Portugal
activeNeobank
- HQ
- Lisbon
- Fee
- Simple account often €0 — confirm live
moey!
Crédito Agrícola digital brand. BdP. Portuguese FGD. Not Millennium BCP. Not ActivoBank.
Tap a star to jump to reviews
7.2Solid
AlternativesFive questions
At a glance
Is it a bank?
No. moey! is not a bank. Your money sits with Caixa Central de Crédito Agrícola Mútuo / associated CA boxes.
If it fails?
Portuguese FGD up to €100,000 — moey! is Crédito Agrícola. Shared group cap with CA. Do not double-count.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
€0 maintenance pitch — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.2
/10 · Solid
moey! is a brand of the Crédito Agrícola group. Banco de Portugal. Portuguese FGD up to €100,000, shared with CA. ActivoBank is Millennium BCP — a different FGD pot. Directories still attach moey to BCP because both are Portuguese and green-ish. The footer on moey.pt names Caixa Central de Crédito Agrícola Mútuo. Read it.
What it is
Launched 2019. Amadora operations, Lisbon IBAN. MB WAY is the local rail. This desk will not gift it to Millennium.
Best for: Portugal residents who want a CA current in an app, not BCP’s ActivoBank.
Last checked 2026-08-30. Not advice.
What it does well
- +Named BdP group behind the brand
- +Portuguese FGD
- +DECO PROteste satisfaction nod (2026 window)
- +Not Millennium
What to watch
- −Portugal-resident
- −Shared FGD cap with CA
- −Directories still write Millennium BCP
- −Not a travel FX champion
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Portuguese current
- Partner bank
- Caixa Central de Crédito Agrícola Mútuo
- Minimum balance
- €0
- Lowest monthly fee
- €0 maintenance pitch — confirm live
- Who can open
- Portugal residents
- Availability
- Portugal
How money actually moves
- Who holds the cash
- Issued / held via Caixa Central de Crédito Agrícola Mútuo / associated CA boxes
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- moey! lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Portuguese FGD up to €100,000 — moey! is Crédito Agrícola. Shared group cap with CA. Do not double-count.
Who holds the money: Caixa Central de Crédito Agrícola Mútuo / associated CA boxes
- Banco de Portugal / ECBDigital brand of Caixa Central de Crédito Agrícola Mútuo / CA group. Portuguese FGD · Portugal
Fees
- Monthly
- €0 maintenance pitch — confirm live
- FX markup
- Bank tariff
- ATM
- MB / CA network
Features
- ✓IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Portuguese IBAN
- MB WAY
- €0 maintenance pitch
- FGD via CA
- Not ActivoBank
Score
- Safety25%
- 8.4
- Fees20%
- 8.4
- Features15%
- 7.0
- App15%
- 8.0
- Global15%
- 3.4
- Support10%
- 7.0
Change log
Full logLicence
Crédito Agrícola digital brand — Portuguese FGD
Not Millennium BCP. Not ActivoBank. Shared CA cap.
Available in
Straight answers
FAQ
01Is moey! a bank?
moey! is not a licensed deposit-taker in the classic sense. Money, if any, sits with Caixa Central de Crédito Agrícola Mútuo / associated CA boxes.
02How is money protected?
Portuguese FGD up to €100,000 — moey! is Crédito Agrícola. Shared group cap with CA. Do not double-count.
03Where is moey! available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with moey!.
04Card and wallets?
moey! lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open moey! remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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