Universo Mobile Banking 1.75.1

App Universo: The new financial dimension of HOME BANKING! A free application that gives you control of your Universe, allowing you to make payments and transfers easily, subscribe to personal and consolidated credit in a practical and fast way, ensure your protection with a set of diversified insurances for you, your family, and your assets, as well as invest in turnkey financial solutions that give you access to the growth potential of financial markets.

Now with Google Pay!

Our advantages include:

Mobile Banking - Real-time consultations:
- Balance of your accounts;
- Accumulated discounts on each purchase;
- Expenses by Category (food, clothing, entertainment, etc.);
- Expenses by Payment Method (End of Month, 3x with interest, Debit, etc.);
- Value of the next installment;
- Statement history;
- Payment receipts for all your transactions;
- Multibanco reference for advance payment of installments;

Online Payments and Virtual Cards:
- Virtual Cards for secure online payments;
- Online payments in 3x, 6x or 12x on all websites worldwide;

Management of your personal finances and budget:
- Make payments for purchases/services and payments to the State;
- Choose payment method: 3x, 6x, 12x or End of Month;
- Top-up mobile phones;
- Make transfers to your current account or any other bank account, in Portugal or SEPA zone;
- Change the payment method for purchases or payments already made;
- Change the percentage of payment for your purchases made under the End-of-Month payment method;
- Download payment receipts for all your transactions;
- Schedule transfers;
- Split a bill with other Universe clients;
- Manage direct debits;

Personalized management of your Card with complete security:
- Total control and Security;
- Usage Alerts;
- Set spending limits;
- Define controls to alert or refuse specific transactions, such as Internet, contactless, abroad, among others, and notification history;
- Change your card PIN;
- Replace the new card;
- Temporarily block and/or replace your card in case of theft or loss;
- Associate loyalty cards (Continente Card and Worten Resolve Card);
- Download payment receipts for all your transactions;

Online subscription for credit requests:

Personal Credit,

Car Loan

Consolidated Credit

Subscription and management of insurance policies

Health Insurance

Home Insurance

Dental Insurance

Subscription and management of Savings and Investment products
Guaranteed Capital
Defensive Investment
Balanced Investment
Dynamic Investment

Customer Support Service via messaging and consultation of open and closed case histories.