Discover Agricultural Credit: invest in your projects in different ways!

Crédito Agrícola is a Portuguese institution that offers a series of products and services, such as bank accounts, cards, insurance and investments. Get to know it and have a better financial life!


Agricultural Credit: purchase machinery, production factors, invest in your business and much more

Logotipo Crédito Agrícola fundo branco
Find out everything about Crédito Agrícola and the services it offers to the population and how to use it. Source: YouTube Crédito Agrícola.

Crédito Agrícola is a Portuguese credit cooperative that has several projects that target your business and can help you produce and profit more. Keep reading and see everything about it.

This is a financial institution that offers a series of products. Although its name refers to agricultural investments, this is just one of the services it offers. There are several possibilities!

Continue reading and learn more about this institution and its products and services. So, see how it can help you grow and profit!

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What is Agricultural Credit?

Firstly, contrary to what it may seem, Crédito Agrícola is a banking institution of the agricultural cooperative type and not a system, in itself, for financing agricultural projects. Therefore, here we are faced with a financial company that offers banking products and services.

Among these products and services, then, are agricultural financing. They address a multitude of issues. For example, they can be applied to the purchase of machinery and equipment needed in the field.

Likewise, they can bring other solutions that help the producer to improve the conditions of their production, make more profits and also organize their finances.

Therefore, what we have is that Crédito Agrícola is not an agricultural financing project in itself, but rather an institution that offers, among many other services, financing for the countryside.

How does Agricultural Credit work?

Duas pessoas com camisa social, dando um aperto de mão, simbolizando o Crédito Agrícola
After all, how does Agricultural Credit work and what are its advantages and disadvantages? Source: Pexels.

Like other agricultural cooperative banking institutions, Crédito Agrícola offers a variety of products and services. It then has its own rules and requirements. Therefore, it will always depend on what you are looking for.

Again, we emphasize that although the name of the institution mentions agricultural activities, it is not available just for that. In fact, existing financing is not exclusive to the field either, being also available for NGOs and other types of institutions.


Among the main advantages we find in the way Crédito Agrícola works are the plurality of services, which range from current accounts to credit cards. Not to mention the possibility of taking out loans and financing, as well as available investments.

Furthermore, the institution offers monitoring and support when applying for any of the services. With this, it is possible to find the best solutions and increase the chances of obtaining them to improve your business and your finances.

Furthermore, it is possible to contract and manage financial products online, without the need to travel. So there are several benefits!


On the other hand, Portuguese Credit is exclusive to people residing in Portugal. Furthermore, in order to access financing and credit, it is necessary to undergo an in-depth credit analysis.

To access financing, it is also necessary to submit an application with documents. Then, there is its analysis and the fulfillment of specific requirements. As a result, there is no guarantee of access to the products available there.

Finally, it is important to highlight that as it is a credit cooperative, the granting of products or services may require individual membership.

Program partners

Crédito Agrícola has a series of services and products, as we saw above. Furthermore, it has programs such as Portugal 2020 (2014-2020), which was promoted in partnership between Portugal and the European Commission.

With this, it brought together 5 of the main European Structural Investment Funds (ERDF, Cohesion Fund, EAFRD, FEAMP and ESF) that develop policies for the social, economic and territorial development of the region.
This program, however, lasted between 2014 and 2020, so it no longer exists. However, there are others that are still developing and presenting themselves, so you can find the type of program and service that suits you best.   

How to obtain Agricultural Credit?

Bandeira de Portugal, onde está disponível o Crédito Agrícola
See how to obtain Agricultural Credit. Source: Unsplash.

The Portugal 2020 project has already ended, as well as its applications and access possibilities. However, this was just one of the projects that Crédito Agrícola spearheaded, as it itself has several services and products.

For example, it is possible to find and have access to financing for automobiles and equipment, agricultural activities, real estate and land, registered lines and even for non-governmental organizations.

In addition, Crédito Agrícola also has other services for everyday life. These include bank accounts, debit and credit cards, insurance and investments. That is, it has all the services that other banking institutions usually offer.

To this end, it offers services both online and in person. To hire one of them, you can click, on the website, on the option that interests you. Then, click on the alternative to receive contact from Crédito Agrícola and enter your details.

Finally, wait for contact from one of the bank's employees. This way, you can hire the services you need. Also, find out about the conditions that apply to each of them!

Agricultural credit: contracting financing for the countryside and agriculture

To obtain agricultural financing, in addition to the contact, you will need to present an investment project. In this case, Crédito Agrícola can help you identify your needs and the support available for your case. Then, you must submit an application and, at the end, if approved, you receive credit.

Therefore, obtaining products from this institution will always depend on what you need, since there are different types of services that the institution offers.

And, if in addition to finding out about agricultural credit, you want to understand MB Net, see the content below! After all, we teach you how to use it in the MB Way app.

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MB Net on MB Way: what is it and how to use it?

Crédito Agrícola de Mafra, Caixa Agrícola de Torres Vedras, Cofidis, Caixa Geral de Depósitos, Cetelem and Crédito Agrícola are some of the institutions that adhere to the MB Way. See, then, what it is and how to use MB Net in the MB Way app.

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

Reviewed by  /  Samantha Scorbaioli

Senior Editor

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