# Banco Montepio

> Source: https://docs.barcoder.ai/docs/wallets/montepio-pt
> research date 2026-06-01 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Montepio — official](https://www.bancomontepio.pt/)

## Key details

- **Launch:** 1844

## Overview

**Banco Montepio** is **Portuguese mutual savings bank** + **Montepio Geral Associação Mutualista ~100%+ controlling as Portuguese mutual society parent** + **one of Portugal's mid-sized commercial banks** + **founded 1844 in Lisbon Portugal as Montepio Geral mutual society** <sup>[1][1], [Portugal report](https://docs.barcoder.ai/docs/payments/PT)</sup>.

## History

**1844 — Montepio Geral mutual society founded in Lisbon Portugal** distinctive Portuguese mutualist banking heritage.

**1991 — Caixa Económica Montepio Geral commercial banking arm spin-off**.

**2014 — Montepio mobile banking app launch**.

## Ownership & operator

**Operating entity**: **Banco Montepio Caixa Económica Montepio Geral** (Portuguese mutual savings bank).

**Major shareholders**: **Montepio Geral Associação Mutualista (Portuguese mutual society) ~100%+ controlling**.

**Regulators**: **Banco de Portugal + ECB**.

## Technical integration

Montepio mobile app (iOS + Android) + bancomontepio.pt online + Banco Montepio branch network across Portugal + Angola + Mozambique + Cape Verde + Montepio Visa + Mastercard cards; SEPA + SEPA Instant + EPC-QR + MB Way (Portuguese national mobile payment scheme + P2P).

## Implementations & partners

**Major Portuguese banking + payments competitors**: [Millennium bcp (Banco Comercial Português)](https://docs.barcoder.ai/docs/wallets/millennium-bcp) (Banco Comercial Português BCP Millennium BCP; ENXTLS: BCP; Portugal's largest private commercial bank by assets) + [Caixa Geral de Depósitos](https://docs.barcoder.ai/docs/wallets/cgd-portugal) (Caixa Geral de Depósitos CGD; Portuguese state-owned commercial bank; Portugal's largest commercial bank by assets + branches) + [Novo Banco](https://docs.barcoder.ai/docs/wallets/novobanco-pt) (Novo Banco; Portuguese commercial bank; Lone Star Funds US private equity ~75%+ controlling) + [Santander Portugal](https://docs.barcoder.ai/docs/wallets/santander-portugal) (Santander Portugal; Banco Santander Spain Portuguese subsidiary) + [Banco BPI](https://docs.barcoder.ai/docs/wallets/banco-bpi) (Banco BPI; CaixaBank Spanish parent ~94%+ controlling; Portuguese commercial bank) + [MB Way](https://docs.barcoder.ai/docs/wallets/mb-way) (MB Way Portuguese national mobile payment scheme + P2P).

**Regulators**: Banco de Portugal + ECB.

## Status

**Active, Portuguese mutual savings bank + Montepio Geral Associação Mutualista ~100%+ controlling as Portuguese mutual society parent + one of Portugal's mid-sized commercial banks + founded 1844 in Lisbon Portugal as Montepio Geral mutual society** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.bancomontepio.pt/ "Montepio — official"
[2]: https://en.wikipedia.org/wiki/Banco_Montepio "Montepio — Wikipedia"
[pt-cro]: https://docs.barcoder.ai/docs/payments/PT

- [1] [Montepio — official][1]
- [2] [Montepio — Wikipedia][2]
- <sup>[Portugal report](https://docs.barcoder.ai/docs/payments/PT)</sup> In-corpus: `reports/countries/PT-portugal.md`

## Source

Biography extracted from [montepio-pt.md](https://docs.barcoder.ai/source/wallets/montepio-pt). See `matrix.md` for standards-support matrix if present.