Comparison

Millenniumbcp vs App Caixa Pay

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

App Caixa Pay

Features
Read full description

Com o App Caixa Pay pode aceitar pagamentos no seu smartphone ou tablet de forma simples e segura. O App Caixa Pay simplifica a aceitação de pagamentos com cartões de débito e crédito, nacionais e estrangeiros das marcas Multibanco, Visa, Mastercard e UnionPay, através de uma APP instalada no seu smartphone ou tablet que comunica por Bluetooth com um leitor de cartões. Faça o download da APP, App Caixa Pay e siga os passos indicados para aderir ao serviço. Para aderir ao serviço App Caixa Pay, basta: 1) Contactar uma agência da Caixa para aderir ao serviço e solicitar o seu leitor de cartões. Depois da adesão receberá um código de adesão no seu endereço de email. 2) Fazer download da APP e proceder ao registo. 3) Começar a aceitar pagamentos com MB WAY e Cartões assim que receber o seu leitor. Descubra mais em www.cgd.pt

Screenshots

Millenniumbcp4 screens
App Caixa Pay4 screens

Verdict

The call

The clearest difference is ads: App Caixa Pay at none against Millenniumbcp's shown. App Caixa Pay also leads on iOS requirement (10.0 vs 16.6). Millenniumbcp's advantage is update cadence (monthly vs every 5 months). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

Millenniumbcp ships an update monthly, App Caixa Pay every 5 months. The most recent releases landed on September 26, 2026 and September 18, 2026 respectively.

Scorecard3 real differences · 7 level
Millenniumbcp versus App Caixa Pay: the parameters behind the verdict, then further details
ParameterMillenniumbcpApp Caixa Pay
PriceFreeFree
Rating4.8 (3.1K ratings) — better—
Positive reviews61.0% of reviews—
Number of ratings3.1K — better—
Update frequencyMonthly — betterEvery 5 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS16.610.0 — better
Further details — not scored
Size399 MB58 MB
Age rating4+4+
DeveloperMillennium bcpSIBS FPS

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

App Caixa Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Millenniumbcp

No in-app purchases

None

App Caixa Pay

No in-app purchases

Questions

Is Millenniumbcp free?
Millenniumbcp is free to download, with no in-app purchases.
Is App Caixa Pay free?
App Caixa Pay is free to download, with no in-app purchases.
Do Millenniumbcp or App Caixa Pay have ads?
Millenniumbcp shows ads; App Caixa Pay does not.
Which is updated more often, Millenniumbcp or App Caixa Pay?
Millenniumbcp ships an update monthly, and App Caixa Pay every 5 months. Most recently, Millenniumbcp was updated on September 26, 2026 and App Caixa Pay on September 18, 2026.

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