# Donation crowdfunding · Portugal

Which platform delivers the most of every euro to Portuguese recipients — and what the tax authority expects from donors and fundraisers.

MB WAY anchors how Portugal pays online: it accounts for roughly 45% of online transactions and passed six million users in 2024 — about three-quarters of the banked population. Together with Multibanco references, these local rails settle through SIBS at a low, largely flat cost, so platforms that pass that cost through deliver far more of each euro to the recipient than those routing donations over credit-card rails.

Cash gifts to an eligible Portuguese cause — an IPSS, a public-utility nonprofit, or another body covered by the mecenato rules — earn the donor an IRS tax credit. But the donor side (is my gift deductible?) and the fundraiser side (do I owe tax on what I raise?) are quite different questions, which is why this guide splits them below.

Donation and reward crowdfunding is supervised by the CMVM under Portugal's collaborative-financing law; payment services sit under Banco de Portugal. Donor data is governed by the RGPD — the Portuguese implementation of the GDPR, overseen by the CNPD — so platforms with EEA-only data residency carry a materially lighter compliance burden than those storing donor data in the US.

## Facts

|  |  |
| --- | --- |
| Currency | EUR |
| Regulators | CMVM, Banco de Portugal |
| Payment methods | mb-way, multibanco, card, paypal |

## Platforms

1. **4fund.com** — NZ$100.00/NZ$100 · Individuals, charities, and small organisations across the EEA who want a multilingual, no-commission fundraiser backed by an established Polish crowdfunding operator with EU payment-institution licensing.
2. **WhyDonate** — NZ$98.35/NZ$100 · EU nonprofits — 0% fee, MB WAY-ready, EEA data residency
3. **iRaiser** — NZ$97.85/NZ$100 · Established European nonprofits, foundations, hospitals, and cultural institutions that want branded, self-hosted fundraising tools — forms, peer-to-peer, crowdfunding, and events — under their own identity.
4. **GoFundMe** — NZ$96.80/NZ$100 · Personal causes — broad brand reach
5. **Donorbox** — NZ$94.55/NZ$100 · Embeddable donation forms for any Portuguese website
6. **Fundraise Up** — NZ$93.50/NZ$100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
7. **GoGetFunding** — NZ$92.80/NZ$100 · Individual fundraisers running personal, medical, or emergency campaigns who prefer a fundraiser-paid platform fee over donor tipping, with broad international country availability.
8. **Chuffed** — NZ$92.20/NZ$100 · Nonprofits, social enterprises, and community-cause organisers in 29 supported countries who want a 100%-free, tip-funded platform and are willing to complete identity verification before launching.
9. **StartSomeGood** — NZ$92.10/NZ$100 · Nonprofits, social entrepreneurs, and changemakers running social-impact crowdfunding campaigns who want a flexible 'tipping point' funding model rather than strict all-or-nothing.
10. **PPL** — NZ$91.39/NZ$100 · Portuguese entrepreneurs, creatives, and social or humanitarian causes that want a local, Portuguese-language crowdfunding platform offering both reward-based campaigns and a dedicated donations area.
11. **Leetchi** — NZ$90.85/NZ$100 · Group collections and informal fundraisers
12. **Steady** — NZ$87.10/NZ$100 · European creators, independent journalists, podcasters, and publishers who want recurring income from paying members rather than one-off donation campaigns.

## FAQ

### Which platforms work in Portugal?

The platforms in the table above operate in Portugal and support the local rails. Those that pass through the flat MB WAY and Multibanco fees deliver more of each euro to the cause, while platforms that route most donations over card rails deliver less.

### Are donations tax-deductible in Portugal?

Yes, if the recipient is an eligible cause under the mecenato rules (an IPSS, a public-utility nonprofit, or similar). You can typically claim a 25% IRS credit on your cash gift, capped at 15% of the tax you owe; gifts to churches and religious nonprofits count at 130%. Cash gifts over €200 must be paid by a traceable method, and gifts to private individuals don't qualify.

### Will I be taxed on money I raise?

If you are an individual, a gift from a non-family donor can attract 10% stamp duty (Imposto do Selo), with the recipient liable; gifts from close family are exempt. Registered IPSS and public-utility nonprofits are exempt on the gifts they receive. If donors get goods or services in return, it may be IRS income or VAT instead. Confirm your case with the Autoridade Tributária.

### What's the cheapest way to receive donations here?

A platform that passes through the flat MB WAY or Multibanco fee. On a €100 gift, a low flat local-rail fee beats a roughly €3 card fee several times over — so the method matters more than the platform brand.