Online Security

Stay alert. Don't fall for it.

Have you noticed anything suspicious? We're here to help.

Customer Support

Always keep security in mind.

Never click links sent by email or text message
Remember: the website and mobile app are the only official ways to access your online banking
Make sure you’re on the official bancomontepio.pt/en website (https://)
Report suspected fraud through our Support Line
Urgent requests.
Messages from the Bank with links.
Messages with spelling mistakes.
Requests to share personal information.
Unknown or suspicious links.
Urgent language can pressure victims into acting without thinking. Messages such as “Your account will be blocked” or “Respond immediately” are warning signs.
Be cautious of messages from the Bank asking you to access your account via links. Do not click! Banco Montepio never sends links to its customers.
Fraudulent messages often contain spelling mistakes, poorly constructed sentences or incorrect translations. These signs may indicate that the communication is not official.
Banks never ask for PINs, passwords or security codes by email, SMS or phone. Never share your personal or banking details without verifying the authenticity of the contact.
Fraudsters use fake websites that closely resemble official ones to steal personal and banking information via SMS or email.

Warning signs.

  • Urgent requests.
  • Messages from the Bank with links.
  • Messages with spelling mistakes.
  • Requests to share personal information.
  • Unknown or suspicious links.
Identify and Act Prevent
Latest scams.
Fake pages in search engines.
Be alert to fake pages that imitate the Banco Montepio website and Net24 login. When searching on Google or another search engine, fraudulent links may appear at the top of the results. Check the URL before clicking (www.bancomontepio.pt/en).
Net24 or APProva blocking alerts.
Be cautious of emails and SMS messages warning that Net24 or the APProva app has been blocked and asking you to take immediate action. Never click on links or enter your Montepio24 login details on pages accessed through these messages.
Money requests via WhatsApp.
Be alert to scams via WhatsApp or SMS where fraudsters impersonate a relative or company and ask you to send money urgently. Do not make any transfer without verifying the request first.
Phone scam.
Be cautious of phone calls allegedly made by the Bank, warning you about fraudulent transactions, account blocks or asking for access codes. Do not share any information.
MB WAY scams.
Never share the code generated through the “Withdraw Money” option in MB WAY, and never disclose your access PIN or MB WAY activation SMS code.

What to do if you suspect fraud.

I received a suspicious call (Vishing)

You received a call from someone claiming to be a Banco Montepio employee and asking for security codes, account details or authorisation for transactions. The call may even appear to come from a genuine number (spoofing), making it more convincing.

 

What to do:

• Hang up as soon as you have any doubts.
• Never share codes or personal information.
• If you receive instructions by SMS after the call, ignore them.
• Contact our Support Line immediately.

 

You can also visit your nearest branch for assistance in reporting the incident.

I’m suspicious of a message or email I received (Smishing/Phishing)

You received an SMS or email allegedly sent by Banco Montepio, with an urgent message about overdue bills, the need to install the M24 app or account deactivation. The message includes a link leading to a fake page designed to imitate the official website.

 

How to act:

• Never reply.
• Never click on links or open/download attachments in emails.
• Regardless of where the email or SMS appears to come from, and even if it refers to a booking or purchase you actually made, remain cautious. Always access the official platform directly (website or app) to check the status of the purchase or booking, avoiding links sent by email or SMS.
• Whenever possible, keep the original email, screenshots of the SMS/email or photos showing the sender’s number or address, the full message, and the date and time it was received. If you have already deleted the message, provide as much information as possible when reporting it.
• Contact our Support Line immediately.

 

You can also visit your nearest branch for assistance in reporting the incident.

I received a payment confirmation/card verification request

You received an email or SMS allegedly sent by a service provider (booking platform, hotel, carrier, sales platform or other service), asking you to confirm a booking/order, verify your card or update your details.

 

How to act:

• Be cautious of any communication outside the official platform, even when it mentions the name of the hotel, platform or carrier (these are likely to be fake pages).
• If an email or SMS contains links, never click on them.
• Always access the official platform directly (website or app) to check the status of your purchase or booking.
• Contact our Support Line immediately.

 

You can also visit your nearest branch for assistance in reporting the incident.

I suspect it’s a fake website (Website Spoofing/SEO Poisoning)

You came across a fraudulent page (phishing) that imitates the official Banco Montepio website and prompts you to enter your Homebanking login credentials, SMS authentication codes, card details or personal information. These pages are often used in combination with smishing or vishing attacks, and their design can be almost indistinguishable from the original.

 

How to act:

• Never enter security codes on pages accessed through external links.
• Always check the website address, making sure it exactly matches Banco Montepio’s official domain: https://www.bancomontepio.pt.
• Contact our Support Line immediately.
• When reporting the incident, include screenshots clearly showing the page URL whenever possible.

 

You can also visit your nearest branch for assistance in reporting the incident.

I have fraudulent transactions on my card

You have noticed card transactions you do not recognise, such as online purchases, payments at unfamiliar stores or subscriptions you did not authorise. In some cases, small initial amounts may be used as a test before higher or recurring charges are made.

 

How to act:

• Be cautious of small amounts or repeated charges you do not recognise.
• Check for any other pending transactions or active direct debit authorisations you do not recognise.
• Block your card immediately if you identify a suspicious transaction.
• Contact our Support Line immediately.

 

You can also visit your nearest branch for assistance in reporting the incident.

If you suspect fraud, act quickly in just 4 steps.

Keep messages, emails, receipts and/or contact details.
Change your passwords and login credentials.
Contact our Support Line and provide all available evidence.
Report the incident to the authorities.
Examples of fraud attempts

Online Security

When in doubt, don’t proceed.
Contact us first.

Custumer Support