Moey

Moey is a Portuguese digital bank operated by Banco Crédito Agrícola (Crédito Agrícola Group), headquartered in Lisbon, Portugal. The product launched in 2018 and currently sits as subsidiary of Crédito Agrícola, Portuguese cooperative bank. It addresses the portuguese digital bank segment with a defined tier ladder (Free account / Account services) and a public anchor price around free with optional fee for premium services. This 2026 review summarises the operator, plan structure, key features, recent product direction and Subger's tracking tools so subscribers can decide whether to commit.

Quick facts

• Operator: Banco Crédito Agrícola (Crédito Agrícola Group)
• Headquarters: Lisbon, Portugal
• Founded / launched: 2018
• Public-market status: subsidiary of Crédito Agrícola, Portuguese cooperative bank
• Tier ladder (2026): Free account / Account services
• Anchor price reference: free with optional fee for premium services
• Primary delivery surfaces: iOS app, Android app

What is Moey?

Moey is a Portuguese digital bank product run by Banco Crédito Agrícola (Crédito Agrícola Group) out of Lisbon, Portugal. It serves customers who want portuguese digital bank from a named operator with a transparent tier ladder rather than a generic aggregator. The service is sold direct on the operator's site and supporting apps, with billing in the relevant local currency. The 2025-2026 product emphasis follows the operator's broader investment pattern — incremental feature releases, expanded regional availability and tier-ladder refinement.

Category positioning

Moey is positioned as competing with Portuguese digital banks and traditional retail bank app accounts. That framing matters because portuguese digital bank is crowded with both global aggregators and regional incumbents, and the tier structure plus pricing anchor determine whether the product is worth the commitment versus a direct alternative.

Operator and corporate context

Banco Crédito Agrícola (Crédito Agrícola Group) is the named legal entity behind Moey, with primary operations from Lisbon, Portugal. The corporate status is: subsidiary of Crédito Agrícola, Portuguese cooperative bank. That ownership matters for buyers who care about regulatory regime, data-handling jurisdiction and long-term product viability.

Why choose Moey

Tier-ladder fit

The tier ladder is built around: Free account / Account services. The anchor reference price is free with optional fee for premium services, with the per-tier comparison in the pricing table below. Confirm live regional prices on the operator's site and use Subger's true-price tracker for Moey to capture the all-in renewal cost after taxes, FX and any post-promotional step-ups.

2025-2026 product direction

Through 2025 Moey expanded into multi-account family setups and tighter Crédito Agrícola loyalty integration, positioning itself against incumbent Portuguese retail banks.

Feature mix

The current feature set spans both the core capability and operator-specific extras. Buyers should weigh the per-tier feature gating against the recurring cost, and consult the deals page for Moey for any active discount that materially shifts the value calculation.

Moey features that matter in 2026

Highlights of the current feature set:

• 100% digital IBAN account onboarding
• Portuguese MB WAY and SEPA payments
• virtual and physical Visa debit card
• savings goal accounts
• in-app expense categorization
• customer support through chat and phone

The most material change for 2026 buyers is the operator's continued investment in the surfaces above plus the 2025-2026 update noted earlier. Promotional first-period anchors that step up at renewal remain the single most common source of unexpected charges in this category — use the true-price tracker to track those step-ups.

Moey pricing in 2026

The anchor reference for 2026 is free with optional fee for premium services. The full tier comparison:

Subger pairs the public price with the actual all-in cost (taxes, FX conversion, and promotional first-period anchors that may step up at renewal):

Moey apps and platform support

Who Moey fits

Moey is a good match for:

• The category-focused subscriber who wants portuguese digital bank delivered by Banco Crédito Agrícola (Crédito Agrícola Group) rather than a generic global aggregator.
• The mainstream household subscriber evaluating the tier ladder (Free account / Account services) against free with optional fee for premium services pricing.
• The 2026 buyer who specifically wants the operator's most recent feature additions and an active product roadmap as outlined above.
• The cross-device user who needs surfaces such as iOS app, Android app with a credible upgrade path as new devices are added.
• The price-sensitive shopper who wants to track promotional anchors via Subger's true-price tracker and deals page before committing to annual billing.

Cancellation and billing surface

The cancel surface depends on where you signed up:

• Web account — log in at the operator's site, open billing/subscription, and cancel before the renewal date.
• iOS App Store / Google Play — if you subscribed through the app, cancel inside Apple ID or Google Play subscriptions, not just by uninstalling the app.
• Through a partner / reseller — some regional plans are sold through banking, telecom or retail partners; cancellation must run through that partner's billing surface.

Subger's cancel guide for Moey walks through each surface step by step.

How Subger tracks Moey

Subger maintains a continuously-updated reference for Moey subscribers:

• The true-price tracker for Moey records list-price changes plus historical promotional anchors.
• The deals page for Moey surfaces active discounts and limited-time offers.
• The promo codes page for Moey lists stackable codes for new and existing subscribers.
• The cancel guide for Moey explains how to terminate cleanly across each billing surface.

Frequently asked questions

What is Moey and who operates it?

Moey is a Portuguese digital bank service operated by Banco Crédito Agrícola (Crédito Agrícola Group) from Lisbon, Portugal. The product launched in 2018 and currently sits as subsidiary of Crédito Agrícola, Portuguese cooperative bank. It serves the portuguese digital bank category through the surfaces listed above.

How much does Moey cost in 2026?

The current tier ladder is Free account / Account services. The anchor reference is free with optional fee for premium services. Local-currency pricing, promotional first-period anchors and bundled discounts can shift these numbers — confirm the live price on the operator's site and via the true-price tracker before committing.

Is there a free tier or trial for Moey?

The lowest tier in the current ladder is Free account at Free. Whether it counts as a free tier or a trial depends on the operator's regional offer; the deals page for Moey shows any active free-trial promotions.

What changed for Moey in 2025-2026?

Through 2025 Moey expanded into multi-account family setups and tighter Crédito Agrícola loyalty integration, positioning itself against incumbent Portuguese retail banks. Buyers should re-check the tier ladder before renewal, since regional pricing and feature gating sometimes change without retroactive grandfathering.

How is Moey positioned versus alternatives?

Moey is positioned as competing with Portuguese digital banks and traditional retail bank app accounts. The right alternative depends on whether you prioritise this operator's specific tier ladder, regional coverage and corporate backing over a competitor's feature mix.

How do I cancel Moey?

Use the same surface where you signed up (web, App Store, Google Play or partner billing). Subger's cancel guide for Moey covers each surface step by step.

Related Subger references

• True-price tracker for Moey
• Deals page for Moey
• Promo codes for Moey
• Cancel guide for Moey