What is a basic bank account?
Access to the credit intermediary activity
List of authorised credit intermediaries
How to protect yourself from online fraud?
Know your rights when making payments in Europe.
Do you know what the gross domestic product is? What about inflation? (only in Portuguese)
Key tips to protect yourself when choosing online or mobile banking services.
Payment service providers may charge fees for transferring money through payment applications (payment apps). The fees charged may vary depending on whether the payment app is operated by the customer’s payment service provider or by third-party providers.
Payment service providers freely set the cost of transactions made through their payment apps and they may also set exemptions on these transactions.
Fees charged for transactions in these payment apps must be included in the price lists of payment service providers. These price lists are available at all branches, customer assistance points and websites of payment service providers, as well as on this website, via the price list feature.
In the case of transactions made by consumers through payment apps operated by third-party providers, the Law sets out rules on the fees that can be charged for these transactions.
Payment service providers may not charge fees for transfers that do not exceed the following limits:
This means that, for instance, a customer can make 25 transfers of €6 each or five transfers of €30 each free of charge through these payment apps every month.
Customers who hold a basic bank account may make, free of charge, five more transfers not exceeding €30 per transaction every month through payment apps operated by third-party providers.
If one of the limits above is exceeded, the payment service provider may charge a fee up to:
For instance, if a customer transfers €31, a fee may be charged.
Examples of fees charged for a transfer made using the MB WAY app:
Debit card (maximum amount)
Credit card (maximum amount)
Payment service providers may set exemptions or charge fees below the established legal limits.
Decree-Law No 27-C/2000 (only in Portuguese)
Decree-Law No 3/2010 (only in Portuguese)
Payment applications > What are they?
Payment applications > Security precautions
Deposits > Basic bank accounts – What it is