To open your account, you only need to:
Have a Portuguese Citizen Card and 'Chave Móvel Digital'
Be over 18 years old
Have a Portuguese home address
Have a good internet connection
1 Download the app
From App Store, Play Store or AppGallery
2 Validate your identity
Through 'Chave Móvel Digital'
3 Complete your personal data
Fill in the missing information to complete the process
4 Start using it right away
Top-up your account to start making purchases and payments immediately
Do you already have 'Chave Móvel Digital'?
Download the 'Autenticação.gov' app from your phone's app store, if you don't have CMD
The data associated with the Citizen Card is transferred immediately when you authenticate with your CMD
'Chave Móvel Digital' can be used anytime, anywhere, 100% digitally and with no costs
And costs? Zero.
and maintenance fee
Open your account in a few minutes and with no costs
Purchases and payments abroad
Pay anywhere - EU and worldwide - with no extra costs
Instant moey!, MB WAY, SEPA (via IBAN) and SEPA immediate transfers (via IBAN / up to a monthly limit of 40 / 0,5€ per transfer from the 41st)
Cash withdrawl fees
Withdrawals in Portugal and Eurozone: 0 €
Withdrawals in the rest of the world (Note: there may be additional costs charged by local operators): 1.7%
Debit card issuing fees
Issue of 1st debit card: 0 €
Physical card replacement: 5 € (+ 0,20€ of stamp duty)
Virtual card replacement: 2 € (+ 0,08€ of stamp duty)
Frequently Asked Questions
Who can subscribe?
If you have a Portuguese Citizen's Card, you can join using your Mobile Digital Key.
You must also have a residence address in Portugal and be over 18 years old.
Each client is only allowed one account.
How can I open an account?
1. Download the app to your phone. The app is available for iOS 10.3 or above and Android 6.0 and above.
2. Log in to the app and register. You must be over 18 and have a Portuguese Citizen Card (you can join using your Mobile Digital Key).
3. Follow the steps so that we can check all the legal details, and you’re done!
Note: if you have already been a moey! customer you can only open a new moey! account after 90 days.
Why do I have to have my identity verified?
Being a bank, we need to know who each of our clients is.
The Bank of Portugal obliges as much, as part of anti-corruption and anti-fraud measures.
Since you don’t need to go to an agency, and you can do everything over your smartphone using Chave Móvel Digital.
To do your identification through Chave Móvel Digital, activate that option through https://www.autenticacao.gov.pt/a-chave-movel-digital and then follow the steps in the app.
What is Chave Móvel Digital?
Chave Móvel Digital is an authentication service of personal data managed by AMA -Administrative Modernization Agency - that is available for Portuguese Citizen Card holders.
For more information about Chave Móvel Digital (how to subscribe, activate, recover access) check here (https://www.autenticacao.gov.pt/chave-movel-digital/perguntas-frequentes).
How can I open my account using Chave Móvel Digital?
Chave Móvel Digital is only available if you have Cartão de Cidadão.
To open your account through Chave Móvel Digital activate that option through https://www.autenticacao.gov.pt/a-chave-movel-digital.
Follow the steps in the app and that's it.