Count on us across borders, always attentive to your needs
We are committed to being an indispensable partner for segments with specific financial needs, offering a personalised, efficient, and professional approach. We develop tailored solutions that create value for our clients.
BAI Europa has been operating in Portugal for over 25 years. We are a financial institution governed by Portuguese law and regulated by the Bank of Portugal under European Union legislation.
Our strategy is grounded in a conservative risk profile, ensuring the continuity, profitability, and solvency of the business under any circumstances.
The team is composed of professionals with significant experience in the banking sector, as well as in management and control roles. By the end of 2024, we anticipate a workforce of around 100 employees.
Schedule a meeting at one of our branches to learn more about our products and business model. We look forward to meeting you.
We offer transaction and payment solutions, as well as savings products, including Term Deposits with competitive rates, to both resident and non-resident clients.
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We assist our corporate clients based in Portugal or other EU countries with their export and investment operations in Angola and other Lusophone African countries.
arrow_right_alt Go to CorporateWe serve as a correspondent and intermediary for banks outside the Eurozone, particularly institutions within the BAI Group and other financial institutions in Lusophone Africa.
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“ It's the daily effort and commitment of our team that allows us to elevate our ambitions and have Trust in the Future. “
To be the European presence of BAI (Banco Angolano de Investimentos), focusing on the Client in order to achieve the desired results, contribute to the development pf our employees, meet shareholder expectations and set a benchmark in providing personalised, high-quality service.
We continuously challenge ourselves
We strive for continuous improvement, refining our methodologies and procedures.
Our focus is on ensuring client satisfaction by delivering high-quality service.
We encourage the development of our employees' professional skills.
We aim for excellent results, demanding high levels of quality from ourselves and others.
We strive for excellence
We maintain excellence in every circumstance.
Doing things properly is our guiding principle.
We are responsible and proactive when addressing challenges.
We accept and learn from our mistakes.
We act quickly
We create solutions that swiftly adapt to the bank's strategy.
We react dynamically to market challenges.
We promote a balance between dynamism and rigour.
We value each and every one
We treat everyone with respect and consideration.
We embrace individual differences, human capital, and multiculturalism.
We believe that the whole is greater than the sum of its parts and that together we can accomplish more and better.
We deliver what we promise
We adhere strictly to all regulations, procedures, and standards in the industry.
We fulfil our moral, legal, and contractual obligations.
We base our decisions and actions on a conservative risk profile.
We strive to set realistic expectations for our clients, offering the most suitable solutions for their needs.
Banco BAI Europa, SA is part of the Banco Angolano de Investimentos Group, a leading financial institution in Angola with extensive experience working with large corporate groups. The group also addresses the needs of individual clients, offering innovative solutions to support SMEs (Small and Medium-sized Enterprises).
Based in Lisbon
1 office in Porto
BAI holds 99,99% of BAI Europa
Based in Praia
11 branches over 5 islands
BAI holds 81,63% of BAI Cabo Verde
Based in São Tomé
10 branches
BAI holds 25% of BISTP
Based in Luanda
155 branches
+ 700 bank agents
Banco Angolano de Investimentos SA (BAI), originally established on 14 November 1996 as Banco Africano de Investimentos SA, changed its name in 2011 to its current form. It is Angola’s first private bank.
To be closer to its clients and provide financial services beyond borders, Banco Angolano de Investimentos opened a branch in Lisbon.
On 1 September 2002, Banco BAI Europa SA (BAIE) was established as a subsidiary, following a change in legal status from a branch. Banco Angolano de Investimentos is its main shareholder.
BAI Europa is a financial institution governed by Portuguese law and regulated by the Bank of Portugal under European Union legislation.
Banco Internacional de S. Tomé e Príncipe (BISTP), founded on 3 March 1993, is the first private commercial bank in the country. In 2004, BAI acquired a 25% stake in BISTP.
On 21 November 2008, BAI Cape Verde (BAI CV) was established as a hub for business with Guinea-Bissau.
Since 4 November 2014, BAIE, like other credit institutions in Eurozone member states, has been subject to harmonised supervision by the Single Supervisory Mechanism (SSM). This includes oversight from the European Central Bank and national authorities, such as the Bank of Portugal.
On 9 June 2022, BAI's shares were admitted to trading on the stock exchange market managed by BODIVA-SGMR, SA (Angola’s Debt and Securities Exchange – Regulated Market Management Company, Public Limited Company).
With this market capitalisation, BAI became the seventh-largest listed bank in Southern Africa and the 17th-largest listed bank in Africa.
Banco Angolano de Investimentos SA (BAI), originally established on 14 November 1996 as Banco Africano de Investimentos SA, changed its name in 2011 to its current form. It is Angola’s first private bank.
To be closer to its clients and provide financial services beyond borders, Banco Angolano de Investimentos opened a branch in Lisbon.
On 1 September 2002, Banco BAI Europa SA (BAIE) was established as a subsidiary, following a change in legal status from a branch. Banco Angolano de Investimentos is its main shareholder.
BAI Europa is a financial institution governed by Portuguese law and regulated by the Bank of Portugal under European Union legislation.
Banco Internacional de S. Tomé e Príncipe (BISTP), founded on 3 March 1993, is the first private commercial bank in the country. In 2004, BAI acquired a 25% stake in BISTP.
On 21 November 2008, BAI Cape Verde (BAI CV) was established as a hub for business with Guinea-Bissau.
Since 4 November 2014, BAIE, like other credit institutions in Eurozone member states, has been subject to harmonised supervision by the Single Supervisory Mechanism (SSM). This includes oversight from the European Central Bank and national authorities, such as the Bank of Portugal.
On 9 June 2022, BAI's shares were admitted to trading on the stock exchange market managed by BODIVA-SGMR, SA (Angola’s Debt and Securities Exchange – Regulated Market Management Company, Public Limited Company).
With this market capitalisation, BAI became the seventh-largest listed bank in Southern Africa and the 17th-largest listed bank in Africa.
Since its foundation in Portugal, BAI Europa has specialised in Trade Finance solutions for corporate Clients. In 2025, it was named the Best Trade Finance Bank in Portugal for the fourth consecutive year by Global Banking & Finance Review.
This award is part of the 2025 Global Banking & Finance Awards®, recognising institutions that excel in specific areas of the financial sector.