Here in Portugal its "Multibanco" network that is used. That's why "MB way" got that "send money thorugh phone numbers" in 2014, and worked with every bank with

Here in Portugal its "Multibanco" network that is used. That's why "MB way" got that "send money thorugh phone numbers" in 2014, and worked with every bank without commissions. Very few people even have credit cards. Places like restaurants and groceries still usual demand something like "minimum 5/10€ to use card", but those signs are disappearing.