Announcement Icon
Season's Greetings! Please note our response times may be slower over Christmas and New Year. Wishing you a joyful festive season!
Portugal Pathways Logo Dark
  • Solutions
    • Visa SOLUTIONS
      • Golden Visa
        Explore Portugal’s residency-by-investment programme
      • D7 Visa
        Visa solutions for retirees and passive income earners
      • D2 Visa
        Visa solutions for entrepreneurs and freelancers
      • D8 (Digital Nomad) Visa
        Visa support for remote workers relocating to Portugal
      • Golden Visa Fund Index
        Portugal’s top investment fund options for the Golden Visa
    • Tax & Financial Solutions
      • IFICI (NHR 2.0) Tax Incentive
        Portugal’s newest tax regime option, the IFICI (NHR 2.0)
      • Plan Early for End of NHR
        Mitigate progressive taxes by planning early for the end of your NHR
      • Tax & Wealth Management
        Optimise your cross-border income and assets for the future
      • Investment Strategy
        Investment advice aligned to your life and financial objectives
      • Business Solutions
        Business set-up, accounts, auditing and operations in Portugal
    • Real estate & concierge
      • Real Estate Solutions
        Location scouting, property research and guidance in Portugal
      • Concierge Services
        Personalised travel, private education, language, utilities and events
      • Healthcare & Insurance
        Private healthcare, insurance, and wellbeing in Portugal
      • Foreign Currency Exchange
        Make significant savings on your foreign currency transfers
      • Mortgage Solutions
        Compare mortgages in Portugal and secure the best rates

    Current NHR Tax Holders: Are you protected moving forward?

    Mitigate high taxes and safegaurd your finances by planning early for the end of your NHR status!
    Explore
    Arrow Icon
  • About
  • Insights & Events
    • Insights
      • Articles
        In-depth insights and news on living and investing in Portugal
      • Guides
        Step-by-step advice for navigating life in Portugal
      • FAQs
        Clear answers to your most common questions
      • Case Studies
        Real-life success stories from our clients
    • Events
      • All Events
      • Upcoming Events
      • Past Events
      • Major Events/Festivals in Portugal
    July 22, 2025

    Securing Portugal's Golden Visa in 2025

    Join our expert-led webinar for a comprehensive update on Portugal’s Golden Visa programme in 2025, covering eligible investment routes, legal changes, and how to successfully secure residency.
    Explore event
    Arrow Icon
Talk to our experts
Case Studies

Significantly reducing foreign exchange fees for a real estate entrepreneur

Significantly reducing foreign exchange fees for a real estate entrepreneur
"Portugal Pathway's FX experts helped me secure massive savings, and the more we transacted, the smaller the fees were, and my existing FX fees were reduced by two-thirds. Their online platform gave me complete oversight of international rates, and I could also fix future prices on currency, which was massively important to my company's profitability. Their transparency, exceptional protection and security measures gave me peace of mind during every foreign currency transaction."
Mark Cartwright
, 
Lisbon

What was the personal situation or challenge?

Mark was a seasoned international real estate agent and international investor from Ireland who was recently semi-retired and decided he wanted to make a move for a life in Portugal. When he relocated to Portugal, he became aware of the Portugal Pathway's FX partners, and how it could transform the profitability of his business on his high-value international real estate payment transactions.

Skyline view of Lisbon at sunset

As a person who frequently engaged in foreign exchange transactions, Mark understood the significance of fixing exchange rates and how hidden fees could impact the actual cost and affect his profitability. He was keen on optimizing his foreign exchange strategies but needed our expert assistance.

How did Portugal Pathways help?

By engaging our team of FX experts, Mark was able to secure huge savings and lower fees for his large-scale transactions using our partner's internationally regulated FX platform, whether it was for business, selling a property, or other international payments. Our parners offered significantly lower fees than he would have paid using other conventional international banks and FX providers.
‍
Our FX solution providers streamlined the entire process with complete oversight via our dashboard so that he could manage from his phone and relax in his semi-retirement, knowing that his highest cost of doing business outside of people was handled.
‍
Our solution partners accomplished the same tasks at just a tiny fraction of the traditional cost charged by other main providers, including currency rate comparisons and fixed pricing, saving substantial amounts for Mark based on his international income. This, along with the Non-Habitual Residency (NHR) tax regime, has enormously impacted Mark's business interests and wealth management.
‍
We provided real-time access to interbank exchange rates, safeguarding Mark's pricing within our conditions. We also presented the option of forward rates for hedging purposes, which again gave Mark more certainty on the future value of his money.
 
Portugal Pathways and its partners went above and beyond to provide Mark exceptional protection and security for his foreign currency transactions.

Current NHR Tax Holders: Are you protected moving forward?

Mitigate high taxes and safegaurd your finances by planning early for the end of your NHR status!

Explore

Similar case studies

Abstract customers share how they manage design systems, scale design operations, and collaborate cross-functionally.

Maximising Real Estate Investment Returns Through Leading Fintech Solutions Platform

David and Sarah Collins
Estoril

Setting up Your Business in Portugal for Growth

Isabella Ramirez
Cascais

Simplifying Financial Management for Global Business Expansion

Michael Anderson
Carvoeiro

Contact us today

Schedule a free consultation with one of our expert team to understand how you can maximise your future financial and tax position as a wealthy international expat in Portugal.

Arrange a call
Breath taking view of coastal town in Portugal
Portugal Pathways Logo White

Sign up for updates

Stay informed and be the first to know about our latest newsletters, articles, guides, and exciting upcoming events

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Facebook IconIstagram IconTwitter/X IconLinkedIn IconLinkedIn Icon
Visa Solutions
Visa SolutionsGolden VisaD7 VisaD2 VisaDigital Nomad VisaGolden Visa Fund Index
Tax & Financial Solutions
IFICI (NHR 2.0)Post-NHR PlanningFinancial PlanningInvestment StrategyBusiness Operations
Real Estate & Concierge
Real Estate SolutionsConcierge ServicesHealthcare & InsuranceForeign CurrencyMortgage Solutions
Links
About usSolutionsCase StudiesArticlesGuidesFAQsEvents & WebinarsContact
© 2025 Portugal Pathways Limited. All rights reserved.
Privacy policyTerms of service

Disclaimer: The information on the Portugal Pathways and Portugal Investment Owners Club (P Club for short) websites and in email communications is for general informational purposes only and should not be construed as legal, tax, or financial advice. You should consult and check with a qualified professional advisor before relying on any information provided on this website or in email communications. As it relates to investments in Golden Visas or other wealth management solutions offered by regulated and professional advisors, it is important to note that past performance is no guarantee of future returns. Private equities can be highly illiquid and come with risk and should always be under professional independent advice.

Upcoming Webinar
Investing in Portugal: Optimise your income and assets for the future
January 16, 2024 4:00 PM

Gain expert insight and guidance from our specialist panel on navigating Portugal's investment opportunities, such as Portuguese investment funds and real estate. Hear experts discuss optimising your income, wealth, assets, and tax position going forward.

Register