“Can a legacy Portuguese cooperative bank compete with pan-European neobanks by shipping its own mobile-first, zero-fee digital account under a challenger brand?”
Moey is the digital-only, mobile-first brand of Caixa Central de Crédito Agrícola Mútuo, one of Portugal's largest cooperative banking groups. Rather than a standalone challenger bank, it operates as an in-house neobank product on the parent group's Portuguese banking licence, positioning as the country's first fully-Portuguese mobile banking solution with no maintenance fees. Product expansion has moved from pure current-account + card to include savings, cashback, personal loans, PSD2 account aggregation ('All In'), and embedded pet / travel insurance — all delivered inside the Crédito Agrícola regulated perimeter.
Moey discloses Caixa Central de Crédito Agrícola Mútuo (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Moey does not disclose a bank charter of its own; its banking services are provided through Caixa Central de Crédito Agrícola Mútuo (in-house).
Moey processes payments through SIBS MB WAY (self-operated via Crédito Agrícola) and SPIN (SIBS instant payments).
Moey's cards are issued through Caixa Central de Crédito Agrícola Mútuo (in-house).
Moey uses Chave Móvel Digital (Portuguese government eID) and footprint for KYC and identity verification.
Moey's lending and capital products are provided by Caixa Central de Crédito Agrícola Mútuo (in-house).
The Embedded Finance Index 2026 maps 5 layers in Moey's stack: Payments / PSP (SIBS MB WAY (self-operated via Crédito Agrícola) and SPIN (SIBS instant payments)); Banking / BaaS (Caixa Central de Crédito Agrícola Mútuo (in-house)); Card issuing (Caixa Central de Crédito Agrícola Mútuo (in-house)); Lending (Caixa Central de Crédito Agrícola Mútuo (in-house) and Moey Personal Loan); KYC (Chave Móvel Digital (Portuguese government eID) and footprint).
Moey is headquartered in Lisbon, Portugal.
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