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Open your 100% digital account with no maintenance fee

Download the app here and open your account now

Download the app here and open your account now

Read the QR code to open a moey account!

To open your account, you only need to:

Chave Móvel Digital (Citizen Card)

Have a Portuguese Citizen Card and 'Chave Móvel Digital'

To be at least 18 years old

Be over 18 years old

Residence address in Portugal

Have a Portuguese home address


Have a good internet connection

Do you already have 'Chave Móvel Digital'?

Quick Process

Quick Process

Download the 'Autenticaçã' app from your phone's app store, if you don't have CMD

Validate your identity in the app

Immediate Validation

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

Request 'Chave Móvel Digital'

And costs? Zero.


Minimum deposit
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


Bank transfers

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.

Learn more

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.

Learn more

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 and then follow the steps in the app.

Learn more

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 (

Learn more

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

Follow the steps in the app and that's it.

Learn more

Do you still have doubts?

Go to FAQ

Learn more on the Blog

Read Articles

Contact us whenever you want

Go to Contacts

Download your app

Download the app to open an account

Download the app to open an account

Read the QR code to open a moey account!
Caixa Central de Crédito Agrícola Mútuo,
Rua Castilho 233-A, 1099-004 Lisboa

Download the app by QR Code and open your account here

Open your account here


Download your app

Download the app here to open an account

QR Code moey!