Comparison

ActivoBank vs Millenniumbcp

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

Head to head
About

ActivoBank

Manage your finances with this app, offering account management, card services, loan applications, and secure payment options. It also allows for international transfers and bill splitting with friends. Open a new account entirely online in just 15 minutes.

Highlights
  • Integrated account management
  • Card services and management
  • Loan simulation and application
  • International transfers
  • Bill payment and splitting
  • Secure mobile payments
  • Account aggregation
Features
Read full description

Everything you need to know about our App’s functionalities is here! Did you know you can: Manage your accounts in an integrated and intuitive way: check, transfer, pay and save; Hide your balances in order to have more privacy; Request a new Debit or Credit Card and revoke ( up to 14 days) or even cancel it due to loss or theft; Simulate and apply for a Personal Loan, with the possibility of immediate online approval (subject to automatic credit assessment); Simulate a Home Loan: apply and upload the first required documents; Subscribe our ON/OFF Travel Insurance; Make international transfers directly with TransferWise; Use Widgets for a simpler access to your account movements; Set notifications when your balance is below a certain amount or when your Credit Card is used. With Apple Pay you can make simple, fast and secure purchases in stores, in Apps, and on the web. Leave your cards at home and pay using only your Apple device. It’s simple, fast and safe. In the area “More” you can find: MB WAY, where you can send, withdraw and request money or even pay and split your bills with friends; Finance Manager, onde pode controlar os seus gastos; Configurations; Contacts; Legal information; Logout. Request your Loan Moratorium, without leaving your house. It’s the safest option! Upload the documents, wait for an answer and, if you fulfil the requirements, accept! 
With PSD2 you can aggregate, on your App, information about your other Bank Accounts: balances, movements and account details. You can aggregate Accounts from 17 national Banks, that joined to the SIBS solution. Share Beneficiaries and Favourites info between the App and website. Not our Client yet? Then open an Account without leaving your house! 
You’ll only need: 15 minutes; Portuguese Identification Document, proof of address and employment; Make a videocall at the end of the process. Don’t waste any time: download it now and make your life simpler!

About

Millenniumbcp

Manage your bank account securely 24/7, with features for payments, transfers, and investments. Open accounts digitally, use mobile payment services, and track your finances easily. Offers tools for saving, managing cards, and applying for loans.

Highlights
  • Digital account opening
  • MB WAY mobile payments
  • Contactless payments with Apple Pay
  • Savings goals with Apparte
  • Digital card twins
  • Instant loan applications
  • Privacy mode for balances
Features
Read full description

This is Millennium's app, providing secure 24/7 access to your bank account. In addition to checking balances and transactions, it offers a wide range of operations and products. Plus, it comes with various user-friendly features to simplify your banking. Here are some of them. Open an account with Digital Mobile Key Go paperless and open your Millennium account within minutes using Mobile Digital Key without the need for in-person visits. MB WAY Use MB WAY within the Millennium app to make mobile payments, send money to friends, and more. Payments and Transfers In the bottom navigation bar, you'll find these two quick options to make your everyday payments and transfers. Apple Pay Leave your wallet at home and make your secure payments with your iPhone or Apple Watch, using contactless technology. StayON With StayON, everything is centralized in one place: notification history, documents, pending transactions, Banco Mail, your account manager, and much more. Apparte Save money with goals using Apparte. Then set up automatic transfer rules, so you don't have to worry about a thing. You can also build your emergency fund. Cards All our cards now come with a digital twin version that you can use as soon as the card is approved in the app. And remember, the decision is instant. Block cards If you've lost your card or won't be using it for a while, you can block it in the app. When you're ready to use it again, just unblock it. Installments Split your credit card purchases starting from €100 into installments of 3, 6, or 9 months. Data update with Digital Mobile Key It's essential that you keep your personal details up to date to continue making transactions. You can update them in minutes using the Digital Mobile Key. Direct debits Edit or cancel your direct debits without having to go to an ATM. Get salary paid at Millennium We can assist you through the app and even provide a template email with your IBAN for your employer. Salary advance Want to get a salary advance on the 1st day of each month? Send us your application. If approved, and if you've already received a salary before, you'll receive that amount in advance on the 1st day of each month. Privacy mode Before entering the app, activate the option to hide balances and prevent prying eyes when you're in public. Notifications Get real-time notifications when your salary is deposited, when a direct debit is scheduled, when you make card payments, and much more. Touch ID and Face ID Use your phone's Touch ID or Face ID to log in to the app and authorize transactions. Insurance Get Médis health insurance, Médis Dental (only €9.90/month), Móbis car insurance, YOLO! life insurance, and ON/OFF travel insurance (for just €1.25/day). Personal and auto loans Skip the paperwork and apply for a personal or used car loan with an instant response. “How Much Can I Borrow" calculator If you're considering buying a home, use our "How Much Can I Borrow" calculator to quickly determine the loan amount you're eligible for. Mortgage loan Once you know how much you can apply for, start your mortgage loan application. You can now even submit and sign your application directly within the app. Investments area You can subscribe to investment funds, certificates, pension plans, and ETFs. If you prefer, you can also opt for Automated Investment starting from €30, and we'll take care of the rest. Virtual Assistant Questions about a feature, product, or banking concept? Our virtual assistant is here to help and can even carry out some operations at your request. And there's much more waiting for you... Install and explore all app features.

Screenshots

ActivoBank4 screens
Millenniumbcp4 screens

Verdict

The call

The clearest difference is ads: ActivoBank at none against Millenniumbcp's shown. Millenniumbcp's advantage is review sentiment (61% vs 46%) and ratings volume (3.1K vs 528). On price, rating, update cadence and in-app purchases 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

On the App Store both sit at effectively the same score — 4.7 for ActivoBank against 4.8 for Millenniumbcp. That said, the two scores are not equally well evidenced: Millenniumbcp has 3.1K ratings behind it against 528, so its average is the more settled of the two. Written reviews are what separate them: 46% of ActivoBank's written reviews are positive against 61% of Millenniumbcp's.

UpkeepUpdate frequency

ActivoBank ships an update every 4 weeks, Millenniumbcp monthly. The most recent releases landed on September 23, 2026 and September 24, 2026 respectively.

Scorecard3 real differences · 7 level
ActivoBank versus Millenniumbcp: the parameters behind the verdict, then further details
ParameterActivoBankMillenniumbcp
PriceFreeFree
Rating4.7 (528 ratings)4.8 (3.1K ratings) — better
Positive reviews46.1% of reviews61.0% of reviews — better
Number of ratings5283.1K — better
Update frequencyEvery 4 weeks — betterMonthly
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, Apple WatchiPhone, iPad, Apple Watch
Requires iOS16.616.6
Further details — not scored
Size420 MB399 MB
Age rating4+4+
DeveloperBanco ActivoBank (Portugal), SAMillennium bcp

Customer experience

ActivoBank

All ratings528 ratings
Positive92.2%
Neutral1.1%
Negative6.6%
Written reviews180 reviews
Positive46.1%
Neutral8.9%
Negative45.0%

Millenniumbcp

All ratings3,094 ratings
Positive95.2%
Neutral1.7%
Negative3.1%
Written reviews264 reviews
Positive61.0%
Neutral6.4%
Negative32.6%

User reviews

ActivoBank

From 528 App Store ratings

What we love

  • 👍 Intuitive and user-friendly interface
  • 🚀 Fast and efficient transaction processing
  • 💼 Comprehensive banking functionality
  • 🌐 Available in multiple languages
  • 📱 Modern and attractive design

Room to improve

  • 📢 Intrusive marketing notifications cannot be disabled
  • 🐛 Frequent app crashes and loading failures
  • 🔐 VPN connectivity issues
  • ⏳ Pending transactions display incorrectly
  • 💰 High foreign currency exchange fees

Millenniumbcp

From 3.1K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Quick transfers
  • 🔒 Secure banking
  • 💡 Useful features
  • 🥇 Excellent app overall

Room to improve

  • 🐛 Bugs and crashes
  • 🤯 Confusing navigation
  • 🚫 Lack of English support
  • 💸 Expensive fees
  • 🤖 Poor customer service

Bugs and requests

ActivoBank

Reported bugs

16 issues
  • App fails to open after recent updates
  • Login requires multiple attempts
  • Numpad appears instead of keyboard for company name input
  • IBAN not recognized error on transfer finalization
  • Face ID compliance error on compatible devices
Show 11 more
  • App reports offline status despite active connection
  • Website freezes at Terms and Conditions review step
  • Chave Movel Digital button non-functional
  • Email notifications blocked after customer replies
  • App crashes on version 4.0+
  • Pending and wallet transactions not visible
  • Language selection reverts to Portuguese
  • Dismissed advertisements reappear on screen reload
  • Update requires re-activation with failed credential acceptance
  • Back button disappears in navigation settings view
  • Connection problems persist after reinstallation

Requested features

11 requests
  • Separate marketing notification toggle from security alerts
  • Support for non-Portuguese IBAN beneficiaries
  • Landscape/horizontal orientation support for iPad
  • Easier tax address and postal address updates
  • Card blocking functionality within the app
Show 6 more
  • Optional hidden balance feature in settings
  • Increased PIN security (minimum 6 digits)
  • Waived foreign currency fees for free accounts
  • Real-time transaction date display for contactless payments
  • Consistent language support throughout entire app
  • SMS activation code delivery improvements

Millenniumbcp

Reported bugs

5 issues
  • Transfer amount field issues
  • Remote access security breach
  • Login and registration problems
  • Multichannel code configuration fails
  • Compatibility issues with new updates

Requested features

5 requests
  • Ability to make mortgage overpayments
  • Landscape mode support on iPad
  • Fingerprint/Face ID login
  • Better integration with website
  • More customization options

In-app purchases

None

ActivoBank

No in-app purchases

None

Millenniumbcp

No in-app purchases

Questions

Is ActivoBank free?
ActivoBank is free to download, with no in-app purchases.
Is Millenniumbcp free?
Millenniumbcp is free to download, with no in-app purchases.
Which has better reviews, ActivoBank or Millenniumbcp?
Millenniumbcp is rated higher. ActivoBank averages 4.7 out of 5 from 528 ratings, while Millenniumbcp averages 4.8 from 3.1K ratings.
Do ActivoBank or Millenniumbcp have ads?
Millenniumbcp shows ads; ActivoBank does not.
Which is updated more often, ActivoBank or Millenniumbcp?
ActivoBank ships an update every 4 weeks, and Millenniumbcp monthly. Most recently, ActivoBank was updated on September 23, 2026 and Millenniumbcp on September 24, 2026.

Other comparisons