Portuguese Phrase
Tens internet banking?
Meaning
A direct, informal way to ask someone if they have an internet banking service set up with their bank. It assumes a familiar relationship (tu) and uses the English term ‘internet banking’, which is widely understood in Portugal.
When to use
Use this phrase in casual conversation with friends, family, or colleagues when you want to know whether they already use online banking. It’s not appropriate in formal settings or when speaking to someone you would address with ‘você’.
✦Grammar Breakdown
Tensinternetbanking?
Ter (present, tu)
‘Tens’ is the second‑person singular present of the verb ‘ter’ (to have). It is used with the informal ‘tu’ pronoun.
Borrowed noun phrase
‘Internet banking’ is an English loan‑phrase used as a noun in Portuguese; it does not change gender or number.
Question mark placement
In Portuguese the question mark is placed only at the end of the sentence, just like in English.
🗨In Conversation
Tens internet banking?
Do you have internet banking?
Sim, já uso o aplicativo do meu banco.
Yes, I already use my bank’s app.
✕Common Mistakes
Tem internet banking?
‘Tem’ is the 3rd‑person singular form (você/ele/ela). With the informal ‘tu’ you must use ‘tens’.
Tens internetbanking?
Do not merge the two words; keep the space as in the loan phrase.
Tens banco internet?
The correct order is ‘internet banking’; ‘banco internet’ sounds unnatural.
↔Alternatives
Tens banca online?
Do you have online banking?
Usas internet banking?
Do you use internet banking?
Já tens acesso ao internet banking?
Do you already have access to internet banking?
Cultural Tip
In Portugal the term ‘internet banking’ is common, but many people also say ‘banca online’ or simply ‘banco online’. The informal ‘tu’ form (tens) is used among friends and family; in Brazil you would more likely hear ‘você tem internet banking?’. Remember that some older customers may still prefer the phrase ‘serviço de home banking’.