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Porto Seguro review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Porto Seguro suits Brazilian households who want one insurer plus a bank and a card in the same place, with premiums from BRL 19.90 and monthly payments available. Its credit card carries an annual fee of BRL 39 and its lending runs through its own bank, so costs sit alongside the cover.

Key facts

Best for
Brazilian households wanting cover, a bank account and a card under one name.
Premium from
R$19.90↗
Insurance types
Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget↗
Provider type
Insurer↗
Monthly payments
Yes↗
Claims channels
Mobile-app, Whatsapp, Phone, Email↗
Age range
Policy holder over 18 for phone insurance (Seguro Celular)↗
Legal entity
Porto Seguro Cia. de Seguros Gerais↗
Headquarters
Brazil↗
Support channels
Phone, Chat, Help-centre, Email↗
Pricing model
Monthly
Official website
portoseguro.com.br

Credit cards

Annual fee
R$39↗
Currency conversion fee
0%↗
Rewards type
Points↗
Rewards rate
1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite)↗
Perks
IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold↗
Card kind
Credit↗
Features
Rewards

Loans

Term
up to 60 months↗
Lender type
Direct lender↗
Loan types
Personal, Car, Secured, Business↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXri.portoseguro.com.br

Pros and cons

Pros

  • One insurer covers auto, home and life in one place
  • Monthly payments are available, so premiums can be spread
  • Claims run through mobile app, whatsapp and phone, including WhatsApp and a mobile app
  • The card has a currency conversion fee of 0% and points redeemable for airline miles

Cons

  • The card's annual fee of BRL 39 applies alongside a first year free offer only on the first card
  • Policy holders on phone insurance must be over a minimum age
Porto Seguro

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Scored 9.5 / 10 by SumCue.

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Who it suits

  • Households in Brazil who want auto, home, life, health, travel, pet, motorcycle and gadget cover from one insurer
  • People who want monthly payments rather than a single annual premium
  • Card customers who spend abroad and want points rather than cashback

Who should look elsewhere

  • Anyone wanting a single-purpose savings account, where Linxea is the more focused option
  • People outside Brazil, since the insurer and its bank are Brazilian
  • Borrowers who want long fixed terms, as lending tops out at up to 60

Safety of your money

Porto Seguro is an insurer, Porto Seguro Cia. de Seguros Gerais, based in Brazil and regulated by the Superintendencia de Seguros Privados (Susep). Its bank lends directly and its card issues rewards, so money and cover sit with one group rather than a broker. Claims are handled through mobile app, whatsapp and phone, and general support runs on phone, chat and help centre.

How Porto Seguro compares

Where Porto Seguro is available

Available
Brazil
Licence in Brazil
Superintendencia de Seguros Privados (Susep), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Porto Seguro cover?+

It is an insurer covering auto, home, life, health, travel, pet, motorcycle and gadget policies, listed under auto, home and life. Cover sits with the group rather than a broker, so policies come direct from the insurer.

How much are premiums?+

Premiums start at BRL 19.90 on the entry plans, and monthly payments are available, so cover can be paid for across the year rather than in a single charge. The policies sit under auto, home and life.

What does the Porto Seguro card cost?+

The card charges an annual fee of BRL 39, and the first year of that fee is free on the first card. Perks listed under IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag include lounge access, a free toll tag and points redeemable for airline miles.

Are there fees on spending abroad?+

The currency conversion fee is 0%, so international purchases carry no added charge, and IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards and Free toll tag lists IOF waived on international purchases. Rewards are points, and the points scheme pays out in airline miles.

How safe is the money?+

The insurer is Porto Seguro Cia. de Seguros Gerais, based in Brazil and regulated by the Superintendencia de Seguros Privados (Susep). The bank side lends directly, and you deal with one group for cover, banking and the card.

How do I make a claim?+

Claims run through mobile app, whatsapp and phone, so you can start a claim in the mobile app, over WhatsApp, by phone or by email. General service questions go to the same team through phone, chat and help centre, which adds chat and a help centre.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Porto Seguro

Porto Seguro

Brazilian households wanting cover, a bank account and a card under one name.

9.5/10See alternatives