Financial Services for Americans in Portugal
For property purchases, deposits and relocation budgets, Lumon offers currency transfers, a named account manager and forward contracts where available. For a Portuguese mortgage as a non-resident, MortgageDirect negotiates with several banks and structures the file for U.S. income. For pensions, retirement accounts and investments, SJB Global provides cross-border financial planning.
Updated October 2026
By Bruno Bianchi, CEO of Spainguru (225,000+ community members) · Updated October 2026
Partners pay Portugalguru a listing fee or a commission when you sign up. Your price never changes and our recommendations are independent. How we choose partners
Lumon
Currency Exchange for Property & Large Transfers
Lumon is the currency specialist the Spainguru network works with for property purchases, deposits, pensions and relocation budgets moving from dollars into euros: a free consultation, a dedicated account manager and tools such as forward contracts, with teams in Portugal and Spain.
- Over 25 years handling overseas payments; offices in Lisbon and Vilamoura plus 6+ in Spain
- A named account manager from the first quote to the final payment
- Forward contracts and limit orders so a moving exchange rate does not derail your budget
MortgageDirect
Portuguese Mortgages
MortgageDirect helps non-residents and new residents, including Americans relocating through D7 or D8 pathways, explore Portuguese mortgage options. They work with multiple Portuguese banks and help prepare applications involving U.S. income.
- Portugal-licensed broker placing loans across major Portuguese banks
- Non-resident mortgages for buyers without Portuguese residency yet
- U.S. income reformatting for D7, D8, Golden Visa, employment, retirement income
SJB Global
Expat Financial Planning
SJB Global helps internationally mobile Americans and other expats manage pensions, investments and tax-aware financial planning across two countries at once — so moving to Portugal doesn’t derail your financial plan.
- Independent, regulated financial advice tailored to expats
- Retirement and pension planning across borders
- Compliant investment management after you change tax residency
How we choose partners
Independent online reviews, feedback from the 225,000-member Spainguru community, an interview with Bruno, years in business and how fast they answer. Partners pay a listing fee or a commission; featured placement is commercial and is labelled; the “vetted” judgement is never bought. Read the full disclosure.
Disclaimer: general information for U.S. citizens living or planning to live abroad — not tax, legal, financial or immigration advice. Thresholds, treaties and visa rules change and depend on your situation; confirm with the IRS, the relevant authority or a qualified professional before acting.