Frequently asked questions about the Multichannel, User and Authorization codes

You can request new codes in the app or on the website.

In the app, on the login screen, tap on "No access codes yet? Get them here". Then, choose the option "Multichannel Code and User Code" and follow the steps.

On the website, click "Login" and choose the option "I don’t have or don’t remember this code". Next, select the option that best suits you and follow the steps. 

Along with the Multichannel Code, the User Code identifies you as a Customer of Millennium. This code, comprising 6 to 15 characters, is allocated during your app or website registration. Feel free to change it on the website whenever you wish.

Yes, you can change it on the website. After logging in, go to the M area > Customize > Change User Code.

It is a code that allows you to access the website, app, Contact Center and Automated Service (VRS) to make transactions. This code consists of 7 digits and can be obtained in the Millennium App, on the website, at an ATM (Multibanco) or at any branch. We remind you that Millennium never asks for the complete code to authorize transactions.

No, the Multichannel Code also allows you to make transactions in the Millennium App and through the Contact Center.

When you request the Multichannel Code through the app or website, the registration occurs online and concludes with a follow-up call from our team. Alternatively, if you receive the Multichannel Code at a branch, the registration is automated. When you first access the website, we will suggest that you change the User Code (you can change it at any time in the customization area of our website).

You can also register through any ATM by selecting "Outras Operações > Registo no millenniumbcp.pt". Then just set the Multichannel Code. The User Code is assigned automatically.

If you live abroad, the easiest way to request access codes, including the Multichannel Code, is through the Millennium App. In the app, select the menu on the top left corner, followed by the option "Access codes". Then just choose whether you want to get them with Digital Mobile Key or with Video Call, and follow the steps in the app.

To make transactions, you must confirm them with an authorization code. This code is sent by text message, for free, or obtained via token, and can only be used once. You can also confirm transactions with the Multichannel Code, in the app and through the Contact Center.

Some transactions do not require an authorization code, for example:

• Favorites: these are frequent recipients, previously considered reliable by the Customer through an authorization code;
• Trusted entities: when making payments for services, some public entities are considered trustworthy and therefore do not require an authorization code to confirm their transactions. However, there is a maximum limit for this exemption, above which an authorization code will always be requested.

To overcome this, follow these steps:

Your phone number might be outdated. To update it go to:

• The website, "Area M > Change mobile number" (this operation can only be confirmed with an authorization code generated by a Token);
• One of our branches;
• Call the Support Line on 91 827 24 24 / 93 522 24 24 / 96 599 24 24 (mobile network) / (+ 351) 21 005 24 24 (landline network);
• In a CAT machine (Check Dispenser), choose Other > Customer Maintenance > Mobile Number.

Didn't receive the code within the time limit (1 min): you will need to try again later and request a new code by text message, as this may be related to the operator's difficulty in delivering the text message.

You may have blocked the reception of SMS sent by short numbers (four-digit telephone numbers - 3310 MBCP);

You might be able to unblock this by switching off the phone for a short period of time.

The Token is a portable device (similar to a calculator) which, through a slot, reads the chip of a bank card (debit/credit), generates and displays, on the screen, the authorization code to confirm the transaction.

You can buy a token on the website, in the Shopping area, or at a branch.

Whenever you suspect a phishing email or any other fraudulent situation via email, phone, text message, or other, please inform us immediately by forwarding the suspicious original email or a photo of the text message to mensagens.fraudulentas@millenniumbcp.pt.

This email is a noreply inbox, but we analyze every report we receive, and if it compromises the security of our website or app, we disclose it in the security section of our website. If you clicked on the links or attachments in the suspicious message, please contact our support line immediately: 91 827 24 24, 93 522 24 24, 96 599 24 24 (national mobile network) or +351 21 005 24 24 (national landline network).