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Compliance Policy

Unicâmbio as a financial company was born in 1992 as a Exchange Agency, in accordance with the regime provided for in Decree-Law 298/92 of 31 December, under the General Regime of Credit Institutions and Financial Companies (RGICSF) went through a transformation process into a Payment Institution under the legal regime provided for in Decree-Law 317/2009 of 30 October, as amended by Decree-Law 242/2012, of 7 November, Legal Regime on access to the activity of Payment Institutions and the provision of Payment Services (RJIPSP).
Regime repealed by Decree-Law No. 91/2018 of 12 November, establishing the new Legal Framework for Payments Services and Electronic Currency.

Unicâmbio is subject to compliance with rules regulating its activity in the financial sector, in particular the regime on the prevention and combating of money laundering and terrorist financing under Law 83/2017 of 18 August and other national and European legal and regulatory provisions.

Unicâmbio has implemented a policies, practices and procedures plan, following high standards of ethics and professionalism, in order to ensure and/or minimize that the institution may be used or subjected, intentionally or accidentally, to practices related to illegal activities and any other nature that may affect their reputational or operational situation.

It is part of the internal culture of Compliance of this Institution the understanding that, given the risks that come from its specific operative reality, the protection of its stakeholders, particularly its customers, is demand. Being one of the fundamental vectors to preserve the stability and good reputation of the institution, Unicâmbio, and its employees, seek to provide the appropriate information to the users of its services, while promoting the improvement of their knowledge levels (financial literacy) on issues such as conditions of access to payment services provided, preventive measures in the use of this services or on their rights as personal data subjects.

In this regard, also related to the promotion of our clients' financial literacy levels, some public entities of known relevance provide additional assistance using the accessible online information they release, particularly through the “Todos Contam” Website (which results from the activity of the three Portuguese supervisory authorities), and the community alerts on the Judiciary Police website, which focus on issues such as the description and prevention of consumer fraud in financial services, illegal access to personal data, and actions to be taken by the victims who have been affected by these abuses.

Sites for consultation:

Financial Literacy

Banco de Portugal

Western Union

Security and Fraud Prevention