Universo Mobile Banking
From the USA to Portugal, manage your accounts, pay taxes, and grow your savings with ease. Experience total control with flexible payments, secure SEPA transfers, and integrated Continente rewards, all in one digital space.
Publisher
Category
FinanceDownloads
250K+User Rating
Total Ratings
800Locales
2Discover the interface used by 250K+ users.
The tools that make this app stand out, trusted by 250K+ users.
Easily pay Portuguese taxes, utility bills, and make SEPA transfers without leaving your home in the US.
Split any purchase into 3x, 6x, or 12x installments directly in the app to keep your monthly budget on track.
Sync your Continente Card to track accumulated discounts and rewards, ensuring you're ready for your next visit home.
Insights from user reviews.
Sentiment Score
Summary
The mobile app receives overwhelmingly negative feedback from users, primarily due to widespread issues with logging in and accessing accounts, which often result in generic errors, password reset loops, or failure to receive necessary SMS codes. Many users report a significant regression in functionality and usability with the new app version, describing it as slow, unintuitive, and ridden with bugs, including the return of old issues like virtual card management problems and the removal of useful features like payment simulations. Customer support is a major pain point, with users consistently frustrated by the ineffective AI chatbot and the inability to reach a human representative for critical issues. While some users acknowledge minor aesthetic improvements in the new design and report that 3DS payment authorizations now function correctly, these positives are heavily overshadowed by the app's critical and pervasive functional failures across most user interactions.
Common Themes
Everything you need to know about Universo Mobile Banking.
Description
Latest Version
3.1.0
Size
100.6 MB
First Released
Feb 25, 2025
Join over 250,000 users bridging the distance. From SEPA transfers to Cartão Continente rewards, take full control of your financial life in Portugal with just one tap.
Everything you need to know about Universo Mobile Banking
The App Universo is a free mobile banking application. It allows users to manage their finances, Universo Card, payments, transfers, personal credit, insurance, and investment products from their mobile phone.
The App Universo allows real-time consultation of your Universo Card balance, accumulated discounts, spending by payment method, next monthly payment, statement history, and payment proofs.
Yes, the App Universo enables secure online payments by allowing users to create and manage virtual cards. It also supports online payments in 3x, 6x, or 12x installments on any website.
Yes, users can check their Universo Card's available balance in real-time within the App Universo. The main screen displays the "Saldo disponível" directly.
The Universo Mobile Banking app offers payment for purchases/services and state payments, mobile top-ups, and transfers. It also allows managing direct debits and changing payment methods or monthly percentages.
Yes, the App Universo allows users to subscribe to and monitor both personal credit and consolidated credit requests. This feature is directly available within the application.
The Universo Mobile Banking app supports the subscription and management of Health Insurance, Home Insurance, and Dentist Insurance. These options are accessible within the application.
Yes, the App Universo provides subscription and management options for savings and investment products. These include Defensive, Balanced, and Dynamic Investment plans.
Yes, users can change their Universo Card's PIN securely within the App Universo. The app includes personalized management features for card security settings.
Yes, the Universo Mobile Banking app displays recent transactions under "Último movimento". It also highlights upcoming payments, such as your next Universo Card monthly payment, on the main screen.
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