{"id":3044,"count":34,"description":"

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.<\/p>\n\n

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.<\/p>\n\n

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En bref<\/strong><\/p>\n \n \n
Type<\/strong><\/td>National payment network (bank reference system)<\/td><\/tr>\n
Pays<\/strong><\/td>\ud83c\uddf5\ud83c\uddf9 Portugal<\/td><\/tr>\n
D\u00e9p\u00f4ts<\/strong><\/td>\u2714 Oui<\/span><\/td><\/tr>\n
Retraits<\/strong><\/td>\u2714 Oui<\/span><\/td><\/tr>\n
D\u00e9lai de traitement<\/strong><\/td>Minutes for deposits; 1 to 3 business days for withdrawals<\/td><\/tr>\n
Honoraires<\/strong><\/td>Usually none at the casino; check your bank's internet banking fees<\/td><\/tr>\n
Op\u00e9rateur<\/strong><\/td>SIBS (Sociedade Interbanc\u00e1ria de Servi\u00e7os)<\/td><\/tr>\n
Mobile variant<\/strong><\/td>MB Way (instant, app-based)<\/td><\/tr>\n <\/tbody>\n <\/table>\n<\/div>\n\n
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What Is Multibanco?<\/h2>\n\n

Multibanco is Portugal's national ATM and interbank payment network, operated by SIBS (Sociedade Interbanc\u00e1ria de Servi\u00e7os). 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.<\/p>\n\n

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.<\/p>\n\n

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.<\/p>\n\n\n\n\n\n
D\u00e9tail<\/th>\nInformations<\/th>\n<\/tr>\n<\/thead>\n
Network operator<\/strong><\/td>SIBS (Sociedade Interbanc\u00e1ria de Servi\u00e7os)<\/td><\/tr>\n
ATM network size<\/strong><\/td>Over 12,000 ATMs across Portugal<\/td><\/tr>\n
Banques soutenues<\/strong><\/td>All major Portuguese banks (CGD, BCP, Santander Totta, BPI, Montepio, Novo Banco, and others)<\/td><\/tr>\n
Vitesse de d\u00e9p\u00f4t<\/strong><\/td>Quelques minutes apr\u00e8s la confirmation du paiement<\/td><\/tr>\n
Vitesse de retrait<\/strong><\/td>1 \u00e0 3 jours ouvrables<\/td><\/tr>\n
Card details required<\/strong><\/td>Non<\/td><\/tr>\n
Mobile variant<\/strong><\/td>MB Way<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n\n

How to Deposit Using Multibanco<\/h2>\n\n

The deposit process starts at the casino and is completed at an ATM or through internet banking. Here's the full sequence.<\/p>\n\n

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Depositing via ATM<\/h3>\n\n
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  1. Connectez-vous \u00e0 votre compte casino et allez dans la section Caissier ou D\u00e9p\u00f4t.<\/li>\n
  2. Select Multibanco as your payment method.<\/li>\n
  3. Saisissez le montant que vous souhaitez d\u00e9poser et confirmez.<\/li>\n
  4. The casino displays an entity number (three digits) and a reference number (nine digits), along with the exact amount and an expiry time.<\/li>\n
  5. Write these down or take a screenshot.<\/li>\n
  6. Go to any Multibanco ATM and insert your card.<\/li>\n
  7. Select \"Payments and Others\" (Pagamentos e Outros) from the menu, then \"Payments\" (Pagamentos).<\/li>\n
  8. Enter the entity number, then the reference number, then confirm the amount.<\/li>\n
  9. Confirm the payment. You'll receive a receipt.<\/li>\n
  10. Your casino balance should update within a few minutes.<\/li>\n<\/ol>\n\n

    Depositing via Internet Banking<\/h3>\n\n
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    1. Complete steps 1 to 5 above to get the entity and reference numbers.<\/li>\n
    2. Log in to your bank's online banking portal or app.<\/li>\n
    3. Navigate to the payments section. Look for \"Pagamentos de Servi\u00e7os\" or similar.<\/li>\n
    4. Enter the entity number, reference number, and amount.<\/li>\n
    5. Confirm the payment. Funds typically appear in your casino account within minutes.<\/li>\n<\/ol>\n\n
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      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.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n

      MB Way: The Mobile Alternative<\/h2>\n\n

      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.<\/p>\n\n

      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.<\/p>\n\n

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      How to Deposit via MB Way<\/h3>\n\n
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      1. 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.<\/li>\n
      2. Log in to your casino account and select MB Way as your deposit method.<\/li>\n
      3. Enter your Portuguese mobile phone number (the one registered on MB Way).<\/li>\n
      4. Saisissez le montant du d\u00e9p\u00f4t et confirmez.<\/li>\n
      5. A push notification or SMS will arrive on your phone. Open the MB Way app and approve the payment.<\/li>\n
      6. The funds appear in your casino account almost instantly.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n\n

        Retraits<\/h2>\n\n

        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.<\/p>\n\n

        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.<\/p>\n\n

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        Gambling in Portugal: The Regulated Market<\/h2>\n\n

        Portugal operates a fully regulated online gambling market under the Regime Jur\u00eddico dos Jogos e Apostas Online (RJJAO). The licensing authority is the Servi\u00e7o de Regula\u00e7\u00e3o e Inspe\u00e7\u00e3o 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.<\/p>\n\n

        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.<\/p>\n\n

        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.<\/p>\n<\/div>\n<\/div>\n\n

        Avantages et inconv\u00e9nients<\/h2>\n\n
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        Avantages<\/h3>\n
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        • Universally available to Portuguese bank account holders<\/li>\n
        • Card details never shared with the casino<\/li>\n
        • Prise en charge des d\u00e9p\u00f4ts et des retraits<\/li>\n
        • MB Way option is instant<\/li>\n
        • No additional accounts or wallets required<\/li>\n
        • Works at ATMs across Portugal if no internet available<\/li>\n
        • Trusted and well-established payment infrastructure<\/li>\n<\/ul>\n<\/div>\n
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          Inconv\u00e9nients<\/h3>\n
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          • Portugal only<\/li>\n
          • ATM method requires going to an ATM for each deposit<\/li>\n
          • Reference codes expire; must generate a fresh one if not paid in time<\/li>\n
          • Withdrawal processing time of 1 to 3 business days<\/li>\n
          • MB Way requires initial setup via your bank<\/li>\n
          • Not all international casinos accept Multibanco<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n

            Questions fr\u00e9quemment pos\u00e9es<\/h2>\n\n
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