Free
transfers free
Best for: Splitting a bill, paying the plumber, buying online without handing over your card.
Platforms
iOS + Android
Needs
PT bank + PT number
Setup
~5 min, in your bank app
Sends to
A phone number
Language
PT / EN
Extra
MB NET virtual cards
✓Instant transfers to a phone number, no IBAN
✓Virtual cards for checkouts you don't trust
✓Market stalls and small shops take it
×Needs a Portuguese account and a Portuguese number
×Your bank has to support it — check before relying on a fintech account
From the Apps to download comparison in Lisbon. Prices checked August 2026.