About
Multibanco is Portugal's interbank ATM and payment network, managed by SIBS since its first nine machines opened in Lisbon and Porto on 2 September 1985. For online checkout, the merchant generates a payment reference made of an entity number, a reference number and the amount. The shopper then pays it at any Multibanco ATM or in their bank's home or mobile banking, and the money is debited directly from their bank account. The network had about 13,000 ATMs as of 2025, and it processed more than 693 million operations in 2024, over 55% of them non-cash operations such as bill payments, state payments and transfers.
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