MB WAY vs WeBudget

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.

WeBudget is an expense tracker that does the typing for you. Share a bank message, an email receipt or a screenshot into WeBudget and it becomes a transaction — the amount, the merchant, the account and a category it works out for itself. Screenshots are read on your device. You confirm it, and that is the whole loop. Nothing is ever saved behind your back. Every capture waits in a review queue until you say yes, and correcting one teaches WeBudget the merchant for next time. WHAT IT DOES • Share text or a screenshot from any app and have it logged for you • Budgets per category, with a warning before you go over — not after • Charts that answer a question: where it went, what changed, what this month is on pace to cost • Multiple accounts and currencies • Import from a WeBudget backup or from Money Manager • Export everything, whenever you like • Face ID or PIN lock, and a covered screen in the app switcher • Full support for English, French, Spanish and Arabic YOUR DATA STAYS ON YOUR IPHONE The ledger lives on your device. There is no account to create and nothing needs a connection — use WeBudget without signing in and your spending exists in exactly one place: your phone. Sign in and your ledger is backed up automatically, free, on every device you sign in on. If you do turn it on, we say plainly what that means: a copy of your records is sent over an encrypted connection and stored encrypted on our servers, in a form we can read. That is how we put your ledger back on a new phone and help you when something goes wrong — and it means a breach of our database would expose those records. Our privacy policy sets out who can access them and what is logged when they do. You can delete the cloud copy at any time without touching your phone. WHAT IS FREE, AND WHAT IS NOT Free, with ads, forever: adding transactions by hand, unlimited transactions, every chart, every budget, local backup, import and export. Your own data is never held behind a paywall. WeBudget Plus is a subscription. It turns on automatic capture, gives you the WeBudget Score — your financial health from 0 to 100, built from your own records — and removes the ads. Cloud backup is free for anyone with an account and is not part of it. Both plans start with a free trial. ABOUT THE ADS The free tier carries ads, and they stay out of the way: never inside your transactions, balances or review queue, and never on the screens where you add money or manage your account. No transaction, amount, merchant or balance is ever used to target an ad — not one. You can also watch a short video for two hours without ads, or subscribe and see none at all. Privacy policy: https://we-budget.app/privacy Terms: https://we-budget.app/terms Support: https://we-budget.app/support