Comparison

M24 vs Moey

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

M24

Manage your daily finances with a modern and intuitive interface. Perform transactions, check balances, make payments, and more from your iPhone or iPad. Access banking services conveniently on the go.

Highlights
  • Account opening
  • Secure login (PIN, Touch ID/Face ID)
  • Balance and transaction inquiries
  • Payments and transfers
  • Card management
  • Savings and digital piggy bank
  • Branch locator
Read full description

Com um design moderno e uma interface intuitiva, a app destina-se a todos clientes particulares Montepio24 e representa acima de tudo conforto e comodidade para que trate do seu dia-a-dia financeiro no conforto do seu iPhone ou iPad. A partir de agora pode trazer o seu banco de sempre no bolso. Funcionalidades disponíveis: - Abertura de Conta - Login com PIN Montepio24 ou Touch ID/Face ID (em equipamentos compatíveis) - Acesso rápido às principais funcionalidades através do 3D Touch (em equipamentos compatíveis) - Consulta de saldos de Contas à Ordem ou Cartões de Crédito/Pré-Pagos através de Widgets no Centro de Notificações do iOS - Consulta de saldos e movimentos de contas, cartões de débito e crédito - Consulta de Comprovativos de Transações - Pagamentos de compras e serviços - Pagamentos ao Estado - Carregamento de telemóveis - Realização de Transferências (nacionais/internacionais e imediatas) - Agendamento de transferências e pagamento de serviços - MB WAY - Ativação de Cartões de Débito e Crédito - Pagamento Cartão de Crédito - Cash-advance através do Cartão de Crédito - Carregamento do Cartão Pré-Pago - Extravio de cartões - Gestão de Utilização de Cartões - Constituição, mobilização e reforço de poupanças - Mealheiro Digital - SMS Code: Adesão e manutenção - Beneficiários Frequentes - Gestão de Funcionalidades do Serviço Montepio24 - Gestão de Limites do Serviço Montepio24 - Serviço de informação sobre Contas | Contas em outros Bancos - Documentação Digital - Mensagens Montepio24 - Localizador de Balcões - Personalização do menu e ecrã de pré-login com imagens à escolha - Pedido de Portabilidade Mais confortável só na app do Banco Montepio. Para qualquer esclarecimento de dúvidas ou sugestões, estamos disponíveis através do telefone (+351) 21 724 16 24 com atendimento personalizado todos os dias entre as 08h00 e 00h00.

About

Moey

Manage all your bank accounts in one place with this 100% digital, zero-cost banking app. It offers easy bill splitting, contactless payments via Apple Pay, and tools to track spending and set savings goals.

Highlights
  • 100% digital account opening
  • Real-time financial control and notifications
  • Send, request, and split bills
  • Contactless payments with Apple Pay
  • ATM withdrawals with mobile codes
  • Manage accounts from multiple banks
  • Set and track savings goals
Features
Read full description

Your Moey bank account is 100% digital, has zero costs and works with MB WAY - Open a 100% digital account: open your bank account with Chave Móvel Digital. - Control your finances: receive push notifications to warn you when others send you money or when payments are completed. If you lose your card, if it was stolen, or any other reason, just cancel it in the app and order a new one. - In & Out: you can send, request and split bills between Moey, MB WAY and others. No added costs, no transfer charges. - Pay with your phone: activate Apple Pay directly in the Moey app. - Withdraw money: set the amount you want to withdraw on your phone, go to an ATM and insert the code we send you. It's as simple as it is safe. - Available in the MULTIBANCO network - Manage all your bank accounts: it’s All In, use the Moey app to manage bank accounts from all your banks. Make payments with the app, analyse your expenses and create saving goals for all of your accounts. - Goals: save money easily. Set your saving goals, when you want to reach that goal and how often you want to save. - Stats: control you personal finances, see where you spend more money, with costs divided in categories, such as restaurants, supermarkets and others. - Physical card: request your card for free and receive it at home. You can use it in any ATM in Portugal, including the MULTIBANCO network, and abroad. Your card is contactless, just touch and pay - Groups: create groups and split expenses with whoever you choose. Ideal for friends or flatmates. You can create a group and add or remove members. Then just add the expense and "bye bye complications". - Split bill: Moey helps you split the bills, all you need to do is choose the contacts you want to split a bill with, or ask for money. You'll be notified every time someone pays. The download and installation of the Moey app implies that you know and accept the general conditions of the app, which you can read here: https://moey.pt/-/media/project/i9/images/aboutmoey/privacytopicfiles/condicoes-gerais--app--moey.pdf Registration and use of the Moey app require the processing of personal data, so before installing the app and starting the registration you should take note of our Privacy Policy here: https://moey.pt/-/media/project/i9/images/aboutmoey/privacytopicfiles/politica-de-privacidade--moey.pdf

Screenshots

M244 screens
Moey4 screens

Verdict

The call

The clearest difference is rating: Moey at 3.9 against M24's 3.3. Moey also leads on review sentiment (20% vs 9%). M24's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 17.0). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Moey holds the better App Store score, 3.9 against 3.3. Both are backed by a comparable volume of ratings — 13 and 18 respectively. Written reviews point the same way: 9% of M24's written reviews are positive against 20% of Moey's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
M24 versus Moey: the parameters behind the verdict, then further details
ParameterM24Moey
PriceFreeFree
Rating3.3 (13 ratings)3.9 (18 ratings) — better
Positive reviews9.1% of reviews20.0% of reviews — better
Number of ratings1318 — better
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size115 MB220 MB
Age rating12+4+
DeveloperCaixa Económica Montepio GeralCrédito Agrícola

Customer experience

M24

All ratings13 ratings
Positive53.8%
Neutral7.7%
Negative38.5%
Written reviews11 reviews
Positive9.1%
Neutral9.1%
Negative81.8%

Moey

All ratings17 ratings
Positive70.6%
Neutral0.0%
Negative29.4%
Written reviews20 reviews
Positive20.0%
Neutral10.0%
Negative70.0%

In-app purchases

None

M24

No in-app purchases

None

Moey

No in-app purchases

Questions

Is M24 free?
M24 is free to download, with no in-app purchases.
Is Moey free?
Moey is free to download, with no in-app purchases.
Which has better reviews, M24 or Moey?
Moey is rated higher. M24 averages 3.3 out of 5 from 13 ratings, while Moey averages 3.9 from 18 ratings.
Do M24 or Moey have ads?
Neither M24 nor Moey shows ads.
Which is updated more often, M24 or Moey?
M24 ships an update monthly, and Moey monthly. Most recently, M24 was updated on November 2, 2026 and Moey on November 3, 2026.

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