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O chamado “Multibanco”
{{The so-called “Multibanco”}}

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é parte integrante da vida quotidiana em Portugal.
{{is an integral part of everyday life in Portugal.}}

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Mais do que um serviço de ATMs,
{{More than an ATM service,}}

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o Multibanco é o principal meio de pagamento no país
{{Multibanco is the main means of payment in the country}}

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e um exemplo de inovação tecnológica em Portugal.
{{and an example of technological innovation in Portugal.}}

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“Tem Multibanco?”
{{“Do you have Multibanco?”}}

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ou “Tenho de ir ao Multibanco”
{{or “I have to go to the Multibanco”}}

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são frases frequentemente proferidas por quem cá vive.
{{are phrases often uttered by those who live here.}}

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Mas afinal o que é e como surgiu o Multibanco?
{{But what is Multibanco and how did it come about?}}

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Criado pela SIBS (Sociedade Interbancária de Serviços) em 1985,
{{Created by SIBS (Interbank Services Company) in 1985,}}

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a ideia original do serviço era unificar os serviços bancários
{{the original idea of the service was to unify banking services}}

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e estabelecer uma rede de terminais comuns,
{{and establish a network of common terminals,}}

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conhecidos como ‘caixas multibanco’.
{{known as ‘multibank terminals’ / ATMs.}}

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No primeiro ano foram instaladas doze caixas em Lisboa e no Porto.
{{Twelve terminals were installed in Lisbon and Porto in the first year.}}

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Hoje são cerca de treze mil espalhadas pelo país!
{{Today there are around 13 thousand spread across the country!}}

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Os portugueses passaram a poder levantar dinheiro,
{{The Portuguese became able to withdraw money,}}

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fazer transferências, consultar o saldo
{{make transfers, check their balance,}}

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e pagar contas a qualquer hora do dia,
{{and pay bills at any time of the day,}}

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sem precisarem de se deslocar ao balcão da sua instituição bancária.
{{without having to go to their bank branch.}}

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Mais tarde, passou também a ser possível
{{Later, it also became possible to}}

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carregar o saldo do telemóvel,
{{top up mobile phone balance,}}

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comprar títulos de transporte,
{{buy transport tickets,}}

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pagar impostos,
{{pay taxes,}}

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entre muitos outros serviços.
{{among many other services.}}

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O Multibanco também se soube adaptar e inovar
{{Multibanco has also been able to adapt and innovate}}

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o seu serviço ao longo dos anos.
{{its service over the years.}}

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Em 1996, surge o MB PHONE,
{{In 1996, MB PHONE appeared,}}

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que permitia usar o telemóvel para realizar algumas operações.
{{which allowed (people) to use their mobile phones to carry out some operations.}}

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Mais tarde, em 2001,
{{Later, in 2001,}}

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expandiu-se para a internet com o MB NET,
{{it expanded to the internet with MB NET,}}

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tendo voltado para a palma das nossas mãos outra vez,
{{having returned to the palm of our hands again,}}

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em 2015, com o MB WAY.
{{in 2015, with MB WAY.}}

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Com um “smartphone”
{{With a smartphone}}

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é hoje possível criar cartões de crédito temporários,
{{it is now possible to create temporary credit cards,}}

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pagar e dividir despesas,
{{pay and split expenses,}}

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assim como enviar dinheiro para outras contas bancárias
{{as well as send money to other bank accounts}}

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usando apenas o número de telemóvel.
{{using just a mobile phone number.}}

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