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Bank transfers with beneficiary confirmation on May 20
As of May 20th, national bank transfers will have prior confirmation from the beneficiary of the money, a feature that Banco de Portugal believes will help reduce fraud.
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Economia Transferências
When a transfer is made between national accounts at a Multibanco ATM, the name of the person or entity that will receive the money appears, allowing the sender to confirm in advance that they are sending money to the correct beneficiary before giving the final transfer order.
This is the functionality that the Banco de Portugal is now extending to all transfers on all channels made available by banks, such as 'homebanking' or the banks' 'app' (application) that customers have on their mobile phones.
This feature will also be present in direct debits to confirm that the debtor is the account holder to be debited.
In the 2023 Payment Systems Report, released today, Banco de Portugal considers that this service will reduce the risk of fraud by minimizing the possibility of sending money to wrong recipients.
As of June 24 (the implementation by banks will be gradual until September), it will be possible to make transfers between national bank accounts (normal or immediate transfers) by entering only the beneficiary's mobile phone number.
In other words, what already happens on the MBWay network will now happen in all transfers between national accounts, whether made in 'homebanking', in the bank's 'app' or at the counter.
If the beneficiary is a company, the sender can simply enter the NIPC (company tax identification number).
In this system, currently called 'proxy lookup', users have to associate their mobile phone number (which can be a foreign mobile phone number) with an account.
Read also: Government points out negative "surprises" in finance, funds and social security (Portuguese version)
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