1. 💸 Instant Money Transfers

Send or receive money using just a mobile number—no IBAN needed.

How to Send Money:

1. Open the MB WAY app
2. Tap “Enviar Dinheiro” (Send Money)
3. Select a contact or enter their phone number
4. Enter the amount and optional message
5. Confirm with your MB WAY PIN

How to Receive Money:

• The sender initiates the transfer
• You’ll get a push notification
• Accept and funds are instantly credited

🔗 More: How to Send Money – MB WAY

2. 🏧 Card-Free ATM Withdrawals

Withdraw cash from any Multibanco ATM using your phone.

How to Withdraw Without a Card:

1. Open the MB WAY app
2. Tap “Levantar Dinheiro” (Withdraw Money)
3. Enter the amount
4. A 10-digit code is generated
5. At the ATM, select “MB WAY”, enter the code and your phone number

🔗 Cardless Withdrawals – MB WAY

3. 🛒 Online Shopping with Virtual Cards

Create secure, temporary cards for online purchases.

How to Create a Virtual Card:

1. Open the app
2. Tap “Cartões MB NET” (MB NET Cards)
3. Choose the amount and expiration
4. A virtual Visa/Mastercard is generated

Use it just like a regular credit card at checkout.

🔗 Shop Online Safely – MB WAY

4. 🏪 In-Store QR Code Payments

Pay in physical stores using your smartphone.

How to Pay with QR Code:

1. At checkout, scan the store’s QR code
2. Confirm the amount in your MB WAY app
3. Authorize payment with your PIN

This is accepted at many retailers, especially supermarkets and cafés.

5. 👥 Bill Splitting

Perfect for dining out or shared expenses.

How to Split a Bill:

1. Tap “Dividir Conta” (Split Bill)
2. Enter total amount and add friends from your contacts
3. The app splits it equally and sends payment requests
4. Track who has paid in real-time