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If you have a Portuguese bank account, Multibanco is likely how you already pay for most things online. It's Portugal's national payment network, and virtually every Portuguese bank customer uses it. For online casino deposits, it's one of the most reliable and widely supported methods available to players in Portugal, and it supports withdrawals as well.
The way Multibanco works at online casinos is slightly different from card payments or e-wallets. You don't enter card details at the casino. Instead, the casino generates a payment reference, and you complete the payment through your bank's ATM or internet banking. It sounds like an extra step, but it's a system Portuguese players already know well from paying bills and subscriptions.
En bref
Type
National payment network (bank reference system)
Pays
🇵🇹 Portugal
Dépôts
✔ Oui
Retraits
✔ Oui
Délai de traitement
Minutes for deposits; 1 to 3 business days for withdrawals
Honoraires
Usually none at the casino; check your bank's internet banking fees
Opérateur
SIBS (Sociedade Interbancária de Serviços)
Mobile variant
MB Way (instant, app-based)
What Is Multibanco?
Multibanco is Portugal's national ATM and interbank payment network, operated by SIBS (Sociedade Interbancária de Serviços). It was launched in 1985 and has become embedded in how Portuguese people handle everyday financial transactions. ATM withdrawals, bill payments, purchases, and now mobile payments all run through the Multibanco infrastructure.
What makes Multibanco unique for online payments is the entity/reference system. Rather than keying in a card number, you pay by entering a three-digit entity code and a nine-digit reference that the merchant generates for each transaction. This reference is tied to a specific payment amount and has a defined expiry time. You enter these details at any Multibanco ATM or through your bank's home banking portal, confirm the payment, and it's done. The merchant is notified automatically.
This reference-based approach means your card details are never exposed to the online merchant. The payment is handled entirely through the banking system, with the casino only receiving a notification that a payment matching their reference was completed.
Détail
Informations
Network operator
SIBS (Sociedade Interbancária de Serviços)
ATM network size
Over 12,000 ATMs across Portugal
Banques soutenues
All major Portuguese banks (CGD, BCP, Santander Totta, BPI, Montepio, Novo Banco, and others)
Vitesse de dépôt
Quelques minutes après la confirmation du paiement
Vitesse de retrait
1 à 3 jours ouvrables
Card details required
Non
Mobile variant
MB Way
How to Deposit Using Multibanco
The deposit process starts at the casino and is completed at an ATM or through internet banking. Here's the full sequence.
Depositing via ATM
Connectez-vous à votre compte casino et allez dans la section Caissier ou Dépôt.
Select Multibanco as your payment method.
Saisissez le montant que vous souhaitez déposer et confirmez.
The casino displays an entity number (three digits) and a reference number (nine digits), along with the exact amount and an expiry time.
Write these down or take a screenshot.
Go to any Multibanco ATM and insert your card.
Select "Payments and Others" (Pagamentos e Outros) from the menu, then "Payments" (Pagamentos).
Enter the entity number, then the reference number, then confirm the amount.
Confirm the payment. You'll receive a receipt.
Your casino balance should update within a few minutes.
Depositing via Internet Banking
Complete steps 1 to 5 above to get the entity and reference numbers.
Log in to your bank's online banking portal or app.
Navigate to the payments section. Look for "Pagamentos de Serviços" or similar.
Enter the entity number, reference number, and amount.
Confirm the payment. Funds typically appear in your casino account within minutes.
The reference generated by the casino is usually valid for a limited time, often between 30 minutes and 24 hours. If yours expires before you complete the payment, simply generate a new one from the casino cashier.
MB Way: The Mobile Alternative
MB Way is the smartphone-based payment service built on top of the Multibanco infrastructure. It was launched by SIBS in 2014 and has seen rapid adoption across Portugal. Unlike the traditional reference system, MB Way enables instant payments directly from your bank account through the MB Way app, without needing to go to an ATM or log into internet banking separately.
For online casino deposits, MB Way payments are typically processed instantly. The casino sends a payment request to your MB Way account (associated with your mobile number), you approve it in the app, and the funds arrive immediately. This makes MB Way considerably faster and more convenient than the traditional Multibanco reference method for players who already have the app set up.
How to Deposit via MB Way
Make sure you have the MB Way app installed and linked to your bank account. This is done through your bank's own app or directly through MB Way.
Log in to your casino account and select MB Way as your deposit method.
Enter your Portuguese mobile phone number (the one registered on MB Way).
Saisissez le montant du dépôt et confirmez.
A push notification or SMS will arrive on your phone. Open the MB Way app and approve the payment.
The funds appear in your casino account almost instantly.
Retraits
Both Multibanco and MB Way support withdrawals at online casinos, which is a significant advantage over many prepaid and voucher methods. Withdrawal processing typically takes one to three business days, depending on the casino's processing time and your bank's receiving schedule.
For MB Way withdrawals, some casinos can send funds directly to your linked phone number and bank account. For standard Multibanco withdrawals, the casino will usually transfer directly to your bank account via IBAN. You'll need to have provided your IBAN to the casino and have your account verified before withdrawals are processed.
Gambling in Portugal: The Regulated Market
Portugal operates a fully regulated online gambling market under the Regime Jurídico dos Jogos e Apostas Online (RJJAO). The licensing authority is the Serviço de Regulação e Inspeção de Jogos (SRIJ), a division of the Tourism Authority. Operators wanting to offer online casino games to Portuguese residents must hold a licence from SRIJ.
Portuguese-licensed casinos are required to support payment methods that are practical for Portuguese players, and Multibanco/MB Way typically features prominently in licensed operators' cashier pages. Playing at a SRIJ-licensed casino also means player funds are subject to Portuguese consumer protections.
Some Portuguese players also use international casinos licensed in Malta or Gibraltar. These operators may or may not accept Multibanco. If Multibanco support is important to you, check the cashier options before registering.
Avantages et inconvénients
Avantages
Universally available to Portuguese bank account holders
Card details never shared with the casino
Prise en charge des dépôts et des retraits
MB Way option is instant
No additional accounts or wallets required
Works at ATMs across Portugal if no internet available
Trusted and well-established payment infrastructure
Inconvénients
Portugal only
ATM method requires going to an ATM for each deposit
Reference codes expire; must generate a fresh one if not paid in time
Withdrawal processing time of 1 to 3 business days
MB Way requires initial setup via your bank
Not all international casinos accept Multibanco
Questions fréquemment posées
For ATM payments, yes, you need a Portuguese bank card to access the ATM terminal. For internet banking payments, you only need access to your bank's online portal, not the physical card. MB Way doesn't require the physical card either, just the app set up with your bank account.
The expired reference becomes invalid and the payment cannot be completed against it. Go back to your casino cashier and generate a new reference for the same amount. The process resets cleanly, no harm done. Just check the expiry time shown with each reference and plan accordingly.
MB Way can be set up through your bank's mobile app. Most Portuguese banks have integrated MB Way activation directly in their app under payments or services settings. You link your mobile phone number to your bank account, choose a four-digit MB Way PIN, and you're ready to go. The setup process takes a few minutes and you only do it once. The official MB Way app is available on iOS and Android.
Multibanco is widely accepted at Portuguese-licensed casinos regulated by SRIJ. A number of international operators also support it, particularly those with a specific focus on the Portuguese market. The casino filter above shows which operators currently accept Multibanco. If you're considering a specific casino not listed, check their cashier page or contact their support before registering.
Some casinos support MB Way withdrawals, where funds are sent back to your linked bank account. Others process Multibanco withdrawals as standard bank transfers to your IBAN. The specific options available depend on the casino. Check the withdrawal section of the cashier or contact support to confirm the available methods for your account.
Résumé
Multibanco is the natural payment choice for Portuguese players at online casinos. It uses banking infrastructure that Portuguese residents already rely on for everyday payments, requires no new accounts or apps beyond what most people already have, and supports both deposits and withdrawals.
MB Way is the faster option for players who want instant deposits without a trip to the ATM. Once set up through your bank, it's as simple as approving a notification on your phone. For players who prefer the traditional reference method, the ATM and internet banking routes are reliable and universally accessible across all Portuguese banks.
For a wider look at which casinos accept Portuguese players and what options are available, the casino list above is filtered specifically for Multibanco acceptance.
