444:(in Portuguese). Sociedade Interbancaria de Serviços S.A., citing Portuguese newspaper Semanário Económico in its 2006-10-27 edition. "A qualidade do sistema português de máquinas Automated Teller Machine (ATM) é reconhecida em qualquer ponto do globo, não só pela modernidade dos equipamentos como pela enorme quantidade de funcionalidades disponíveis." (The quality of the Portuguese system is recognized anywhere in the globe, not only for the modernity of its equipment, but also for the enormous amount of functionalities available.). Archived from
280:
money in the event of forced opening of the ATM. When in possession of a tinted bill, one must report it to the police (for further investigation, as it is likely to be from a stolen ATM) and can later have it traded at a bank for a non-tinted one, without additional charges. In addition to security cameras, many ATM terminals include a rear-view mirror above the interactive screen, and the money withdrawal slot is located at approximately waist-level, for quick and more secluded storage of the money.
1588:
27:
365:
372:
MB Way is an application available for
Android, iOS, Windows, Windows Phone and Tizen devices. Currently, the MB Way application allows making instant money transfers between mobile phone numbers associated with MB Way, generate MB Net virtual cards for online purchases, pay for purchases in physical
279:
after three attempts, the ATM will not return the card. If the user fails to take the money out of the ATM after a certain period of time, the ATM takes back the cash to prevent theft. A recent security measure has been introduced under the form of a tinting mechanism that releases ink and stains the
343:
and security codes (CVC2 and CVV2) to pay for your online purchase. The number is also valid for offline purchases. The virtual cards allow for normal credit card interactions; either payment or crediting the holder's account. There are two types of virtual card—one for one-time use, and one meant
306:
MB WAY was launched as TeleMultibanco in 1996,rebranded to "MB Phone" in 2008, then to its current branding in 2014. It allows its users to check their account balance and transactions, make transfers, service and shopping payments through their mobile phones. In 2009, around 3 million transactions
347:
All cards are given a usable lifetime of between 1 and 12 months. More specifically, they are valid until the end of the month following the one when it is requested/issued. The great advantage of MB NET is that the customer's real payment details are never known to the vendor and the card's limit
297:
network which began operating in 1987. It allows electronic payments made at the point of sale, through the use of a system accepted card. Therefore, this service allows real time payments protected with security measures, with 266,000 such terminals on the network as of 2014. In 2014, 781 million
104:
of 27 banks in
Portugal, totaling 12,700 machines as of December 2014. The bank members of Multibanco control the SIBS. Multibanco is a fully integrated interbank network. One of the most notable characteristics of Multibanco is the wide range of services that can be utilised through its machines.
355:
website (if the bank allows that operation on such a medium). The client sets a password but the username is given by the system. Registration links the MB NET service to a debit or credit card of one of the SIBS associated banking institutions that support it.
164:
Multibanco is known for having more functionality than standard ATMs in other countries. Initially, the machines only offered withdrawal of cash, checking of balances and checking of recent transactions. Later, features such as service and shopping payments,
177:
From 2001 to 2005, the average number of transactions by year is over 630 million. The number has been rising every year; 719 million were recorded in 2005. This has since grown substantially, with 900 million operations recorded in 2014.
319:
and it is set up for online shopping. Over 1 million payments were made using MB NET in 2009. MB NET allows the creation of virtual credit cards to be used online. Depending on the card system, one will get an
144:
The Caixa Automático
Multibanco (Multibanco ATM) was the first project developed by SIBS, founded in 1983, and started operating on September 2, 1985, with the installation of 12 terminals in the cities of
156:
In 1995, the network had 3,745 ATMs; in 2006 had more than 11,200; and as of
December 2014 it had 12,700, on which an average of more than 75 million operations are made every month.
348:
can be set according to the purchase's value. Even if a vendor or a hacker tries to extort a higher amount, the defined limit prevents it. Shopping online is hence made safer.
336:
then the generated cards by MB NET are Visa scheme. This system is compatible with most payment systems, including PayPal and all places that accept credit cards as payment.
1613:
949:
865:
385:
is also operated by SIBS. "Host to host" is the name given to the system that allows users to perform ATM transactions through their own bank site, enabling
1037:
1123:
426:
1173:
582:
1081:
1263:
1076:
681:
557:
169:
top-up and show ticket sales, among others, were introduced. Nowadays, 60 different services are offered by the
Multibanco network.
731:
810:
656:
532:
491:
1285:
858:
466:
398:
137:
1375:
1032:
276:
635:
1492:
1011:
339:
To generate a virtual credit card one must login to the MB NET site and enter a limit. Then the site instantly gives the
1335:
1222:
373:
stores using a mobile phone number, QR code and contactless, and use an ATM machines without having to use a bank card.
610:
275:
daily (holders of foreign accounts can withdraw more, depending on their bank). If the user fails to enter the correct
1618:
1591:
1228:
1043:
851:
706:
1504:
1155:
894:
441:
113:
1436:
1400:
1340:
1195:
1088:
109:
427:
https://mbway.azurewebsites.net/sibsfps/wp-content/uploads/sites/5/2015/08/SIBS_Market_Report_JUL2015.pdf#page=9
1451:
1370:
1190:
966:
961:
899:
101:
1424:
1380:
1308:
1118:
920:
1094:
1027:
784:
1100:
1048:
995:
991:
586:
1275:
1246:
166:
522:
Includes cash withdrawals, deposits, account and transfers checking, payments and "other operations"
117:
1456:
1131:
1106:
340:
1216:
1330:
1058:
986:
982:
874:
89:
1395:
977:
321:
271:
Multibanco allows users with a local (Portuguese) bank account to withdraw a maximum of 400
1143:
351:
Registration to use MB NET is required. To do so, one must go to a
Multibanco ATM or one's
121:
1390:
685:
561:
735:
1016:
814:
660:
536:
495:
386:
470:
1607:
1414:
943:
333:
1541:
352:
116:, and is also a provider of mobile phone and Internet banking services through the
1553:
1475:
972:
843:
1446:
1251:
926:
329:
614:
1565:
1470:
1441:
1269:
889:
757:
382:
325:
125:
1000:
710:
108:
Multibanco in itself does not only encompass ATMs. It has a fully-fledged
1480:
1365:
1325:
1291:
1280:
1256:
1240:
1234:
1185:
1112:
1070:
1064:
316:
93:
445:
1571:
1547:
1465:
1345:
1180:
1021:
1006:
364:
26:
1559:
1525:
1499:
1431:
1385:
294:
146:
136:
1148:
1136:
1509:
1302:
1200:
1167:
1053:
955:
904:
150:
1160:
307:
were made by the 300,000 mobile phone clients using this system.
1419:
1405:
272:
847:
785:"O que é o MB Way? Um guia para perceber como funciona"
124:
services respectively. It is also the provider of the
838:
758:"MB Way: o que é, como usar e novas funcionalidades"
442:"Multibanco português é dos mais avançados do mundo"
332:
virtual card. For example, if the card is a Visa or
1534:
1518:
1358:
1318:
1209:
936:
913:
882:
783:Pedro Ferreira Esteves e Rosa Soares (2019-02-06).
75:
57:
49:
41:
33:
315:MB NET allows users to make payments through the
583:"Clientebancario.com - posse de notas tintadas"
98:SIBS (Sociedade Interbancária de Serviços S.A.)
518:
516:
514:
512:
859:
8:
422:
420:
418:
416:
414:
19:
1315:
866:
852:
844:
436:
434:
25:
636:"SIC Online: Nova imagem e mais serviços"
92:. It is the largest interbank network in
1614:Financial services companies of Portugal
363:
180:
135:
79:Sociedade Interbancária de Serviços S.A.
410:
293:The Multibanco Automatic Payment is an
298:payments were made using this system.
18:
7:
381:The automated toll payment service
533:"ATM Network: Userful Information"
389:which has been active since 2000.
140:Multibanco's old logo (1985–2008).
14:
1587:
1586:
399:Euro Alliance of Payment Schemes
128:automated toll payment service.
1376:Armed Forces Financial Network
1:
756:Viviane Soares (2018-12-08).
682:"SIBS: Estatísticas MB PHONE"
1336:European Payments Initiative
114:Multibanco Automatic Payment
16:Portuguese interbank network
1217:Allied Irish Banks Banklink
732:"SIBS: Estatísticas MB NET"
63:; 39 years ago
1635:
657:"SIBS: Operações MB PHONE"
1581:
1341:Single Euro Payments Area
492:"ATM Network: Operations"
467:"Multibanco: ATM Network"
24:
1371:Alberta Regional Network
1311:(Bosnia and Herzegovina)
377:Automated teller machine
1059:Dutch Bangla Bank Nexus
1095:Saudi Payments Network
813:. SIBS. Archived from
734:. SIBS. Archived from
709:. SIBS. Archived from
684:. SIBS. Archived from
659:. SIBS. Archived from
613:. SIBS. Archived from
560:. SIBS. Archived from
535:. SIBS. Archived from
494:. SIBS. Archived from
469:. SIBS. Archived from
369:
141:
96:owned and operated by
1101:Shetab Banking System
448:on September 27, 2007
367:
139:
1437:Accel / The Exchange
1247:Bankcard-Servicenetz
811:"Multibanco: Others"
405:Notes and references
167:Prepaid mobile phone
1107:The Benefit Company
558:"ATM Network: FAQs"
344:for multiple uses.
21:
1619:Interbank networks
1309:BH Mreža bankomata
875:Interbank networks
370:
341:credit card number
142:
1601:
1600:
1354:
1353:
1331:Euronet Worldwide
264:
263:
100:, that links the
90:interbank network
83:
82:
1626:
1590:
1589:
1396:Discover Network
1316:
1288:(United Kingdom)
1164:
1152:
1140:
1127:
868:
861:
854:
845:
839:Official website
826:
825:
823:
822:
807:
801:
800:
798:
796:
780:
774:
773:
771:
769:
753:
747:
746:
744:
743:
728:
722:
721:
719:
718:
703:
697:
696:
694:
693:
678:
672:
671:
669:
668:
653:
647:
646:
644:
643:
632:
626:
625:
623:
622:
611:"SIBS: MB PHONE"
607:
601:
597:
595:
594:
585:. Archived from
579:
573:
572:
570:
569:
554:
548:
547:
545:
544:
529:
523:
520:
507:
506:
504:
503:
488:
482:
481:
479:
478:
463:
457:
456:
454:
453:
438:
429:
424:
322:American Express
181:
88:is a Portuguese
71:
69:
64:
29:
22:
1634:
1633:
1629:
1628:
1627:
1625:
1624:
1623:
1604:
1603:
1602:
1597:
1577:
1530:
1514:
1391:Co-op Solutions
1350:
1314:
1205:
1158:
1146:
1134:
1121:
932:
909:
878:
872:
835:
830:
829:
820:
818:
809:
808:
804:
794:
792:
791:(in Portuguese)
782:
781:
777:
767:
765:
764:(in Portuguese)
755:
754:
750:
741:
739:
730:
729:
725:
716:
714:
705:
704:
700:
691:
689:
680:
679:
675:
666:
664:
655:
654:
650:
641:
639:
634:
633:
629:
620:
618:
609:
608:
604:
592:
590:
581:
580:
576:
567:
565:
556:
555:
551:
542:
540:
531:
530:
526:
521:
510:
501:
499:
490:
489:
485:
476:
474:
465:
464:
460:
451:
449:
440:
439:
432:
425:
412:
407:
395:
379:
362:
313:
304:
291:
286:
284:Payment options
269:
193:
192:Total number of
188:
175:
162:
134:
112:network called
67:
65:
62:
17:
12:
11:
5:
1632:
1630:
1622:
1621:
1616:
1606:
1605:
1599:
1598:
1596:
1595:
1582:
1579:
1578:
1576:
1575:
1569:
1563:
1557:
1551:
1545:
1538:
1536:
1532:
1531:
1529:
1528:
1522:
1520:
1516:
1515:
1513:
1512:
1507:
1502:
1497:
1496:
1495:
1487:
1486:
1485:
1484:
1483:
1468:
1463:
1462:
1461:
1460:
1459:
1454:
1444:
1439:
1429:
1428:
1427:
1422:
1412:
1411:
1410:
1409:
1408:
1393:
1388:
1383:
1378:
1373:
1368:
1362:
1360:
1356:
1355:
1352:
1351:
1349:
1348:
1343:
1338:
1333:
1328:
1322:
1320:
1313:
1312:
1306:
1300:
1294:
1289:
1283:
1278:
1273:
1267:
1261:
1260:
1259:
1254:
1249:
1238:
1232:
1226:
1220:
1213:
1211:
1207:
1206:
1204:
1203:
1198:
1193:
1188:
1183:
1177:
1170:
1165:
1153:
1141:
1129:
1116:
1110:
1104:
1098:
1097:(Saudi Arabia)
1092:
1085:
1084:
1079:
1074:
1068:
1062:
1056:
1051:
1046:
1041:
1035:
1030:
1025:
1019:
1014:
1009:
1004:
998:
989:
980:
975:
970:
964:
959:
953:
947:
940:
938:
934:
933:
931:
930:
924:
917:
915:
911:
910:
908:
907:
902:
897:
892:
886:
884:
880:
879:
873:
871:
870:
863:
856:
848:
842:
841:
834:
833:External links
831:
828:
827:
802:
775:
748:
723:
707:"SIBS: MB NET"
698:
673:
648:
627:
602:
574:
549:
524:
508:
483:
458:
430:
409:
408:
406:
403:
402:
401:
394:
391:
387:online banking
378:
375:
361:
358:
312:
309:
303:
300:
290:
287:
285:
282:
268:
265:
262:
261:
258:
255:
251:
250:
247:
244:
240:
239:
236:
233:
229:
228:
225:
222:
218:
217:
214:
211:
207:
206:
203:
200:
196:
195:
190:
185:
174:
171:
161:
158:
133:
130:
118:TeleMultibanco
81:
80:
77:
73:
72:
59:
55:
54:
51:
47:
46:
43:
39:
38:
35:
34:Operating area
31:
30:
15:
13:
10:
9:
6:
4:
3:
2:
1631:
1620:
1617:
1615:
1612:
1611:
1609:
1594:
1593:
1584:
1583:
1580:
1573:
1570:
1567:
1564:
1561:
1558:
1555:
1552:
1549:
1546:
1543:
1540:
1539:
1537:
1535:South America
1533:
1527:
1524:
1523:
1521:
1517:
1511:
1508:
1506:
1503:
1501:
1498:
1494:
1491:
1490:
1488:
1482:
1479:
1478:
1477:
1474:
1473:
1472:
1469:
1467:
1464:
1458:
1455:
1453:
1450:
1449:
1448:
1445:
1443:
1440:
1438:
1435:
1434:
1433:
1430:
1426:
1423:
1421:
1418:
1417:
1416:
1413:
1407:
1404:
1403:
1402:
1399:
1398:
1397:
1394:
1392:
1389:
1387:
1384:
1382:
1379:
1377:
1374:
1372:
1369:
1367:
1364:
1363:
1361:
1359:North America
1357:
1347:
1344:
1342:
1339:
1337:
1334:
1332:
1329:
1327:
1324:
1323:
1321:
1319:International
1317:
1310:
1307:
1304:
1301:
1298:
1295:
1293:
1290:
1287:
1284:
1282:
1279:
1277:
1274:
1271:
1268:
1265:
1262:
1258:
1255:
1253:
1250:
1248:
1245:
1244:
1242:
1239:
1237:(Netherlands)
1236:
1233:
1230:
1227:
1224:
1221:
1218:
1215:
1214:
1212:
1208:
1202:
1199:
1197:
1194:
1192:
1189:
1187:
1184:
1182:
1178:
1175:
1171:
1169:
1166:
1162:
1157:
1154:
1150:
1145:
1142:
1138:
1133:
1130:
1125:
1120:
1117:
1114:
1111:
1108:
1105:
1102:
1099:
1096:
1093:
1090:
1087:
1086:
1083:
1080:
1078:
1075:
1072:
1069:
1066:
1063:
1060:
1057:
1055:
1052:
1050:
1047:
1045:
1042:
1039:
1036:
1034:
1031:
1029:
1026:
1024:(Philippines)
1023:
1020:
1018:
1015:
1013:
1010:
1008:
1005:
1002:
999:
997:
993:
990:
988:
984:
981:
979:
976:
974:
971:
968:
965:
963:
960:
957:
954:
951:
948:
945:
942:
941:
939:
935:
928:
925:
922:
919:
918:
916:
912:
906:
903:
901:
898:
896:
893:
891:
888:
887:
885:
881:
876:
869:
864:
862:
857:
855:
850:
849:
846:
840:
837:
836:
832:
817:on 2006-10-03
816:
812:
806:
803:
790:
786:
779:
776:
763:
759:
752:
749:
738:on 2009-03-02
737:
733:
727:
724:
713:on 2009-02-25
712:
708:
702:
699:
688:on 2010-08-27
687:
683:
677:
674:
663:on 2010-06-08
662:
658:
652:
649:
637:
631:
628:
617:on 2009-02-21
616:
612:
606:
603:
600:
589:on 2009-08-22
588:
584:
578:
575:
564:on 2006-10-03
563:
559:
553:
550:
539:on 2006-10-03
538:
534:
528:
525:
519:
517:
515:
513:
509:
498:on 2006-10-03
497:
493:
487:
484:
473:on 2006-10-03
472:
468:
462:
459:
447:
443:
437:
435:
431:
428:
423:
421:
419:
417:
415:
411:
404:
400:
397:
396:
392:
390:
388:
384:
376:
374:
366:
359:
357:
354:
349:
345:
342:
337:
335:
334:Visa Electron
331:
327:
323:
318:
310:
308:
301:
299:
296:
289:Point of sale
288:
283:
281:
278:
274:
266:
259:
256:
253:
252:
248:
245:
242:
241:
237:
234:
231:
230:
226:
223:
220:
219:
215:
212:
209:
208:
204:
201:
198:
197:
194:transactions
191:
186:
183:
182:
179:
172:
170:
168:
160:Functionality
159:
157:
154:
152:
148:
138:
131:
129:
127:
123:
119:
115:
111:
106:
103:
99:
95:
91:
87:
78:
74:
60:
56:
52:
48:
44:
40:
36:
32:
28:
23:
1585:
1542:Banco24Horas
1296:
1061:(Bangladesh)
952:(Bangladesh)
819:. Retrieved
815:the original
805:
793:. Retrieved
788:
778:
766:. Retrieved
761:
751:
740:. Retrieved
736:the original
726:
715:. Retrieved
711:the original
701:
690:. Retrieved
686:the original
676:
665:. Retrieved
661:the original
651:
640:. Retrieved
630:
619:. Retrieved
615:the original
605:
599:(Portuguese)
598:
591:. Retrieved
587:the original
577:
566:. Retrieved
562:the original
552:
541:. Retrieved
537:the original
527:
500:. Retrieved
496:the original
486:
475:. Retrieved
471:the original
461:
450:. Retrieved
446:the original
380:
371:
368:MB Way logo.
353:home banking
350:
346:
338:
314:
305:
292:
270:
260:900,000,000
249:719,006,591
238:683,764,445
227:631,912,059
216:588,806,749
205:527,417,947
176:
163:
155:
143:
107:
97:
85:
84:
1554:A Toda Hora
1550:(Argentina)
1476:Cardtronics
1264:Carte Bleue
1159: [
1147: [
1135: [
1122: [
1073:(Sri Lanka)
1040:(Hong Kong)
1003:(Singapore)
973:ATM Bersama
969:(Indonesia)
762:E-Konomista
1608:Categories
1556:(Colombia)
1447:First Data
1299:(Portugal)
1297:Multibanco
1252:Cash Group
1243:(Germany)
1229:Bancontact
1091:(Malaysia)
1033:Nationlink
958:(Pakistan)
927:Multicaixa
821:2006-12-19
795:19 January
768:19 January
742:2007-07-07
717:2007-07-07
692:2007-07-07
667:2010-07-07
642:2010-07-07
621:2010-07-07
593:2009-08-18
568:2006-12-19
543:2006-12-19
502:2006-12-19
477:2006-12-19
452:2006-12-19
330:Mastercard
86:Multibanco
20:Multibanco
1566:GlobalNet
1562:(Uruguay)
1493:Interlink
1442:MoneyPass
1305:(Finland)
1270:KoronaPay
1231:(Belgium)
1219:(Ireland)
1109:(Bahrain)
946:(Armenia)
883:Worldwide
877:by region
383:Via Verde
302:Telephone
126:Via Verde
1592:Category
1544:(Brazil)
1481:Allpoint
1366:Acculink
1326:Eufiserv
1292:Vocalink
1281:Sbercard
1272:(Russia)
1266:(France)
1257:CashPool
1241:Girocard
1235:Currence
1223:Bancomat
1186:CashTree
1172:Euronet
1113:UnionPay
1071:LankaPay
1067:(Israel)
1065:Isracard
929:(Angola)
393:See also
317:Internet
311:Internet
267:Security
189:of ATMs
94:Portugal
37:Portugal
1574:(Chile)
1572:Redbanc
1548:Banelco
1519:Oceania
1500:Presto!
1466:Interac
1346:TARGET2
1225:(Italy)
1181:Cashnet
1176:(India)
1128:(Japan)
1115:(China)
1022:BancNet
1007:EZ-Link
996:ATM BNI
987:ATM BCA
923:(Egypt)
789:Público
257:12,700
246:10,723
235:10,085
132:History
66: (
58:Founded
42:Members
1568:(Peru)
1560:Banred
1526:EFTPOS
1505:SHAZAM
1432:fiserv
1386:CarIFS
1210:Europe
1103:(Iran)
1089:PayNet
992:Treats
914:Africa
895:Cirrus
360:Mobile
295:EFTPOS
224:9,521
213:9,032
202:8,482
187:Number
147:Lisbon
110:EFTPOS
53:11,440
1510:Zelle
1489:Visa
1401:Pulse
1303:Otto.
1201:RuPay
1174:BANCS
1168:Yucho
1163:]
1151:]
1144:LONGS
1139:]
1132:BANCS
1126:]
1082:CEFTS
1077:SLIPS
1054:JETCO
1038:CHATS
1012:MEPS+
983:PRIMA
956:1LINK
950:BEFTN
905:SWIFT
638:. SIC
273:Euros
254:2014
243:2005
232:2004
221:2003
210:2002
199:2001
184:Year
173:Usage
151:Porto
122:MBNet
76:Owner
1452:STAR
1420:NYCE
1406:TYME
1286:Link
1191:MITR
1179:FIS
1156:MICS
1017:NETS
978:Link
967:ALTO
962:MNET
944:ArCa
937:Asia
900:Plus
797:2020
770:2020
326:Visa
149:and
120:and
102:ATMs
68:1985
61:1985
50:ATMs
1471:NCR
1457:MAC
1425:SUM
1415:FIS
1381:ATH
1276:Mir
1196:NFS
1119:ACS
1049:FPS
1044:EPS
1028:ENS
1001:atm
921:123
890:CLS
328:or
277:PIN
1610::
1161:ja
1149:ja
1137:ja
1124:ja
787:.
760:.
511:^
433:^
413:^
324:,
153:.
45:27
994:/
985:/
867:e
860:t
853:v
824:.
799:.
772:.
745:.
720:.
695:.
670:.
645:.
624:.
596:.
571:.
546:.
505:.
480:.
455:.
70:)
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