The APProva app is Banco Montepio's strong – even stronger – authentication system. An autonomous application, complementary to Digital Channels and Payment Methods, for private customers and companies that further reduces the risk of fraud in online transactions.

Your safety is important to you and to us. Join the APProva app in just 3 steps:

Step 1:
Download the app: Download the app for free and follow the instructions.

Step 2:
Identification: Insert your NIF (if you are a company, you will also have to insert your NIPC) and your mobile phone number.

Step 3:
Register Profile: Accept the Service Conditions and certify your data by inserting the code sent to you by SMS, to complete the registration of your profile.


Replaces SMS 3D Secure in online purchases with cards.

APProving transactions is now easier and even more secure. And thinking about transactions that require two or more authorizations, the APProva app is ready to support multiple devices and users.

Start APProvar now. Learn more at bancomontepio.pt/approva.