When you open an account, we’re required by banking regulations to verify your income. These documents help us confirm your financial situation and keep your account secure.
This article explains which income documents issued in Portugal you can provide, depending on whether the account holder is:
- A legal entity (company or organization)
- An individual (natural person)
Company income
Company income is money earned by a legal entity. This can include a limited company, association, or other registered organization.
These are the types of accepted documents you can provide as proof of company income.
| Document | Description | Issue date |
|---|---|---|
| Informação Empresarial Simplificada (IES) | Annual accounts | The last 2–3 years of filed annual accounts |
| Comprovativo do IRC | Corporate income tax return | The last 2–3 years of returns |
| Declaração periódica do IVA | Quarterly or monthly VAT returns | The last 4–8 consecutive quarterly or monthly returns |
Individual income
Individual income is the money you earn from your personal activities. This can include salaried employment, self-employment, pensions, and investments.
These are the types of accepted documents you can provide as proof of individual income.
| Document | Description | Issue date |
|---|---|---|
| Nota de liquidação de IRS | Tax assessment notice issued in the latter half of the year following the tax filing period | Latest |
| Declaração periódica do IVA | VAT returns (for self-employed individuals) to show recent business activity | The last 4–8 consecutive returns |
| Declaração da situação contributiva | Social security contributions certificate | Issued periodically – the most recent |
| Faturas emitidas | Issued invoices | Within the last 3 months |
| Extrato bancário | Bank statements showing clear, regular income | Within the last 3–6 consecutive months |
Tips for preparing your documents
You can help speed up the review process by making sure your documents meet these criteria:
- Provide official documents.
- Meet the issue date requirements.
- Make sure the documents clearly show your name, address (if applicable), dates, and the amounts or sources of income.
- Include signatures or stamps if they are part of the official document.
- Make sure documents are well-lit and fully visible, with no shadows, reflections, or cropped edges.
- Include all pages if a document has multiple pages.
- Provide documents in PDF format (JPEG or PNG are also accepted).
Tip
Upload your documents together in a single file when possible. This helps us review them faster.
If you have any questions, submit a request to Swan Support.