Products and Services

One of the fundamental objectives of BES’ commercial activity is to develop a specialised range of products and services adapted to our clients’ needs. Aware of the important role that the financial sector plays in sustainable development, the BES Group has created a specific range of innovative financial products and services which support environmental responsibility and financial inclusion.

• 18.31 Account
  This new account is aligned to BES’s sustainability policy, which is adopted across all business areas and focuses on the creation of innovative products with a positive input to the Bank’s development and that of the surrounding community.
  Under a partnership with e)mission , a carbon management consultant, the carbon footprint of BES’s 18|31 account was measured in accordance with the PAS 2050, a method for assessing the carbon impact of goods and services.
  Non avoidable carbon emissions are offset through the support provided to a project to replace the fuel used by ceramics industries in the state of Rio de Janeiro, Brazil. Click here to know more about this project.
  BES 18.31 e)mission neutral account
  The measuring and mitigation of carbon emissions in business activity are now used as performance indicator and commitment to corporate sustainability. In line with the environmental commitment of the BES Group, the new BES 18.31 Account involved a number of measures to reduce energy and materials consumption.
  With the support of e)mission, we measured the estimated carbon footprint of the BES 18.31 account according to the PAS2050:2008 specification for the assessment of the life cycle greenhouse emissions of goods and services.
  Each new account will have an estimated carbon impact of 1.6 kg CO2eq /year, corresponding to a 20% reduction in relation to a traditional account. Taking into consideration the measures adopted for this account and the estimated number of BES 18.31 accounts, approximately 28 tons of CO2eq 7year will be avoided. The account's using phase  accounts for nearly 91% of the total footprint. BES offset 147 tons of CO2eq – the estimated footprint of the BES 18.31 account in the first year. The BES 18.31 Account is thus e)mission neutral certified®.
  
  This account has 8% (1M euros) revenue on total of Retail banking Service Accounts.
  
  
• Micro Credit
  This is a Financing Solution for projects presented by new entrepreneurs, thus enabling people who have no real guarantees for obtaining a traditional loan in the Banking sector to set themselves up in business.
  
  
• Financial support for Micro and Small Companies 
  Using the Support Fund for micro and small companies financing is made available through protocols between banks and local authorities.
  
  
• New Residents 
  BES has a specific range of products and services to help immigrants to become part of Portuguese society.
  
  
• Senior citizens 
  Specific products and services are available for the senior citizen segment.
  
  
• Funds
  The BES Group, market leader in innovative financial products and services which promote environmental responsibility, has a wide range of Investment Funds in companies which are committed to the best corporate governance and social and environmental responsibility practices. These Funds also allow diversification of the investment, with the client being able to opt to invest in renewable energies, sustainably managed forestry operations, alternative energy and energy efficiency projects which are Kyoto Protocol compliant, among others.  
  BES Group has available to its customers a range of 143 responsible investment funds, funds with investments in companies that apply and report practices in terms of social and environmental responsibility and corporate governance, with a subscription of around 13 million euros. Click here to consult the list of funds. 

1.  
   1. European Responsible Fund
      An Ethical Fund that invests in equity or bonds issued by European States. In order to ensure that the defined criteria are met, the Fund is made up only from companies included in the FTSE4Good Europe Index.
   2. Espírito Santo Infrastructure Fund (ESIF)
      A Fund with a licence to build and run wind farms and investments in renewable energies.
   3. Luso Carbon Fund
      Development of renewable energy and energy efficiency projects compliant to the Kyoto Protocol.
   4. New Energy Fund
      Investment in renewable energy projects and companies in Portuguese- speaking countries.
      Investment Funds in Equity in the Ecology Sector
   5. Investment Funds in Equity in the New Energies Sector 

• BES / WWF Card
  BES has launched the first credit card co-branded with the WWF in Portugal, a unique partnership which helps to finance nature conservation.