With the growing MB Way popularity in Portugal, many users face a recurring question: rates and commissions. Although the service is practical and widely used, there are limits imposed by the application rules that can translate into unexpected costs.
Tight limits in monthly transfers
MB Way allows, according to its official page, and up to 25 transfers per month or a total of 150 euros a month. However, by exceeding this limit, commissions begin to be applied, which catches many unprepared users.
An alternative that few know
Few know, however, that there is a way to get around these charges, perfectly cool and available to most banking customers. The key is to use the bank app instead of the official MB Way application.
Functionality hidden in the bank app
When choosing the bank itself, the customer can continue to make MB Way transfers without the monthly limit of the main application. That is, it is possible to transfer money to a mobile phone number as usually, but without paying commissions.
In practice, the process remains almost identical. You just need to access your bank’s app, choose the mobile number transfer option or MB Way, enter the recipient number and value, and confirm the operation.
Portuguese banks have already joined this functionality
It should be noted that this functionality is already available in most major national banks, such as Caixa Geral de Depósitos, Millennium BCP, Santander, BPI, among others. Each institution may present slight variations in menus, but the principle is common.
Recipient’s experience remains unchanged
The recipient receives the money exactly the same way as if the transfer had been made by the MB Way app. The final user’s experience does not change, which makes this method even more appealing.
This trick is recommended for those who often use the service, especially for small payments between friends or family. Thus, it is avoided the accumulation of unnecessary rates at the end of the month.
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A tip still little disclosed
Even though it is a known practice among some more attentive users, there are still many who are unaware of this free alternative. Disclosure of this type of information is essential to promote smarter use of digital tools.
Banco de Portugal has already made several alerts
Banco de Portugal, in turn, has already warned in previous occasions to the need for consumers to be well informed about the financial services they use, especially in times of increasing digitization.
However, it should also be seen if the bank in question imposes other limitations or rates specific to this type of operations. Although most do not cover anything, it is always worth confirming.
The best solution for those who use MB Way often
For those who want to continue to use MB Way without surprises on the bank invoice, this can be the best solution available. In addition to being simple, it is within reach of anyone with access to the application of their bank.
The flexibility provided by this alternative can make all the difference to those who use the day to day, especially in periods such as summer, when expenses share become more frequent.
Digital intelligence
Ultimately, this is another example of how small changes in digital habits can result in real savings, without abdicating the convenience and speed that MB Way offers.
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