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.

• The Authorization Codes will be requested in the first login to Millenniumbcp.pt and every 90 days;
• To confirm transactions, both on the website and on the Millennium App;
• To consult entries and statements issued for more than 90 days.

The mobile phone is crucial to be able to receive the free SMS sent by the Bank (origin number 3310) with the Authorization Code.

You may update your mobile phone number as follows:

• Through the Contact Centre;
• Using millenniumbcp.pt, menu Area M » Alter mobile phone number;
• At a Millennium bcp Branch.

1. When confirming the data of the transaction, select the option "SMS" and you will receive in the mobile phone number registered at the Millennium bcp, a message containing an Authorization Code specifically generated for that transaction;
2. Read carefully the SMS that, besides the Authorization Code, contains the transaction's data. In case you receive a SMS without having made a transaction, please contact us immediately;
3. Authorize the transaction with the code appearing in the SMS;
4. Each Authorisation Code can only be used to confirm the operation that generated the request for it to be sent via SMS (One Time Password - OTP). Therefore we recommend deleting the message from the mobile phone so that it is not used by mistake afterwards

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.

After selecting the Token to authorize a transaction, you will be requested to enter a type “A” Authorization Code (Signature) or type "I" (Identification), in accordance with the transaction's characteristics. The website confirmation screen will identify the required Authorization Code.

1. Enter the Card with chip in the Token;
2. Select function "A" or "I" according to what is requested on the transaction's screen and hit "OK";
3. Enter in the Token the PIN associated to the card and hit "OK";
4. If the PIN is correct and the requested Authorization Code is of type "I":
• The Token automatically generates the Authorisation Code and returns the response;
• Authorize the transaction by entering in the field “Authorization Code” the code shown by the Token.
5. If the PIN is correct and the requested Authorization Code is of type "A", the Token will request:
• 1st data - corresponds to a data from the transaction you are making. The information to enter in the Token will always appear on the transaction's confirmation screen. After entering the 1st data hit "OK";
• 2nd data - the 2nd data, like the first one, corresponds to an additional element of the transaction you are making, which will appear on the screen. After entering the 2nd data hit "OK";
• 3rd data – to end the transaction, hit "OK", without entering any data.
6. Authorise the transaction by transcribing the Authorisation Code provided by the Token Reader on Token's screen.

The Authorization Code will not be requested in the following operations:

• In the making of low amount payments or transfers. There is a maximum threshold for that exemption; if the amount exceeds that threshold, the Authorization Code will be requested;
• Define your reliable beneficiaries previously using the option Favourites. When you make operations using these favourites, the Authorization Code will not be requested;
• In transfers between accounts with Millennium and with the same holder, the Authorization Code will not be requested;
• Define recurrent parameters, every day, every month, annual… all you have to do is authorize the first one with Authorization Code. The following will be executed without an Authorization Code.