2021 - Present

Last updated on 15 July 2026

In 2021, the issuance of a new savings product, the Value Treasury Savings Certificates (CTPV), public debt instruments created by RCM No. 131-B/2021, of September 10, also aimed at family savings, presenting a guaranteed fixed rate, which led to the suspension of the CTPC subscription.

 

Series F of the savings certificates (created by Ordinance 149-A/2023) began in 2023, with the subscriptions of Series E being closed.

 

Also in 2023, the "Digital Transformation Project" (digital transformation process of the IGCP) was launched, with the main objective of incorporating more efficient solutions for management and contributing to:

  • the adoption of more current and sophisticated technological solutions,
  • greater effectiveness in monitoring IGCP performance,
  • greater transparency
  • the possibility of scrutiny by stakeholders and society in general.

 

From March 2024, Portuguese savers gained access to the State's savings products through the Global Investment Bank (BiG).

 

In the same year, the legal regime of the savings certificates was reviewed (with the publication of Decree-Law No. 79/2024, of October 30), with the following objectives:

  • dematerialization of the CA;
  • elimination of the mover figure;
  • review of the prescription period of the titles of series A and B.

 

November 2024, IGCP launched a new website featuring a more modern and up-to-date, intuitive and functional design, providing a simpler, clearer and more efficient browsing experience. The redesigned website incorporated the principles and standards of Mosaico, the Portuguese common framework for digital public services, reflecting best practices in usability, accessibility, consistency and user experience.

 

In July 2026, IGCP implemented a new payment system (DUC) on AforroNet, enabling the subscription of higher amounts of Savings Certificates (Certificados de Aforro) and Treasury Certificates (Certificados do Tesouro), within the limits established for each product, thereby enhancing the platform's efficiency and accessibility.

 

In the same month, IGCP launched the treasury certificates «series 5» (certificados do tesouro «série 5»), a new savings product for retail investors, offering guaranteed capital and fixed interest rates that increase over a 10-year term, further strengthening the State's range of savings instruments.