Universo Mobile Banking

Universo, IME, S.A.

About this app

About the Universe App
Enter the new financial dimension of Home Banking with the new Universo App. A free application that allows you to quickly join, control and manage your entire Universe, via your cell phone. Do you want to see the balance on your Universo Card, make payments or transfers? Do you want to protect your health and the well-being of your family? Take out a Personal Credit that allows you to bring your projects to life? Ensure a more peaceful future for you and your loved ones, accessing the growth potential of financial markets, without worries? All this and much more in your Universe App.

Advantages of your Universo App
1. Subscription to the Universo Card completely digitally

2. Real-time data query:
- Balance
- Discounts accumulated on each purchase
- Expenses by payment method (3x with interest, End of the Month, etc.)
- Value of the next monthly payment
- Statement history
- Proof of payments for all transactions

3. Online payments and virtual cards:
- Creation and management of virtual cards, for secure online payments
- Online payments in 3x, 6x or 12x, on all websites around the world

4. Management of your personal finances and budget:
- Make payments for purchases/services and payments to the State
- Choose payment methods: 3x, 6x, 12x or End of the Month
- Top up cell phones
- Make transfers to your current account or any other bank account, in Portugal or in the SEPA zone
- Change payment methods for your transactions
- Change the percentage of your monthly payment, associated with the End of the Month modality
- Download proof of payment for all your transactions
- Schedule transfers
- Manage direct debits

5. Personalized and secure management of your Universo card:
- Set usage controls and alerts
- Change your Card PIN
- Replacement of your new card
- Temporarily block and/or replace your card in case of theft or loss
- Associate the Continente Card
- Download proof of payment for all your transactions

6. Subscription and monitoring of credit applications:
- Personal Credit
- Consolidated Credit

7. Insurance underwriting and management:
- Health Insurance
- Home Insurance
- Dental Insurance

8. Subscription and management of Savings & Investment products
- Defensive Investment
. Balanced Investment
- Dynamic Investment

Customer Service
FAQ

Ratings and reviews

Update: Had to update the app and now unable to login at all... Keeps a loop after receive the email, go back to password, get the SMS code and them email again. Over one hour on this terrible app. The app feels like was made by interns and AI. need constant updates and still simple actions are way too complicated to execute.

Too many bugs, the app keeps on crashing.

EDIT: Now you got it all wrong, COOKIE SETTINGS from inside the app? This is really bad execution. Frequent transactions are much harder to find, and there is no more any way to ask for a new credit limit for a card. This one is a shame, the old app had both resources easily available and they were taken away from the users. Do it better, much better, you are slowly going worse on every app update.

What’s new

Novidades desta versão

- Consulta o teu username após o onboarding e entra mais rapidamente no login
- Avança com o teu pedido de Crédito Pessoal com consentimentos mais claros e em conformidade com os requisitos legais
- Melhorámos o texto de confirmação na associação do cartão à wallet, com uma mensagem mais clara e informativa para o utilizador.

Atualiza a app e continua a gerir tudo com mais clareza, segurança e estabilidade