro or GoBulling Pro Go platforms are required to obtain the LEI code.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-25","perguntaIdentifier":"faqSection-25_faqQuestion-526"},{"id":527,"idCategoria":72,"pergunta":"Can I transact without the LEI?<\/p>","resposta":"Banco Carregosa is prohibited from transmitting or executing any orders on securities mentioned in the previous question for entities that have not obtained the LEI. Access to the platforms will also be barred, even if you wish to trade securities other than those mentioned.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-25","perguntaIdentifier":"faqSection-25_faqQuestion-527"},{"id":528,"idCategoria":72,"pergunta":"How do I get the LEI?<\/p>","resposta":"You can obtain the LEI through an approved Local Operating Unit (LOU) <a href=\"https:\/\/www.leiroc.org\/publications\/gls\/lou_20131003_2.pdf\" rel=\"noopener\" target=\"_blank\">here<\/a>.<\/p><a href=\"https:\/\/www.bancocarregosa.com\/en\/repository\/1-9-5\/guia-para-submissao-de-pedido-de-pre-lei-junto-da-london-stock-exchange-en.pdf\" rel=\"noopener\" target=\"_blank\">To assist you, the LEI application guide is available through the LOU that Banco Carregosa used to obtain its LEI<\/a>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-25","perguntaIdentifier":"faqSection-25_faqQuestion-528"}],"Security":[{"id":331,"idCategoria":17,"pergunta":"What is the security of the site based on?<\/p>","resposta":"This is based mainly on two pillars: Authenticity and Confidentiality.<\/p>The first ensures that the user is communicating with Banco Carregosa and not with any other entity. To this end, the Digital Certificates technology is used.<\/p>To ensure that the authentication works two-ways, the username and password guarantee the validation of the user in the Application.<\/p>Confidentiality has two purposes: the first is to guarantee the integrity of the data being sent, making it impossible to alter messages or even exchange them; the second is to transmit unintelligible text over the network so as not to reveal its contents.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-331"},{"id":332,"idCategoria":17,"pergunta":"What is a Digital Certificate?<\/p>","resposta":"A digital certificate contains reliable information about the site being visited and serves as an identifier for the user. There will always be a validity period related to it and any inconsistency in the data presented should be cause for suspicion.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-332"},{"id":333,"idCategoria":17,"pergunta":"What is VeriSign?<\/p>","resposta":"VeriSign, Inc. is a worldwide renowned company that offers digital certificate management services in addition to several other \"trust services\". These services are widely used in wireless Internet e-commerce. For more information, go to www.verisign.com.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-333"},{"id":334,"idCategoria":17,"pergunta":"What level of security does the site offer?<\/p>","resposta":"The application uses state-of-the-art technology - 128-bit SSL (Global Server) IDs. For more information, see SSL.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-334"},{"id":335,"idCategoria":17,"pergunta":"Which browsers support this technology?<\/p>","resposta":"For greater performance, we recommend using the latest versions of Netscape® or Microsoft® browsers.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-335"},{"id":336,"idCategoria":17,"pergunta":"How do I check the security of the site?<\/p>","resposta":"You can check the security of the site by clicking on the padlock on the lower left corner of the browser or on the VeriSign symbol. These two provide, respectively, information about the content of the pages (CipherText or PlainText) and their origin, which in this case should always be Banco Carregosa.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-336"},{"id":529,"idCategoria":17,"pergunta":"How is security ensured when logging in and in the execution of operations through homebanking?<\/p>","resposta":"In order to provide the client with secure access to and use of homebanking, Banco Carregosa provides security instruments, complementary to the User ID and Password for logging in, and which may be activated or deactivated at any time.<\/p>Through the menu Settings > Security you can modify and activate\/deactivate the security mechanisms associated to the login and the execution of operations (except for the password that cannot be deactivated, only modified). For each situation (login and operations) you can choose different mechanisms:<\/p><ul><li>PIN;<\/li><li>SMS Token; and<\/li><li>Biometrics.<\/li><\/ul>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-529"},{"id":543,"idCategoria":17,"pergunta":"How can I activate the security mechanisms?<\/p>","resposta":"To activate and set up the security mechanisms, go to the menu Settings > Security in your homebanking.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-543"},{"id":530,"idCategoria":17,"pergunta":"What does activate a security mechanism for logging in and operations means?<\/p>","resposta":"Activating a security mechanism for logging in\/operations means that you will not be able to perform any of the actions without complying with the validation you will be asked to perform.<\/p>For example, you will not be able to log in with just your User ID and Password if you enable SMS Token. Also, if you activate facial recognition for operations, you will not be able to buy shares if you do not carry out the steps to capture your face and thus confirm your identity.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-530"},{"id":531,"idCategoria":17,"pergunta":"What security mechanisms can be used to access homebanking?<\/p>","resposta":"To access homebanking you need your User ID and Password. However, we recommend that you activate another mechanism, which is available to you: Pin, SMS Token or Biometrics - identity verification - through face recognition.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-531"},{"id":540,"idCategoria":17,"pergunta":"What security mechanisms are required for executing transactions?<\/p>","resposta":"When performing operations you can activate Pin, SMS Token or Biometrics via Face or Face and Voice. If you do not have any mechanism selected, when making transfers you will always be asked for the PIN.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-540"},{"id":532,"idCategoria":17,"pergunta":"What is the User ID and how can I get it?<\/p>","resposta":"The User ID is the identification of the Banco Carregosa client that allows access to the online investment channel. If you have opened an account online, the User ID is sent to you at the end of the process via email; if the account opening process was done on paper, but you requested to join the Banco Carregosa website, you will receive an email with the User ID as soon as the account is approved.<\/p><a href=\"https:\/\/my.bancocarregosa.com\/bancocarregosa\/pt\/id-de-utilizador\">Click here for more information on User ID.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-532"},{"id":533,"idCategoria":17,"pergunta":"Can I change my password and how should I set it?<\/p>","resposta":"Yes, you can change your password. We recommend that you do this periodically. Go to Settings > Security.<\/p>Your password is personal and should not be passed on to third parties. In addition, when setting it, you must use:<\/p><ul><li>at least 8 characters;<\/span><\/li><li>upper and lower case letters;<\/span><\/li><li>numbers.<\/span><\/li><\/ul>If you want to use special characters you must choose one of the following: \"! @ # $ % ^ & * ( ) _ + | ~ = ` { } [ ] : ; < > ? , .\/ (space)\"<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-533"},{"id":534,"idCategoria":17,"pergunta":"Does the password have an expiry date?<\/p>","resposta":"No, however, we recommend that you change it regularly.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-534"},{"id":535,"idCategoria":17,"pergunta":"What do I do if Ive forgotten my User ID or password?<\/p>","resposta":"If you have forgotten your password or User ID, click here, fill in the details and wait for an email with instructions.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-535"},{"id":541,"idCategoria":17,"pergunta":"What is the PIN and how can I get\/ change it?<\/p>","resposta":"The PIN is a security instrument for logging in or performing operations on your account. By default, this PIN is always requested when executing financial transfers. You must set it in the menu Settings > Security, where you can also activate it for logging in and\/or for all operations.<\/p>If you do not define any security mechanism for operations, the PIN will always be requested when making transfers.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-541"},{"id":536,"idCategoria":17,"pergunta":"What is SMS Token and how does it work?<\/p>","resposta":"SMS Token is a security mechanism that sends a code to the mobile phone number you have registered in your personal data. You can activate\/deactivate this mechanism at any time in homebanking. It may take effect at the time of login and when performing operations and can be set in the menu Settings > Security.<\/p>If you choose SMS Token as your security mechanism, a code is sent to your mobile phone:<\/p>(1) if active for login - after this enter the user and password; or,<\/p>(2) if active for operations - prior to order confirmation.<\/p>The telecommunication operators are responsible for sending SMS messages. In executing operations, if the time for entering the code has expired, you can always generate a new code.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-536"},{"id":537,"idCategoria":17,"pergunta":"How can I change the mobile number associated with my SMS token?<\/p>","resposta":"To change the mobile number associated with your personal details and, therefore, with the SMS Token service, you must speak to your Account Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-537"},{"id":538,"idCategoria":17,"pergunta":"What is biometric authentication and how does it work?<\/p>","resposta":"Biometrics is a mechanism that consists in confirming the identity of a client through their biometric data (fingerprint, DNA, face, voice, etc.). In Banco Carregosa, as a security mechanism, you can use facial recognition - it involves video capture.<\/p>You can activate\/deactivate this mechanism and define whether you want it for login, operations, or both, in the menu Configuration > Security of your homebanking.<\/p>Using this mechanism presupposes the installation of an APP - available for iOS and Android - which must be synchronised with your homebanking when you first install the APP.<\/p>Once you activate this security mechanism you will receive notifications on your mobile phone when logging in and\/or performing operations - depending on what you have defined.<\/p>To log in \/perform operations, you should open the App and allow facial recognition as defined.<\/p>Banco Carregosa is not responsible for notifications not sent or not received by clients due to reasons related to the malfunctioning of their equipment or internet network disruptions.<\/p>Installing and using Banco Carregosa\u2019s App may involve mobile data consumption. Operators are responsible for charging the costs they have contracted with the client.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-538"},{"id":539,"idCategoria":17,"pergunta":"What are the advantages of biometrics?<\/p>","resposta":"Biometrics is today considered one of the most secure mechanisms. For example, it ensures that even if the device on which the App is installed is stolen, validation cannot be successfully completed if the face does not match the clients.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-539"},{"id":546,"idCategoria":17,"pergunta":"For what purposes will my biometric data be used?<\/p>","resposta":"Your data will be processed exclusively in the context of the biometric authentication and validation service for operations through the Banco Carregosa App.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-546"},{"id":547,"idCategoria":17,"pergunta":"Will my biometric data be transmitted to any entity other than Banco L.J. Carregosa?<\/p>","resposta":"Yes, your biometric data will be provided to Beyond Emotions, Lda, provider of the algorithm underlying the service. However, the data transmitted will not be associated with the identity of the holder, so this entity will not be able to automatically identify you.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-547"},{"id":548,"idCategoria":17,"pergunta":"How long will Banco L.J. Carregosa keep my biometric data?<\/p>","resposta":"Banco L. J. Carregosa will keep your data for the period strictly necessary to provide the biometric authentication service. The data are deleted as soon as the service is cancelled or when you exercise your right to erasure.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-548"},{"id":549,"idCategoria":17,"pergunta":"Do I have the right to withdraw consent for the processing of my biometric data?<\/p>","resposta":"Yes, consent may be withdrawn at any time by using the service cancellation option.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-549"},{"id":550,"idCategoria":17,"pergunta":"What happens to my biometric data I have cancelled the service?<\/p>","resposta":"Unless the client, pursuant to Article 18(1)(b) of the General Data Protection Regulation, chooses to restrict processing, biometric data shall be deleted immediately upon cancellation of the service by the client.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-550"},{"id":551,"idCategoria":17,"pergunta":"Does Banco L.J. Carregosa have a Data Protection Officer? How can I contact them?<\/p>","resposta":"Yes, you may contact Banco Carregosa\u2019s Data Protection officer at data.protection@bancocarregosa.com to clarify any questions you may have in order to exercise your rights under the legislation on personal data protection.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-551"},{"id":553,"idCategoria":17,"pergunta":"Where can I find more information regarding the policies and procedures adopted by Banco L.J. Carregosa for the protection of personal data?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/seguranca\/privacidade-e-cookies\">Please refer to our Privacy\/Security Policy.<\/a><\/p>Alternatively, you can contact our Data Protection Officer via the contact details given above<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-553"},{"id":542,"idCategoria":17,"pergunta":"Who has access to my biometric data and where is it stored?<\/p>","resposta":"Your biometric data are stored at Banco Carregosa, and you have the option \"Cancel service\" which includes the right to be forgotten.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-542"},{"id":338,"idCategoria":17,"pergunta":"Where can I consult your personal data processing policy?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/seguranca\/\">Please consult the security policy. The online collection and processing of data carried out by Banco Carregosa is registered with the National Data Protection Authority (CNPD).<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-338"},{"id":339,"idCategoria":17,"pergunta":"Where can I consult your cookie policy?<\/p>","resposta":"<a href=\"https:\/\/www.bancocarregosa.com\/pt\/seguranca\/privacidade-e-cookies\">Please refer to the cookie policy.<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-339"},{"id":544,"idCategoria":17,"pergunta":"What to I do if the security mechanism is not working or if it is impossible to use it?<\/p>","resposta":"In this case, you should contact your Private Banker\/Account Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-544"},{"id":552,"idCategoria":17,"pergunta":"Who should I contact to lodge a complaint regarding the processing of my biometric data by Banco L.J. Carregosa?<\/p>","resposta":"You should address the National Data Protection Authority, <a href=\"http:\/\/www.cnpd.pt\"><\/a><a onclick=\"\" href=\"https:\/\/www.cnpd.pt\/cidadaos\/participacoes\/dados-biometricos\" target=\"_self\">using this form<\/a>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-4","perguntaIdentifier":"faqSection-4_faqQuestion-552"}],"RGPD":[{"id":554,"idCategoria":73,"pergunta":"What is the GDPR?<\/p>","resposta":"The General Data Protection Regulation (Regulation (EU) 2016\/679 of the European Parliament and of the Council) entered into force on 25 May 2018. The diploma will be uniformly applied across all Member States, aiming at the reinforced protection of citizens privacy rights in the European Union.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-26","perguntaIdentifier":"faqSection-26_faqQuestion-554"},{"id":555,"idCategoria":73,"pergunta":"What are the implications?<\/p>","resposta":"The Regulation grants data subjects more control over the circulation of their personal data. Therefore, the entities processing your data should do so with maximum transparency and on a legal basis, allowing you access to any relevant information related to the processing of such data.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-26","perguntaIdentifier":"faqSection-26_faqQuestion-555"},{"id":556,"idCategoria":73,"pergunta":"Are your rights strengthened?<\/p>","resposta":"The Regulation represents a set of rights aimed at protecting your personal data, reinforcing the ways in which they can be exercised and largely helping to give data subjects the ability to control the circulation of their data. You can consult our Privacy Policy to find out more about your rights.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-26","perguntaIdentifier":"faqSection-26_faqQuestion-556"},{"id":557,"idCategoria":73,"pergunta":"Do I have to give consent to receiving marketing communications?<\/p>","resposta":"You will only receive marketing communications if you have given Banco Carregosa your free, informed and explicit consent, which may be withdrawn at any time. If you are one of our clients, you can withdraw consent for the sending of marketing emails via your homebanking account under the \"Settings\" tab or by contacting the Data Protection Officer. If you do not have access to homebanking, you should contact our Data Protection Officer. If you are not our client, you can manage the matters of interest you have subscribed to and consented to by using the link provided in the marketing communications we send you. Alternatively, if you prefer, you can contact our Data Protection Officer.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-26","perguntaIdentifier":"faqSection-26_faqQuestion-557"},{"id":558,"idCategoria":73,"pergunta":"The role of Banco Carregosa.<\/p>","resposta":"Banco Carregosa will process your personal data with utmost transparency and respect your right to privacy. On the other hand, we have appointed a Data Protection Officer who will independently answer questions regarding the processing of your data.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-26","perguntaIdentifier":"faqSection-26_faqQuestion-558"}],"Precious Metals":[{"id":559,"idCategoria":74,"pergunta":"Which precious metals does the Bank currently trade?<\/p>","resposta":"To date, the Bank markets gold. The Bank offers and sells 14 types of bars, in 11 different weights, from 1g to 1kg, subdivided into two formats: \"minted\" or \"casted\".<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-559"},{"id":560,"idCategoria":74,"pergunta":"What is the difference between \"Minted\" and \"Casted\" bars?<\/p>","resposta":"The difference is only aesthetic: some are casted and others are minted bars. In terms of price, minted bars are somewhat more expensive than cast bars.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-560"},{"id":561,"idCategoria":74,"pergunta":"Who is the Banks supplier?<\/p>","resposta":"C-Hafner, a German family company, was founded in 1850. The company specialises in recycling precious metals for numerous applications, one of them being the manufacture of certified bars. For more information, go to <a href=\"https:\/\/www.c-hafner.de\/en\/index.html\">https:\/\/www.c-hafner.de\/en\/<\/a>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-561"},{"id":562,"idCategoria":74,"pergunta":"Where can I find more information on precious metals?<\/p>","resposta":"Please refer to sites such as the London Bullion Market (http:\/\/www.lbma.org.uk\/) or the World Gold Council (https:\/\/www.gold.org\/).<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-562"},{"id":563,"idCategoria":74,"pergunta":"Who can buy precious metals?<\/p>","resposta":"Banco Carregosa clients with an approved current account and with a specific contract for the sale of precious metals.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-563"},{"id":564,"idCategoria":74,"pergunta":"Who can sell precious metals?<\/p>","resposta":"Clients who hold gold bars with Banco Carregosa.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-564"},{"id":565,"idCategoria":74,"pergunta":"Can I buy\/sell precious metals without the specific contract signed?<\/p>","resposta":"No, the trading of metals presupposes the signing of a specific contract.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-565"},{"id":566,"idCategoria":74,"pergunta":"Can I buy\/sell precious metals other than C-Hafner?<\/p>","resposta":"At this moment the Bank can only trade in certified gold from C-Hafner. The Bank may intermediate the sale of gold from other sources by its clients under conditions to be defined.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-566"},{"id":567,"idCategoria":74,"pergunta":"What are the communication channels with the Bank for buying\/selling precious metals?<\/p>","resposta":"You must contact your Account Manager in order to buy\/sell precious metals.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-567"},{"id":568,"idCategoria":74,"pergunta":"What are the trading hours for precious metals?<\/p>","resposta":"The trading period is from 8h00-15h00 (PT).<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-568"},{"id":569,"idCategoria":74,"pergunta":"Are the buying and selling prices of precious metals those published on the website?<\/p>","resposta":"Not exactly. Published prices are reference prices. The actual price has to be requested and confirmed with your Account Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-569"},{"id":570,"idCategoria":74,"pergunta":"Do the buying and selling prices of precious metals follow the market?<\/p>","resposta":"Yes, production costs, handling and margins are added to the wholesale price, and there are no additional commissions.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-570"},{"id":571,"idCategoria":74,"pergunta":"What is the reference index used by C-Hafner during the quotation process?<\/p>","resposta":"Basis Thomson Reuters Spot XAU.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-571"},{"id":656,"idCategoria":74,"pergunta":"How long do I have to accept the bid\/ask price given by the Banks Trading Room?<\/p>","resposta":"The Bank does not guarantee price fixing for periods longer than 10 minutes. However, this period may be reduced if there are significant price fluctuations in the market.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-656"},{"id":573,"idCategoria":74,"pergunta":"Does the Bank inform me about gold price developments?<\/p>","resposta":"No, the Bank does not provide advisory or consultancy services in respect of precious metals.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-573"},{"id":574,"idCategoria":74,"pergunta":"How can I sell the precious metals I have puchased from the Bank?<\/p>","resposta":"You can sell precious metals that you have purchased from Banco Carregosa and that were kept with the Bank at all times. If you have withdrawn such precious metals, the sale process requires prior certification of the asset.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-574"},{"id":575,"idCategoria":74,"pergunta":"Can I sell precious metals that have not been purchased from the Bank?<\/p>","resposta":"Yes, however, certification of such precious metals is required. For further information you should contact your Account Manager.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-575"},{"id":576,"idCategoria":74,"pergunta":"Can I buy and sell the same asset on the same day?<\/p>","resposta":"Yes, day-trading is possible.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-576"},{"id":577,"idCategoria":74,"pergunta":"Can I short sell?<\/p>","resposta":"No. To sell precious metals, it presupposes holding the asset in the first place.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-577"},{"id":578,"idCategoria":74,"pergunta":"Can I sell precious metals directly to another client?<\/p>","resposta":"Yes. Both buying and selling clients must confirm the operation to the Bank and the buying client must have an open account with the Bank.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-578"},{"id":579,"idCategoria":74,"pergunta":"After the purchase of precious metals, do I have to pick up the product purchased?<\/p>","resposta":"No. By default, they remain in the custody of the Bank and are credited to the client\u2019s account. You may, however, request the withdrawal thereof at any time.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-579"},{"id":580,"idCategoria":74,"pergunta":"Is there a commission associated with the trading of precious metals?<\/p>","resposta":"Yes, custody and withdrawal of precious metals are subject to commissions.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-580"},{"id":581,"idCategoria":74,"pergunta":"How long does the delivery of the bars take?<\/p>","resposta":"The credit of the precious metal to your account takes place on the same day of the deal. However, the physical collection of the bars may take up to 5 working days. Optionally, they can be collected within 2 working days, at an additional cost.<\/p><a href=\"https:\/\/www.bancocarregosa.com\/pt\/contactos\">Cant find the answer to your questions? Please contact us!<\/a><\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-27","perguntaIdentifier":"faqSection-27_faqQuestion-581"}],"PSD2":[{"id":582,"idCategoria":75,"pergunta":"What is the PSD2?<\/p>","resposta":"The European Commission Directive No. 2015\/2366, also called Payment Services Directive 2, was transposed into the national legal system by Decree-Law No. 91\/2018 and establishes the new Legal Framework for Payment Services and Electronic Money (RJSPME).<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-28","perguntaIdentifier":"faqSection-28_faqQuestion-582"},{"id":583,"idCategoria":75,"pergunta":"What is the application of the PSD2?<\/p>","resposta":"The law applies to payment transactions where at least one of the payment service providers is located in the European Union.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-28","perguntaIdentifier":"faqSection-28_faqQuestion-583"},{"id":584,"idCategoria":75,"pergunta":"What are the main impacts?<\/p>","resposta":"The main impacts for the consumer include:<\/p><ul><li>Obtaining information about your accounts in a single application;<\/li><li>Ordering payments through a trader\u2019s website without direct interaction with payment service providers, notably your bank;<\/li><li>Establishing minimum security criteria, namely as regards authentication for payment services, in most cases requiring the use of a second authentication factor;<\/li><li>It sets a maximum of EUR 50 to be borne by the user in an unauthorised payment transaction up to EUR 150;<\/li><li>It exonerates the user from liability for fraud for transactions where the payment service provider does not require strong authentication procedures.<\/li><\/ul>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-28","perguntaIdentifier":"faqSection-28_faqQuestion-584"},{"id":585,"idCategoria":75,"pergunta":"I wish to access directly to Banco Carregosa\u2019s API. How can I do it?<\/p>","resposta":"Banco Carregosa provides an API for account information services, initiation of payments and confirmation of funds to entities registered as authorised payment service providers \u2013 Third Party Providers (TPP).<\/p><a href=\"https:\/\/my.bancocarregosa.com\/psd2\/\">To access the service, go to https:\/\/psd.bancocarregosa.com<\/a><\/span>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-28","perguntaIdentifier":"faqSection-28_faqQuestion-585"}],"Margin Account":[{"id":636,"idCategoria":80,"pergunta":"What is a margin account?<\/p>","resposta":"The margin account is a product that allows you to leverage your investments supported by the associated eligible amounts.<\/p>A margin (M) is required for each position, which must be covered at all times by the net values of the account (C).<\/p>As long as the coverage is sufficient, you will be entitled to credit with a limit defined by you at the time of contracting, through the selected leverage and the amount allocated to this product. Banco Carregosa calculates the used margin (U) at all times, where U=M\/C. The margin used must always be less than 100%.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-636"},{"id":657,"idCategoria":80,"pergunta":"What instruments can I trade?<\/p>","resposta":"See the list of eligible instruments <a href=\"https:\/\/my.bancocarregosa.com\/bancocarregosa\/pt\/informacao-ao-cliente\/margens\/\">here<\/a><\/span>.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-657"},{"id":658,"idCategoria":80,"pergunta":"How can I contract the service?<\/p>","resposta":"Contact us and we will guide you through the process. You will have to furnish us with information and sign a credit agreement.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-658"},{"id":659,"idCategoria":80,"pergunta":"Leverage<\/p>","resposta":"More than proportional relationship between the losses or gains resulting from the investment and the changes in the assets price. It results from a process through which an investor magnifies potential gains and losses, consequently increasing risk. This process can be triggered by the investor, investing more than their own resources, by obtaining borrowed capital.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-659"},{"id":660,"idCategoria":80,"pergunta":"Margins<\/p>","resposta":"Collateral, e.g. cash or financial instruments, that the client must provide to the Bank to hedge the risks inherent to financial operations conducted or to be conducted with leverage. The account where margins are recorded and calculated is called a margin account. The margin used is systematically calculated by the Bank and must always be less than or equal to 100%.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-660"},{"id":661,"idCategoria":80,"pergunta":"Margin rate<\/p>","resposta":"The margin rate of each financial instrument is an estimate of the maximum change in the share price over one stock market session and the beginning of the following one, based on the historical volatility of the financial instruments, their country risk, counterparty risk and liquidity risk. The Bank applies a margin rate of 0% to available financial balances and term deposits. For the remaining assets, the margins defined at each moment on the Banks website www.bancocarregosa. com (at https:\/\/www.bancocarregosa.com\/gobulling\/pt\/informacao-ao-cliente\/margens\/) are applied. Alternatively, a margin rate of 100% is applied.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-661"},{"id":662,"idCategoria":80,"pergunta":"Foreign exchange margin rate<\/p>","resposta":"The exchange margin rate is defined for each relevant currency pair, being an estimate of the maximum change in the exchange rate between the currency of each position and the credit currency throughout a stock market session and the beginning of the following one. Its value is 0%, unless defined on the Banks website at www.bancocarregosa. com (at https:\/\/www.bancocarregosa.com\/gobulling\/pt\/informacao-ao-cliente\/margens\/), in the \"No Market\" market. It does not apply to positions in the credit currency.<\/p>","consentMode":"","lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-662"},{"id":663,"idCategoria":80,"pergunta":"Total margin rate<\/p>","resposta":"It is equivalent to the sum of the margin rate and the exchange rate margin.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-663"},{"id":664,"idCategoria":80,"pergunta":"Eligible amounts<\/p>","resposta":"Amounts deposited in the accounts and sub-accounts defined within the scope of collateral, whose total margin rate does not exceed 100%, are eligible as collateral for the contract.<\/p>Amounts within the scope of collateral that are not available, namely assets pledged in favour of other credits, are excluded.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-664"},{"id":665,"idCategoria":80,"pergunta":"Account value for margin purposes<\/p>","resposta":"The account value for margin purposes, also referred to simply as the account value, is obtained at any given time by adding the market value of the securities eligible for this contract and the respective credit value used. All values are converted into the base currency of the account.<\/p>The purpose of this definition of the account value is solely to determine the maximum limit of credit granted, without limiting the guarantees of the client\u2019s compliance with the obligations arising from any operations carried out through any accounts under this contract, and all the client\u2019s assets in any accounts, including those that are not within the scope of the guarantees of this contract, constitute a guarantee of compliance before the Bank, under the general terms of law and as provided for in the General Conditions (GC) and in these Specific Conditions (SC).<\/p>To calculate the value of financial instrument accounts or sub-accounts, the Bank may use the last closing prices or other more recent prices recorded during market operation.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-665"},{"id":666,"idCategoria":80,"pergunta":"Individual required margin value<\/p>","resposta":"The product of the absolute market value of the position or of the purchase orders in each eligible amount, converted to the accounts base currency, by the total margin rate.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-666"},{"id":667,"idCategoria":80,"pergunta":"Total margin requirement<\/p>","resposta":"This corresponds to the sum of the individual accounts required margins.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-667"},{"id":668,"idCategoria":80,"pergunta":"Used Margin<\/p>","resposta":"Used Margin<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-668"},{"id":669,"idCategoria":80,"pergunta":"Relative credit limit<\/p>","resposta":"The relative credit limit is the amount of credit that the account can support, ignoring the absolute limit defined in the contract. This value is equivalent to the credit used at each moment, added to the available margin divided by the total margin rate of the amount to be acquired, if this is positive or to be disposed of if negative.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-669"},{"id":670,"idCategoria":80,"pergunta":"Maximum credit limit<\/p>","resposta":"The maximum account credit limit is the lower of the accounts absolute credit limit and relative credit limit.<\/p>","consentMode":null,"lingua":"en","categoriaIdentifier":"faqSection-33","perguntaIdentifier":"faqSection-33_faqQuestion-670"}]}

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