🇵🇹 Portugal

Portugal's three largest retail banks each offer a different procedural shape to open a current account once you hold a NIF. Compare Millennium BCP's digital onramp, Santander Totta's branch-and-promo path, and CGD's state-bank Cartão de Cidadão flow before applying.

The Número de Utente is the SNS user number that tags every interaction with Portugal's public health system. It is free, allocated in person at a Centro de Saúde or espaço cidadão, and gated by legal residency for cost coverage.

The NIF is the 9-digit Portuguese tax number you need for almost any administrative act in Portugal. Finanças issues it free at any tax office or via a fiscal representative.

AIMA issues and renews residence permits for non-EU residents already in Portugal — the D-visa step is handled by consulates abroad, not by AIMA.

Since 21 January 2026, IMT accepts foreign-licence exchange requests only through the IMT Services Portal. EU/EEA holders may keep driving on the original licence until expiry; non-EU holders follow a reciprocity-based exchange that depends on the issuing country.