Driving electric can cost less than the fuel you pay for today.
In 2 minutes, find out if switching to electric is worth it — with your real case, not averages. Free analysis with no obligation.Money spent on fuel in Portugal since you opened this page€0Estimate based on national average consumption · INE/DGEG 2024
Free analysis in 2 minutesFinancing includedWithout changing banksNo obligation
4.9/5 Google
Financing SupportWe work to ensure that the new monthly payment plus charging doesn't exceed what you pay today for fuel.
Fuel vs. ElectricWe calculate with your real numbers — kilometers, fuel, insurance, and taxes — not averages.
360º Financial AnalysisWe look at the mortgage, insurance, and energy together to maximize total monthly savings.
Free Simulator
Find out in 2 minutes how much you could save
Enter your current vehicles, your monthly kilometers, and your fuel. We calculate the real difference.Why Electric
The Benefits in Numbers
Far beyond the environment — these are real, immediate savings in your pocket.TaxExemptIUC Exempt100% electric vehicles are exempt from the Single Circulation Tax — immediate savings every year.
Maintenance−70%Much Cheaper MaintenanceNo oil, filters, belts, clutches, or exhausts. Just tires, brakes, and simple check-ups.
Energy3–5×More Efficient per KilometerAverage cost of 1.5 to 2 € per 100 km at home, compared to 8 to 12 € in fuel.
EverydayFreeParking in Paid ZonesSeveral Portuguese municipalities offer free or discounted parking for electric vehicles.
IRS Tax BenefitDeduction of 30% of charging expenses, up to 250 € per year. CrediSegur checks eligibility for free.
Up to 250 €/year87%customers saving from the 1st month
5.2×cheaper to charge than refuel
+200 €average monthly savings
24 hresponse to requested analysis
The CrediSegur Approach
You Save More When You Put All the Pieces Together
The greatest savings occur when we analyze all expenses together.Mortgage−80 to −150 €Transfer or renegotiation for better conditions.
Insurance−30 to −80 €Life, home, and auto optimized for the new profile.
Solar energy−60 to −120 €Self-production for home and vehicle charging.
Electric mobility−100 to −300 €Fuel becomes charging; maintenance and IUC disappear.
Estimated total monthly savings, with 360º analysisVaries with the situation. The analysis is free and personalized.
270 to 650 €/month32,400 to 78,000 € in 10 years
Real case · June 2025
How the Moreira family from Coimbra saved 357 € every month
360º analysis of their situation: mortgage, energy, and electric mobility, all at once.Previous situation
Mortgage monthly payment950 €
Electricity180 €
Gas87 €
Fuel, two vehicles400 €
Total monthly1,617 €
With CrediSegur
Mortgage and electric vehicle financed1,070 €
Electricity, with solar60 €
Gas, adjusted30 €
Electric vehicle charging100 €
Total monthly1.260 €
Monthly savingsComparing all expenses
357 €/month42,840 € in 10 years
The lesson from this family: the greatest savings come when we analyze all expenses together.
What we did
MortgageCredit transfer and integrated financing of the electric vehicle. Savings of 120 €/month on the total payment.
Solar energyPhotovoltaic panels. The energy produced covers the house and charges the vehicle overnight.
Electric mobilityFuel costs of 400 € reduced to 100 € for charging. IUC and maintenance eliminated.
InsuranceRenegotiation of life, home, and car insurance. Savings of 57 €/month.
Who has already made the transition
What our clients say
Real people, real savings, with the support of CrediSegur.I used to drive 80 km a day to work and spent almost 190 € a month on diesel. Since switching to electric, I pay about 26 € for nighttime charging. I never thought the difference would be so big. CrediSegur took care of everything — the financing, the analysis, even helped me figure out which vehicle was right for my profile.
Tiago F.Engineer · Aveiro to Porto · 80 km/day
−164 €/monthWe had two diesel cars and a mortgage. CrediSegur proposed integrating the electric vehicle financing into our mortgage. The sale of the old car covered the down payment, and the new total payment was almost the same as before — but now one of the cars costs us almost nothing to run.
Sara and Miguel M.Family · Braga · two vehicles
−210 €/monthI'm an independent architect and drove 2,000 km a month between projects. I spent 320 € just on fuel. CrediSegur did a complete analysis: renegotiated my mortgage, optimized the insurance, and structured the vehicle financing with IRS deduction. The result was a savings of 320 € per month.
Ricardo C.Architect · Lisbon · 2,000 km/month
−320 €/month
Frequently asked questions
The questions everyone asks before deciding
Yes. CrediSegur analyzes the possibility of integrating the vehicle financing into the existing mortgage, if it is more than two years old, at a much more competitive rate. Alternatively, we present the best auto credit options on the market.
CrediSegur's goal is for the new payment plus charging not to exceed what you currently pay for fuel, maintenance, and IUC. In many cases, the net impact is neutral or negative — you pay less than before.
The simulator allows you to enter already electric vehicles: choose "Electric" as the fuel type. This way, you can see the impact of converting the remaining combustion vehicles and understand the additional savings.
A lot. If you charge the vehicle with your own solar energy, the charging cost can be practically zero. In the personalized analysis, the CrediSegur manager calculates with your actual solar production data.
The initial analysis, in the simulator, is immediate and free. The personalized analysis is delivered within 24 hours after contact. The entire process is free and without obligation.
Current electric vehicles have a range between 300 and 600 km in real conditions — enough for most daily commutes. For long trips, the network of fast chargers in Portugal and Europe allows for 30 to 45-minute charges every 200 to 300 km. For daily use, range is rarely an issue: 95% of trips in Portugal are less than 50 km per day.
It depends on the method. On a normal household outlet, at 2.3 kW, a full charge takes 20 to 30 hours — suitable only as a complement. With a dedicated home charger of 7.4 kW, it takes 6 to 10 hours, ideal for overnight charging. On a fast public charger, from 50 to 150 kW, it charges from 20% to 80% in 20 to 40 minutes. In practice, charging at home is like charging your phone: plug it in when you arrive and wake up with a full battery.
Yes, with some alternatives. If the condominium has a collective garage, Portuguese law allows any resident to install a charger in their spot, and the condominium cannot refuse. If you don't have a garage, you can use the public network or charge at work. CrediSegur analyzes your specific situation and helps find the most suitable solution.
Historically, they depreciated more, but the trend has reversed. With increasing demand and restrictions on the sale of combustion vehicles in the European Union from 2035, electric vehicles are maintaining better residual value. The total cost of ownership — purchase, energy, and maintenance — is systematically lower than combustion over 4 to 6 years.
Current electric vehicle batteries have an 8-year or 160,000 km warranty from most manufacturers, with a commitment to maintain at least 70% capacity. In practice, fleet studies show degradation of only 2 to 3% per year in the early years. A battery with 80% capacity after 8 years still offers 250 to 400 km of range.
Portugal has one of the densest charging networks in Europe relative to its territory, with over 12,000 public charging points and rapid growth. The MOBI.E network covers almost the entire mainland. For daily use, the public network is a complement: most users charge more than 80% of the time at home, where it is cheaper and more convenient.
Yes, it is completely safe. Certified home chargers have protections against overload, short circuit, and voltage variations. They are waterproof, with an IP44 rating or higher, and tested for outdoor use in the rain. Vehicles have battery management systems that stop charging when the charge is complete. Charging overnight is actually the cheapest way: in the off-peak tariff, nighttime kWh costs about half of daytime.
Start now
Your next vehicle could pay for itself. Find out if it's your case.
The analysis is free. The conditions are personalized. The commitment is zero.100% free analysisNo commitmentResponse in 24 hoursFinancing included