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Rent in Lisbon Without a Security Hold — 2025 Full Guide

Renting a car in Lisbon without having a large deposit frozen on your credit card is possible — but only if you know where to look. Many travelers are frustrated by €800–€1,500 security holds at the rental desk, but there are real ways to avoid deposits completely.

Lisbon Car Rental Without a Deposit

In this guide, we’ll explain how to rent a car in Lisbon with zero deposit, which companies allow it, what’s the catch (spoiler: insurance), and how to make sure you don’t get surprised at the counter.

See also  Can You Rent a Car in Portugal Without a Credit Card?


✅ What Does “No Deposit” Car Rental Actually Mean?

Normally, rental companies block a security deposit on your credit card. This hold covers:

  • Potential damages
  • Fuel differences
  • Toll charges
  • Late returns

With “no deposit” rentals, no amount is blocked or frozen if you purchase full insurance from the provider.

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💳 Credit Card Hold vs No Deposit – What’s the Difference?

Option Credit Card Hold No Deposit (Zero Hold)
Amount Blocked €300 – €1,500 €0
Card Required Credit card or high deposit Often works with debit cards
Insurance Included? Basic CDW only Requires Full Protection
Risk to Traveler High (if damage occurs) Low (zero liability)

🏆 Car Rental Companies in Lisbon Offering Zero Deposit (2025)

Company Accepts Debit Cards? Zero Deposit Available? Condition
Centauro ✅ Yes ✅ Yes Must buy Full Coverage (SCDW)
OK Mobility ✅ Yes ✅ Yes Full insurance required
Drive on Holidays ✅ Yes ✅ Yes With full coverage at booking
Klass Wagen ✅ Yes ⚠️ On request only Requires direct contact
Record Go ✅ Yes ✅ Yes Select “No Excess” option

💡 Tip: Always check “Full Coverage = No Deposit” in the rental terms.


💰 Average Pricing (with Zero Deposit)

Vehicle Type Price With Deposit Price Without Deposit (Full Cover)
Economy €25/day €35–€42/day
Compact €30/day €40–€50/day
SUV €45/day €60–€75/day

Yes, zero-deposit rentals cost more upfront — but you avoid big credit holds and potential liability.


🧭 How to Rent a Car in Lisbon Without a Deposit – Step by Step

  1. ✅ Go to a comparison site (e.g. Discovercars)
  2. ✅ Use filters:
    • “Full Coverage”
    • “Debit Card Accepted”
    • “No Deposit” (if available)
  3. ✅ Choose providers like Centauro, OK Mobility, Record Go
  4. ✅ At checkout, select Super Collision Damage Waiver (SCDW)
  5. ✅ Confirm “No Deposit Required” appears in terms
  6. ✅ Bring physical debit/credit card, passport, and license

⚠️ Common Mistakes to Avoid

  • ❌ Buying third-party insurance only (deposit still required)
  • ❌ Assuming “full insurance” = no deposit without checking terms
  • ❌ Using virtual cards — usually rejected
  • ❌ Booking too late — full coverage cars may sell out in summer

🧠 Why Travelers Choose No Deposit Rentals

“I didn’t want €1,200 frozen on my card — I paid €12 more per day for full cover. Totally worth it.”

“No stress at the counter. Picked up with a debit card, no questions asked.”


✅ Summary – Yes, You Can Rent a Car in Lisbon Without a Deposit

If you:

  • Don’t want a big credit hold
  • Prefer to use a debit card
  • Want full peace of mind
    Then a no deposit rental with full insurance is the best option.

Just make sure to book early, choose the right provider, and confirm the rental terms before paying.

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