MB WAY vs BPI App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MB WAY
This app simplifies payments by linking your mobile number to your bank card. Send, request, and receive money, split bills, and pay online or in-store using QR codes or NFC. It also offers virtual cards for secure online shopping and allows cash withdrawals at ATMs.
- Send, request, and receive money
- Split bills with contacts
- Generate MB NET virtual cards
- Pay in-store with QR Code or NFC
- Pay online with mobile number
- Withdraw cash at ATMs
- Track subscriptions and recurring payments
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The MB WAY app is SIBS' digital solution that simplifies payments in one place! Link your mobile number to your bank card to Send, Request, and Receive money, Split bills, Generate MB NET virtual cards, shop online and in-store with QR Code or NFC, and earn rewards. Track subscriptions and recurring payments, withdraw cash, and use MULTIBANCO with MB WAY. With MB WAY Pulse, pay even when your phone is off, without battery, or without internet. All of this always with SIBS security guarantee. The MB WAY app is the No.1 payment app in Portugal and already a reference, with more than 6,5 million users who use its advantages daily, making it the favorite payment app of the Portuguese. FUNCTIONALITIES How to pay with MB WAY? To pay in-store, when paying for your purchases in physical shops, simply select "Pagar com MB WAY" button and choose the "QR Code" or "NFC" option. - QR Code: After the merchant enters the amount, scan the QR code. If the amount exceeds the PIN limit, confirm with your MB WAY PIN, touch ID, or face ID. - NFC: Tap your phone on the terminal. If the amount exceeds the limit, confirm in the app and tap again. To pay online, select MB WAY as the payment method, enter your mobile number, and confirm the payment via notification and your MB WAY PIN. How to buy with MB NET? When paying for your online purchases, access the MB WAY app and generate an MB NET card in the "Cartões MB NET" option. Then, on the merchant's website, select pay with card and enter the details of the MB NET card you generated. How to use MULTIBANCO? To use the "Utilizar MULTIBANCO” option with the MB WAY app, you must choose the amount you want to withdraw and enter your MB WAY PIN or touch ID. Then, with the generated code, go to a MULTIBANCO ATM, press the green key and choose the "Withdraw Money" option. You can also generate a code for someone else to go to MULTIBANCO to withdraw. You can also use this option “Utilizar MULTIBANCO” to carry out other operations available at MULTIBANCO. How to send money? Simply tap "Send Money," select a contact, enter the amount, and confirm the transaction. The money will be available immediately in the recipient's account. For amounts over €2,000, you must join MB WAY Verified and authenticate the transactions with facial recognition. How to request money? To request money, simply select the "Pedir Dinheiro" button in the app, select the contact you want to request money from, indicate the amount, and confirm the operation. You can also request the amount through your personal QR Code. How to split an account? To split an account, simply select the "Dividir Conta" button. Then, select the contacts with whom you want to split the bill, indicate the amount of the bill, and confirm the operation. How to join authorized payments? To manage your subscriptions or recurring payments through "Pagamentos Autorizados", simply select this payment method on the participating partner, enter your mobile phone number, confirm on your MB WAY, enter your PIN for confirmation and you're done! How to activate MB WAY? 1. Link your bank card at an ATM (MULTIBANCO) 2. Download the app for free and activate it with your mobile number MB WAY is the only official digital payments app from SIBS, accepted by all major banks in Portugal. How to activate MB WAY pulse? Use MB WAY pulse to make contactless payments through another device: bracelet, key ring or clip for your watch, but with the cards you have associated with MB WAY. You can now make purchases with MB WAY pulse without having to have your smartphone with you. How to activate MB WAY Verified? Joining MB WAY Verified is part of the MB WAY activation process. You can also activate it in the "MAIS - DEFINIÇÕES" menu or during a money transfer. The process is simple: just submit an ID document (ID Card, Passport, or Residence Permit) and complete facial recognition.
BPI App
Manage your BPI accounts, cards, and savings with a modern and intuitive interface. Perform transfers, payments, and access MB Way features. Track your finances, simulate loans, and even open new accounts online.
- Account and card balance inquiries
- Transfers and payments (including MB Way)
- Credit card management
- Savings and investment portfolio
- Personal loan simulation and application
- Financial organization and budgeting
- Online account opening
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A BPI APP foi renovada! Agora mais simples e intuitiva de usar! Usabilidade Novo design moderno e funcional, com acesso mais simples e direto no dia-a-dia MB Way • Pague com o telemóvel, transfira para números de telefone e levante dinheiro sem necessidade de cartão Seguros • Conheça os seguros que melhor se adequam a si Contas de outros Bancos • Veja as suas contas de outros bancos e faça transferências dessas contas através da BPI App Com esta aplicação os Clientes BPI podem consultar e gerir as suas contas (do BPI e de outros Bancos), cartões e poupanças. Se é Cliente atual dos serviços BPI Net / BPI Direto, poderá de imediato aceder à BPI App, usando os códigos de acesso habituais. Principais operações disponíveis: Consultas • Saldos e Movimentos de Contas e Cartões de Crédito • Posição Integrada (Património e Crédito) • Agenda de movimentos previstos para os próximos 30 dias • Saldos e Movimentos de contas de outros Bancos Transferências e Pagamentos • Para beneficiários pré-definidos • Para Contas BPI, contas de outros Bancos e para nº de telemóvel • Transferências Imediatas • Pagamentos de Serviços, Estado e Telemóveis • Transferências, Pagamentos e Levantamentos MB Way • Criação e gestão de Cartões MB Net Cartões • Cartões de Crédito: pedido de cartão, alteração de Limites de Crédito, alteração de opção de pagamento e pagamento de Saldo ou Reforço • Adiantamento de numerário a crédito (Cash-Advance) • Pedido de cancelamento e bloqueios de segurança • Cartões Pré-Pagos: pedido de cartão, ativação, carregamento e consulta de saldos e movimentos Poupança e Investimento • Consulta da carteira de poupanças e investimentos • Subscrição, reforço e resgate de fundos de investimento e produtos de reforma • Criação e gestão de planos de poupança periódica • Poupanças imediatas para os seus objetivos Crédito • Simulação e pedido de Crédito Pessoal, com dinheiro imediato na conta • Consulta de catálogo e encomenda de Produtos Prestígio As Minhas Finanças • Organização e categorização automática dos movimentos da contas e cartões • Resumo mensal e anual de receitas e despesas • Definição de limites para as despesas e objetivos E ainda • Consulta e configuração de Alertas e Notificações • Personalização de Contas (nome e de fotografia) • Consulta e alteração de Dados Pessoais • Canal de Comunicação com o Gestor de Conta ou BPI Direto • Abertura Online de Conta Gosta da nossa app? Pode avaliá-la e deixar-nos um comentário. A sua opinião é importante para que continuemos a melhorar!
Screenshots
Verdict
The clearest difference is rating: BPI App at 3.7 against MB WAY's 2.5. BPI App also leads on monetization model (free vs free with in-app purchases). On price, review sentiment, ratings volume and update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BPI App holds the better App Store score, 3.7 against 2.5. Both are backed by a comparable volume of ratings — 66 and 101 respectively. Written reviews point the same way: 8% of MB WAY's written reviews are positive against 13% of BPI App's.
Both ship on a similar rhythm, roughly monthly. Both last shipped on September 22, 2026.
| Parameter | MB WAY | BPI App |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (66 ratings) | 3.7 (101 ratings) — better |
| Positive reviews | 7.7% of reviews | 13.2% of reviews — better |
| Number of ratings | 66 | 101 — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 233 MB | 323 MB |
| Age rating | 4+ | 4+ |
| Developer | SIBS FPS | Banco BPI, S.A. |
Customer experience
MB WAY
BPI App
Bugs and requests
MB WAY
Not enough reviews yet to summarise bugs or requests.
BPI App
Reported bugs
393 issues- App crashes frequently
- App does not open
- Connection errors
- Slow login and navigation
- Outdated UI
Show 388 moreShow fewer
- Inconsistent English translation
- Transaction details are insufficient
- Customer service is unhelpful
- Frequent outages
- App is not user-friendly
- Security concerns with login
- Inability to perform basic functions
- App is not native
- White screen issue
- Not optimized for iPad
- No French language option
- No German language option
- No Spanish language option
- Blocking users abroad
- Difficult to use for foreigners
- Lacks essential features
- Unprofessional
- Incompetent bank
- Amateurish app
- Unreliable updates
- Limited functionality
- Problematic for users outside Portugal
- Difficult to get support
- Poor communication
- Security issues with VPN
- Transaction descriptions not visible/searchable
- Access restricted without reason
- Cannot access contacts for payments
- Login is slow
- Searching is counterintuitive
- Transaction information is minimal
- App requires Portuguese number and language to contact support
- App is not mobile-friendly website
- App crashes during simple procedures
- UI is outdated
- Navigation is not intuitive
- App stops functioning
- App won't download
- No credit card offers for loyal customers
- Outdated and slow app
- App is a shame
- App is a disaster
- App is useless
- App is totally useless as a contact method
- App is perfectly coherent with the incompetence of this Bank
- Constant connection errors
- Kicked out of the app
- Still exactly the same after update
- Financial product, show some professionalism and promptly fix issues that make it unusable
- Always something wrong with this app
- Difficult to change something
- Completely unreliable
- Constant updates during business hours rendering it useless
- Equally unreliable when it’s not updating
- Worst bank only knows to charge money from account but staff can’t help clients in any problem
- Never anything works 100%
- No strategy to facilitate app service usage
- Perfectly amateur
- Constantly with problems
- Possibly related to secure communication method used
- Always failing
- Living in England and always asking to update but never happens
- Frustrating instability
- Don't understand how they can't resolve stability issues in the app
- App is not working
- Buttons on the bottom do nothing
- Copy foreign apps' rates and trading methods
- Recommend Trade Republic more
- Problem with installation on phone in Ukraine
- Cannot install or open the BPI App
- Much inferior
- Never opens on the first try
- Waits to update and takes too long
- Very poorly made
- Should look at competitors to make something similar
- Could be more intuitive
- No reply in the chat
- App crashes in simple procedures
- UI is outdated
- Navigation is not intuitive
- Unable to use this app
- It stopped functioning
- Tried to re download the app to fix the issue
- The app won't download from the app store
- Little regard for the customer
- Haven't been offered a credit card in 5 years as a client
- Know people without documentation or work contracts who have many advantages and nothing for me
- Only continue because salary is received in this account, but will talk to employer to change bank
- App is so outdated and slow
- BPI App is a SHAME
- Painfully slow with frequent outages
- Takes so long to load
- Even login is slow
- Shows BPI Direct error message very frequently
- Usually goes away by trying again
- Cannot log in
- App only lets me open account and not log in
- Terrible app
- How in 2025 can a bank offer such a bad app?
- Cannot pay Via Verde in the App
- Not even the most basic services this App offers
- It is very bad
- App not working for over a month
- Cannot access my account via the app
- Customer service channels do not resolve or identify the problem
- Card limit
- Have had my card for almost 2 years, pay on time and never got a better limit
- This part is very complicated
- App is useless
- Never works 100%
- Customer service is useless
- BPI app never works
- When it works, there's always a bug or problem
- Cannot do anything
- Shame that a bank like Bpi doesn't have a proper app for its clients
- Trying to use the app abroad during non-business hours in Portugal
- App or even the website is always down
- Notification system should be improved
- No notification for scheduled transfers
- App doesn't work
- Almost always when I try to access my account, the system gives an error
- Embarrassing in establishments when I need to mobilize money
- A shame
- Why pay fees to the bank if the app doesn't work?
- App stops working several times at night
- Especially for accessing savings account
- Can be very unpleasant in case of urgent need to access money
- Gives many errors when making payments or navigating the app
- Says it has internet failure while internet is working fine
- Reside outside the country and received a notification to update data
- Had to wait for the Portuguese consulate to receive me to renew citizen card
- BPI mentioned that I will lose access to my account
- Cannot extend time until citizen card arrives to update data
- Will lose access to account within a week
- Client for over 15 years
- Bad staff behavior with customer
- Unfriendly app for foreigners
- English version applies to less than 50% of app content
- Most notifications in Portuguese version don't pop up in English
- Some parts of the app don't load in English version
- Data validation doesn't work
- App doesn't let me perform operations without personal data validation
- Clicking 'validate data' does nothing
- Link doesn't open
- Keeps getting connection error
- Making the app unusable
- Nothing wrong with my internet connection or my phone
- This is an app issue
- Terrible manager
- Doesn't answer calls
- Doesn't respond to chat in the app
- Doesn't respond to SMS
- Doesn't respond to WhatsApp
- No responsibility towards the client
- Very unsatisfied
- Not opening
- Works every other day
- Bad app
- Not friendly or easy to use
- Keeps failing
- Cannot buy things online because the app just closes
- Cannot approve transaction
- Going to have to open another bank account
- Stamp charges
- Doubts about stamp charges
- When can credit card limit be increased?
- Worst bank app ever
- Cannot even transfer money
- What a trap!
- App from the 90s
- Very slow
- Looks like something made in the 90s
- Many tabs
- Small font
- Not well organized
- Logo image is low resolution
- App is not good
- Developers should open accounts at Activobank to see what a good app layout is
- It's a piece of shit
- They don't help you with anything
- Terrible
- Sometimes doesn't even open
- White screen
- Constantly try to open the app but it goes to a white screen
- Spoke with the bank and they said the problem is the phone
- Tried on another phone and it's the same
- 3 days in a row of only seeing a white screen when trying to open the app
- Still no response to email
- App will not load
- Only a white screen is on display
- So frustrating
- BPI does not have a mobile friendly website
- Overall experience using BPI as a bank has not been pleasant
- Application does not open
- Presents only a white screen
- Waited a long time and nothing changes
- Outdated
- 5 months without update in this day and age represents a decade
- New iOS
- Old app
- Always gives problems
- Several days trying to open the app and cannot even access
- Regret
- Useless
- I open it and only see a white screen
- Cannot understand how a bank with its financial capacity allows apps like this to represent its brand
- Don't understand how developers produce such a mess
- App won’t open, just blank grey screen
- Displays BPI logo then a blank grey screen
- Can’t do anything
- It does not work!
- Not a native app but rather a display of web pages
- Has not worked at all for over a week now
- BPI, don't you want to do something?
- We are in 2022!
- No access to the application
- For two weeks the App has not opened
- The screen appears white
- I am out of the country and need access to my account
- To make payments and transfers
- How do I save the new version if we don't have iOS 13 but the old one???
- How to update the BPI application if we don't have the new iOS 13 version but just the previous one?
- Can no longer access all services like notifications for online purchases???????
- How to download the previous version????
- Clicking download does nothing
- Banking advice doesn't understand anything
- Access code
- Had the old version, had just a four-digit PIN to access it
- Now on the home page it asks for numbers I don't even know
- So I can no longer access my application
- Useless app as I cannot understand Portuguese
- BPI bank will not assist
- Will need to move accounts elsewhere
- Received the same “standard” reply sent previously with just the same grievance as expressed above
- Very unfortunately BPI bank is no longer suitable if you are not sufficiently able to communicate in Portuguese
- Cannot register new bank card sent to me since this has to be done in the app
- The app is in Portuguese and I cannot understand it sufficiently
- My local BPI bank branch have advised they cannot assist and the new bank card has to be registered in the app
- Cannot access my funds
- SMS with authorization code does not work
- Tried many times to enter the app
- Even the bank manager tried to help me, but it didn't work
- The app does not send the authorization code to the registered cell phone
- Does not work
- Does not work on iPhone
- Installed this app on 2 iPhone 13 pro max and it does not work
- The screen turns white and the app opens any functionality
- Not working at all
- Have been using this app for a couple of years
- Now not working at all
- Deleted and reinstalled and still not working
- English version
- Come on BPI, it’s 2022, you can surely make an English version of the app
- Doubt
- Want to open a new account and would like to know which is the most recommended for daily payments and debits?
- Also want to know about the costs this account may have
- Doesn't open
- When I open the app everything turns white and nothing appears
- Cannot see
- I am abroad and it is not working
- Horrible
- Since the last update two weeks ago, the app does not work
- Updated on 06.07.2022 - still not working, showing only a white screen
- Needs improvement
- Despite the quality and functioning within the app having progressed in recent years, it still needs improvements in terms of architecture
- App is slow to log in
- Has some problematic areas within the app
- Every time I open it says it's updating
- Blocks me for entering with a VPN
- Accesses if I enter with a VPN (security reasons they say)
- If I try to navigate fast and the system makes too many requests, it also blocks me
- Have to call support to unlock
- This last update, I cannot log in to the app
- Maybe invest in a native app with better architecture to avoid these problems
- English language not available
- Only Portuguese language…
- Bug
- There is a bug preventing payment to the state!!!
- Please fix it, you are preventing payments with this error: pay remains grayed out and unusable
- Update
- I have been trying to open the App for two days
- Already did the update and nothing… horrible
- Have to make payments and my hands are tied!!
- Very well made app, needs English language option
- The app is easy to use and very user friendly
- Very easy to manage finances and reporting
- My only advice to improve the app further would be to add English language as the option
- I do not know Portuguese too well and as such am struggling to use it
- However, I have assets and liabilities in Portugal and as such need to make sure I am on top of the finances
- Cannot make transfers
- On iPhone 11 the transfer screen does not allow typing the confirmation code
- Need to English as well
- Application must English as well
- No options in the App to contract insurance, currency exchange, investments, portability
- Needs to increase digital services
- Complete however not very didactic
- Like the App, find it quite complete, with good options
- However, I think it is not very didactic and easy to use
- To discover the functions, you need to invest time to understand all functions and divert attention from the excessive advertisements on the main screens of the App
- Otherwise, I feel satisfied
- Excellent app
- Very complete app, and works very well
- Has warnings of your debits to be debited, information on where you spend your money and with monthly summary...
- Recommend
- No English version ☹️
- Not an awful lot of good without having an English option like the laptop version
- Don’t feel confident using it at all
- Poor quality for a bank application
- For those living abroad and wanting to access their account in Portugal, it becomes almost impossible
- Especially with the Covid 19 situation
- If you want to compete in the current market, you should invest in making simple and practical applications and of course in several languages
- Poor App
- This app at the very best works intermittently and is slow and sticky
- Have had to uninstall the old app and put downloaded this new one on IOS 13.6 and it doesn’t even open
- This is poor as without it I can’t access my Portuguese account from the UK
- They need to sort this glitch out and get an app that actually works especially for something so important as banking
- App rarely opens
- How is it possible to be so limited in a time like this?
- No point asking to send details as seen in other reviews
- The problem persists for a long time and they have had time to rectify
- Look at the Apps of Novo Banco or CGD
- I think I will change...
- English
- Please also add English language to app thanks
- Alert alert
- Big garbage Bank
- No right Kontakt Mail or Cell
- Zero customer service
- Bad application
- Today when trying to use the application, I had my account access blocked
- The application closes when you enter the authorization code sent by SMS by the Bank
- Does not work properly on Apple phones
- My phone is new and updated
- This application needs to be corrected
- Do not recommend the use
- Too bad
- It would also be good to have the application in French
- Always the same, English translation grrrrr
- The app rarely opens!
- The new app, which was supposed to be much better, rarely opens
- When it opens, it crashes on the first content selection
- It was really a change for the worse
- We have to depend on the website for everything
- No longer opens since the last update :-/
- Nothing opens it: neither PIN code, nor TouchID!
- No longer works
- This app was great until yesterday’s update now it doesn’t work at all
- Have an iPhone 6 and all I get is a blank white screen, it won’t even load
- How is this possible?
- A bank so large that enables an app update that doesn't work
- Can be more better if it’s in English
- This app should be in English
- Please do update in English version as well
- It’s really difficult for people who don’t speak Portuguese
- Languages
- This app is of very limited use if you do not speak Portuguese
- I am learning Portuguese but it is a very difficult language as the spelling and the pronunciation tend to be very different
- iPad ?
- There is no excuse that in the year 2019 BPI, one of the largest Portuguese banks, still has not invested in an iPad application
- Since the iPad is a very useful tool for financial instruments, I don't see the idea of only maintaining (and with totally bad performance) a mobile application only available for phones
- Have accounts in other international banks which have frequent maintenance of apps for both phone and tablet
- Give 3 stars because I know BPI has the capacity to improve and has room for it
- Hope to review in the future
- Language’s options, please!
- This app should be also in English!
- What about the Erasmus students that open an account?
- Or the other foreigners that move to Portugal?
- Hopeless
- Does not display on iPad, just a narrow non functioning menu on left hand side
- Been this way for ages since redesign
- Poor user usability & no iphone x support
- The user experience is not great special when the app is using the main screen as a billboard!
- No iphone X support after all this time
- Not working
- App was working fine but from last couple weeks on, screen's white and doesn't work beyond that
- Nothing special
- Was annoyed to have to install a new application when I already had the BPI App
- Understand that there may be a very strong reason why BPI cannot simply update the old application, but I as a user have no fault in that and they don't even inform what that reason will be...
- This application's positive aspect is only TouchID login, because otherwise you won't have any significant functionality that the other version has
- Moreover, the entry page now bombards the user with advertising for BPI products, as if that were of any use
- Now I have to navigate several steps to do what in the other App was two taps away
- But it is indeed very simple to see and click on beautiful banners of fantastic insurance, request even more credit cards or even buy exclusive prestige products
- That yes, one tap away
- In summary, delete and continue to use the old App until it stops working, or until this one is made for the benefit of the user and not for the benefit of the bank
- Updates
- As a user of the old bpi app, I cannot understand why I have to download a new app, when all other companies in the world simply update existing apps to new versions
- Now we will have to make a new registration, wait for an SMS that I will never receive because I live outside Portugal and the result is... continue to access online banking via Safari
- If we want to be innovative, we have to start with the basics
Requested features
14 requests- Add English language option
- Improve transaction details
- Make app more intuitive
- Add dark mode
- Improve search functionality
Show 9 moreShow fewer
- Make app more didactic
- Add French language option
- Add German language option
- Add Spanish language option
- Improve notification system
- Invest in an iPad application
- Improve app architecture
- Develop a native app
- Add more digital services (insurance, currency exchange, investments, portability)
In-app purchases
MB WAY
No in-app purchases
BPI App
No in-app purchases
