Comparison

Millenniumbcp vs Caixadirecta

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

Head to head
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.

About

Caixadirecta

Access your bank accounts, make payments, and manage finances on the go. This app offers secure and fast banking operations, including mobile payments, voice commands, and transfers. Stay updated on your financial status and interact with your bank anytime, anywhere.

Highlights
  • Access bank accounts
  • Make and schedule payments
  • Mobile payments via QR Code/Apple Pay
  • AI-powered digital assistant
  • View accounts from other banks
  • MB WAY transfers and withdrawals
  • Subscribe to products without visiting branch
Features
Read full description

App de Homebanking da Caixa que permite aceder a um grande número de operações financeiras de forma simples, rápida e segura. Com esta App, tem a Caixa sempre à mão, 24h/dia. Pode aceder às suas contas, da Caixa e de outros bancos, fazer ou agendar pagamentos, transferências e muito mais. • Pague na loja com o seu telemóvel, através de QR Code ou Apple Pay • Realize ações através de comandos de voz com a Assistente Digital suportada por Inteligência Artificial • Adicione as contas à ordem que tem noutros Bancos e fique com uma visão global dos seus saldos e movimentos • Valide pagamentos de compras online com cartão • Envie dinheiro, levante ou pague através do MB WAY • Faça transferências para contactos de telemóvel • Subscreva produtos Caixa sem ir à agência • Fale com o seu Gestor Dedicado ou Assistente Comercial Experiência de utilização: • Página inicial com acesso facilitado às operações do dia a dia • Barra de navegação em permanência, para não perder nenhuma notificação importante • Menu intuitivo, para encontrar rapidamente o que procura Mantenha a app sempre atualizada e partilhe a App Caixadirecta com os seus amigos ou familiares e use o botão de "Feedback", disponível na APP, para ajudar a melhorar a sua experiência.

Screenshots

Millenniumbcp4 screens
Caixadirecta4 screens

Verdict

The call

The clearest difference is ads: Caixadirecta at none against Millenniumbcp's shown. Caixadirecta also leads on monetization model (free vs free with in-app purchases) and update cadence (every 11 days vs monthly). Millenniumbcp's advantage is review sentiment (61% vs 40%). On price, rating, ratings volume 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 — 4.8 for Millenniumbcp against 4.7 for Caixadirecta. Both are backed by a comparable volume of ratings — 3.1K and 1.9K respectively. Written reviews are what separate them: 61% of Millenniumbcp's written reviews are positive against 40% of Caixadirecta's.

UpkeepUpdate frequency

Millenniumbcp ships an update monthly, Caixadirecta every 11 days. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard4 real differences · 6 level
Millenniumbcp versus Caixadirecta: the parameters behind the verdict, then further details
ParameterMillenniumbcpCaixadirecta
PriceFreeFree
Rating4.8 (3.1K ratings) — better4.7 (1.9K ratings)
Positive reviews61.0% of reviews — better39.6% of reviews
Number of ratings3.1K — better1.9K
Update frequencyMonthlyEvery 11 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.616.0 — better
Further details — not scored
Size399 MB397 MB
Age rating4+4+
DeveloperMillennium bcpCaixa Geral de Depósitos

Customer experience

Millenniumbcp

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

Caixadirecta

All ratings1,896 ratings
Positive94.4%
Neutral1.5%
Negative4.1%
Written reviews245 reviews
Positive39.6%
Neutral9.4%
Negative51.0%

User reviews

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

Caixadirecta

From 1.9K App Store ratings

What we love

  • 🚀 Excellent online banking service
  • 🌍 Useful for clients living abroad
  • 👍 Easy and intuitive to use
  • 🌐 Multilingual support (English and Portuguese)

Room to improve

  • 🐛 Buggy and unreliable
  • 🕰️ Slow and laggy performance
  • 🤔 Confusing and unintuitive navigation
  • 🔒 Overly complicated security measures
  • 💻 Lack of iPad support and optimization

Bugs and requests

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

Caixadirecta

Reported bugs

5 issues
  • Login issues and screen freezes
  • Inability to update personal information
  • Recurring transfer setup problems
  • Inconsistent behavior when approving transactions
  • Notifications leading to nowhere in the app

Requested features

5 requests
  • Allow users to update personal details directly in the app
  • Provide option to set complex passwords instead of just PINs
  • Improve language settings to make them more persistent
  • Add support for landscape mode on tablets
  • Enhance transaction details and history

In-app purchases

None

Millenniumbcp

No in-app purchases

None

Caixadirecta

No in-app purchases

Questions

Is Millenniumbcp free?
Millenniumbcp is free to download, with no in-app purchases.
Is Caixadirecta free?
Caixadirecta is free to download, with no in-app purchases.
Which has better reviews, Millenniumbcp or Caixadirecta?
Millenniumbcp is rated higher. Millenniumbcp averages 4.8 out of 5 from 3.1K ratings, while Caixadirecta averages 4.7 from 1.9K ratings.
Do Millenniumbcp or Caixadirecta have ads?
Millenniumbcp shows ads; Caixadirecta does not.
Which is updated more often, Millenniumbcp or Caixadirecta?
Millenniumbcp ships an update monthly, and Caixadirecta every 11 days. Most recently, Millenniumbcp was updated on September 24, 2026 and Caixadirecta on September 22, 2026.

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