BUY
  • 1 EGP = 0.049334 EUR | 1 EUR = 20.269996 EGP
  • 1 USD = 0.879017 EUR | 1 EUR = 1.137634 USD
  • 1 SCP = 1.072501 EUR | 1 EUR = 0.932400 SCP
  • 1 GBP = 1.072501 EUR | 1 EUR = 0.932400 GBP
  • 1 TND = 0.264460 EUR | 1 EUR = 3.781290 TND
  • 1 CHF = 0.875153 EUR | 1 EUR = 1.142657 CHF
  • 1 AED = 0.214525 EUR | 1 EUR = 4.661461 AED
  • 1 SEK = 0.087344 EUR | 1 EUR = 11.448983 SEK
  • 1 ZAR = 0.055315 EUR | 1 EUR = 18.078279 ZAR
  • 1 RUB = 0.011763 EUR | 1 EUR = 85.012327 RUB
  • 1 NOK = 0.094923 EUR | 1 EUR = 10.534855 NOK
  • 1 MAD = 0.085146 EUR | 1 EUR = 11.744533 MAD
  • 1 MXN = 0.042299 EUR | 1 EUR = 23.641221 MXN
  • 1 MOP = 0.097759 EUR | 1 EUR = 10.229237 MOP
  • 1 JPY = 0.007690 EUR | 1 EUR = 130.039012 JPY
  • 1 IEP = 1.072501 EUR | 1 EUR = 0.932400 IEP
  • 1 INR = 0.011211 EUR | 1 EUR = 89.198109 INR
  • 1 HUF = 0.002662 EUR | 1 EUR = 375.657400 HUF
  • 1 HKD = 0.100625 EUR | 1 EUR = 9.937888 HKD
  • 1 DKK = 0.125724 EUR | 1 EUR = 7.953931 DKK
  • 1 CZK = 0.035078 EUR | 1 EUR = 28.507897 CZK
  • 1 HRK = 0.122900 EUR | 1 EUR = 8.136697 HRK
  • 1 CNY = 0.110935 EUR | 1 EUR = 9.014288 CNY
  • 1 CVE = 0.008684 EUR | 1 EUR = 115.154307 CVE
  • 1 CAD = 0.650185 EUR | 1 EUR = 1.538024 CAD
  • 1 AUD = 0.585161 EUR | 1 EUR = 1.708931 AUD
  • 1 RON = 0.192034 EUR | 1 EUR = 5.207411 RON
  • 1 TRY = 0.137884 EUR | 1 EUR = 7.252473 TRY
  • 1 XOF = 0.001270 EUR | 1 EUR = 787.401575 XOF
  • 1 PLN = 0.209391 EUR | 1 EUR = 4.775754 PLN
  • 1 BRL = 0.207888 EUR | 1 EUR = 4.810282 BRL
  • 1 THB = 0.025253 EUR | 1 EUR = 39.599256 THB
  • 1 ILS = 0.221675 EUR | 1 EUR = 4.511109 ILS
  • 1 KRW = 0.000663 EUR | 1 EUR = 1,508.295626 KRW
  • 1 NZD = 0.499004 EUR | 1 EUR = 2.003992 NZD
  • 1 SGD = 0.573025 EUR | 1 EUR = 1.745125 SGD
  • 1 QAR = 0.216440 EUR | 1 EUR = 4.620218 QAR
  • 1 SAR = 0.201344 EUR | 1 EUR = 4.966624 SAR
  • 1 BGN = 0.435149 EUR | 1 EUR = 2.298063 BGN
  • 1 IDR = 0.000055 EUR | 1 EUR = 18,181.818182 IDR
  • 1 VND = 0.000033 EUR | 1 EUR = 30,303.030303 VND
  • 1 DOP = 0.015028 EUR | 1 EUR = 66.542454 DOP
  • 1 PHP = 0.014747 EUR | 1 EUR = 67.810402 PHP
  • 1 MYR = 0.184417 EUR | 1 EUR = 5.422494 MYR
  • 1 COP = 0.000238 EUR | 1 EUR = 4,201.680672 COP
  • 1 NAD = 0.047250 EUR | 1 EUR = 21.164021 NAD
  • 1 KHR = 0.000184 EUR | 1 EUR = 5,434.782609 KHR
  • 1 ARS = 0.013379 EUR | 1 EUR = 74.744002 ARS
  • 1 CLP = 0.001012 EUR | 1 EUR = 988.142292 CLP
  • 1 ISK = 0.006507 EUR | 1 EUR = 153.680652 ISK
  • 1 XAF = 0.001270 EUR | 1 EUR = 787.401575 XAF
  • 1 UAH = 0.030464 EUR | 1 EUR = 32.825630 UAH
  • 1 MZN = 0.012787 EUR | 1 EUR = 78.204426 MZN
SELL
  • 1 EGP = 0.074002 EUR | 1 EUR = 13.513148 EGP
  • 1 USD = 0.923864 EUR | 1 EUR = 1.082410 USD
  • 1 SCP = 1.173048 EUR | 1 EUR = 0.852480 SCP
  • 1 GBP = 1.173048 EUR | 1 EUR = 0.852480 GBP
  • 1 TND = 0.396689 EUR | 1 EUR = 2.520866 TND
  • 1 CHF = 0.949906 EUR | 1 EUR = 1.052736 CHF
  • 1 AED = 0.274115 EUR | 1 EUR = 3.648104 AED
  • 1 SEK = 0.097361 EUR | 1 EUR = 10.271053 SEK
  • 1 ZAR = 0.064666 EUR | 1 EUR = 15.464077 ZAR
  • 1 RUB = 0.016635 EUR | 1 EUR = 60.114217 RUB
  • 1 NOK = 0.105523 EUR | 1 EUR = 9.476607 NOK
  • 1 MAD = 0.117076 EUR | 1 EUR = 8.541460 MAD
  • 1 MXN = 0.051699 EUR | 1 EUR = 19.342734 MXN
  • 1 MOP = 0.124914 EUR | 1 EUR = 8.005508 MOP
  • 1 JPY = 0.008737 EUR | 1 EUR = 114.455763 JPY
  • 1 IEP = 1.173048 EUR | 1 EUR = 0.852480 IEP
  • 1 INR = 0.014440 EUR | 1 EUR = 69.252078 INR
  • 1 HUF = 0.003422 EUR | 1 EUR = 292.226768 HUF
  • 1 HKD = 0.128801 EUR | 1 EUR = 7.763915 HKD
  • 1 DKK = 0.139501 EUR | 1 EUR = 7.168407 DKK
  • 1 CZK = 0.042874 EUR | 1 EUR = 23.324159 CZK
  • 1 HRK = 0.154503 EUR | 1 EUR = 6.472366 HRK
  • 1 CNY = 0.141997 EUR | 1 EUR = 7.042402 CNY
  • 1 CVE = 0.009752 EUR | 1 EUR = 102.543068 CVE
  • 1 CAD = 0.719994 EUR | 1 EUR = 1.388900 CAD
  • 1 AUD = 0.652916 EUR | 1 EUR = 1.531591 AUD
  • 1 RON = 0.241415 EUR | 1 EUR = 4.142245 RON
  • 1 TRY = 0.186549 EUR | 1 EUR = 5.360522 TRY
  • 1 XOF = 0.001694 EUR | 1 EUR = 590.318772 XOF
  • 1 PLN = 0.255922 EUR | 1 EUR = 3.907441 PLN
  • 1 BRL = 0.234427 EUR | 1 EUR = 4.265720 BRL
  • 1 THB = 0.033912 EUR | 1 EUR = 29.488087 THB
  • 1 ILS = 0.283252 EUR | 1 EUR = 3.530425 ILS
  • 1 KRW = 0.000847 EUR | 1 EUR = 1,180.637544 KRW
  • 1 NZD = 0.637617 EUR | 1 EUR = 1.568340 NZD
  • 1 SGD = 0.732198 EUR | 1 EUR = 1.365751 SGD
  • 1 QAR = 0.276562 EUR | 1 EUR = 3.615826 QAR
  • 1 SAR = 0.268458 EUR | 1 EUR = 3.724977 SAR
  • 1 BGN = 0.584343 EUR | 1 EUR = 1.711324 BGN
  • 1 IDR = 0.000074 EUR | 1 EUR = 13,513.513514 IDR
  • 1 VND = 0.000045 EUR | 1 EUR = 22,222.222222 VND
  • 1 DOP = 0.020180 EUR | 1 EUR = 49.554014 DOP
  • 1 PHP = 0.019803 EUR | 1 EUR = 50.497399 PHP
  • 1 MYR = 0.247645 EUR | 1 EUR = 4.038038 MYR
  • 1 COP = 0.000315 EUR | 1 EUR = 3,174.603175 COP
  • 1 NAD = 0.070200 EUR | 1 EUR = 14.245014 NAD
  • 1 KHR = 0.000260 EUR | 1 EUR = 3,846.153846 KHR
  • 1 ARS = 0.020068 EUR | 1 EUR = 49.830576 ARS
  • 1 CLP = 0.001488 EUR | 1 EUR = 672.043011 CLP
  • 1 ISK = 0.008874 EUR | 1 EUR = 112.688754 ISK
  • 1 XAF = 0.001694 EUR | 1 EUR = 590.318772 XAF
  • 1 UAH = 0.041779 EUR | 1 EUR = 23.935470 UAH
  • 1 MZN = 0.019607 EUR | 1 EUR = 51.002193 MZN
EN
BUY
U
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D
0.879017 €

Cash4Travel and PSD*

What are the advantages of the Unicâmbio Prepaid Card when compared with a credit or debit card?

Security. It is common knowledge that the risks of credit and debit cards cloning are increasingly higher, which may result in property losses. Because the Unicâmbio Prepaid card is not associated to a bank account your money is not at risk. When buying on the internet, making payments on a POS or making ATM withdrawals you will always feel reassured.

The Unicâmbio Prepaid Card allows you to fix the exchange rate in 5 available currencies. Debit or credit cards are subject to exchange rate variations. In this case the Client is exposed to possible rate differences due to the fact that exchange rates vary between the buying moment and the rate determination. With our Unicâmbio Prepaid Card you know exactly how much you are going to spend because the applicable exchange rate is fixed at the moment you load your card with a foreign currency, and not during an ATM withdrawal or a payment.

The Unicâmbio Prepaid Card has more reduced commissions. Usually commissions on credit or debit cards are significantly higher than those charged on the Unicâmbio Prepaid Card.

How does the Unicâmbio Prepaid card work?

The Unicâmbio Prepaid Card can be used at ATM’s to withdraw money, to pay for goods or services at any retail outlet or via internet. Prepaid Mastercard cards are accepted at over 35.9 million locations worldwide displaying the Mastercard Acceptance Mark.

What currencies are available to be loaded into my Unicâmbio Prepaid card?

The 5 available currencies are:
  • USD – US Dollar 
  • EUR - Euro 
  • GBP – Sterling Pound 
  • BRL – Brazilian Real 
  • CHF – Swiss Francs 
With the Unicâmbio Prepaid Card you know exactly how much you are paying for any currency you purchase.

If your card has a balance in a currency different from the one you are using in a specific transaction your card will automatically convert the amount in question into the applicable 1 currency. In this case it will be subject to the exchange rate in force at the moment of conversion defined by the Mastercard® network.

Is the Unicâmbio Prepaid Card safe?

Yes. The Unicâmbio Prepaid Card has all the safety features established by Mastercard®.

Many Clients do not realise that when carrying only bank notes they can lose everything in case of theft.
In the case of a Unicâmbio Prepaid Card the card balance will be blocked and may immediately be transferred to an emergency card from the moment the theft is reported (if an emergency card has been purchased) or to a replacement card to be issued at the Clients’ request.
Be the first to contribute to your own security by not revealing your PIN or personal data to anyone.

Where can I buy my Unicâmbio Prepaid Card?

At any Unicâmbio's location or at www.unicambio.pt.

Can I buy it abroad?

If you are abroad, you can order it online at www.unicambio.pt. However the card can only be sent by post to an address in Europe (SEPA).

What are the requirements to buy a Unicâmbio Prepaid Card?

If you prefer a card with a maximum monthly balance of 150€ (SDD card type) all you have to do is provide some personal data: name, address, telephone number, email address and ID card number.

Should you wish to increase the annual load limit up to 100.000 € (KYC card type) just scan and upload your ID card (citizen card or Passport) and a proof of address (any invoice in your name issued during the last three months is enough), and send them by email following the instructions shown on the system or to info@unicambio.pt. The sent documents will be subject to approval by central services.

Can the Unicâmbio Prepaid Card be transferred to anyone?

No, the card is personal and should not be given away.

How do I activate my card?

Just send an SMS* with the word PIN followed by a blank space and the card's last 8 digits (of the total 16) to Unicâmbio, +351 962 233 247.
You will immediately receive another SMS confirming the card activation and PIN. Sign your name on the back of the card.

*The text message will be charged according to the standard rate in force by your mobile network.

Are all cards the same?

No. There are two types of cards with different characteristics so that you can choose the best option for you: the anonymous card, the SDD card and the KYC card.
Apart from other distinguishing features in the operations available for each one of them the main difference lies in the limits that each card may bear. See table below. 

 Types of card  Loading (limits)  Features
 SDD € 150 per month. The max balance is € 150. Does not allowed ATM withdrawals. Allows payments of goods and services.
 KYC  6000€ / day and 100,000€ / year maximum. The card balance may not exceed 15000€  Can be associated to debit / credit cards, and can be loaded by bank transfer

Can the Unicâmbio Prepaid Card be used to shop online?

Yes.
All you have to do is supply the 16 digits on your card, the security number on the back of the card (3 digits) and the validity date shown on the card under "valid through". This card is not valid to be used to pay for adult websites, betting sites or to carry out any illicit activity.

Is it safe to use the card online?

Yes. We guarantee the privacy and security of the Clients that use the card online. Personal data such as name, address and others are secured by advanced cryptographic systems while being sent and kept in high security servers. In any case, while shopping online, make sure the site you are using is secure and use an https connection. Unicâmbio cannot be held responsible for the relations between our clients and the site being used, and it is up to the Clients to ensure the repute of the website in question and delivery conditions of goods or services that are being paid for.

Use of the Unicâmbio Prepaid card in Hotels and Car Rentals. How to do it?

Some hotels and rent-a-car companies may require a down payment or some sort of collateral for the use of their services. We recommend that you do not use your prepaid card to carry out this type of transaction because your card balance may be retained for the amount in question up to the date the commercial establishment cancels the pre-authorisation.
Tip: use a credit card to make the hotel reservation and when checking out use your prepaid card.
The Unicâmbio Prepaid Card is accepted in all Mastercard network. Prepaid Mastercard cards are accepted at over 35.9 million locations worldwide displaying the Mastercard Acceptance 3 Mark as long as they are online (it does not work with onboard sales, toll gates and some service stations.

How can I withdraw money from an ATM?

The Unicâmbio Prepaid Card works at ATMs with the Mastercard logo and a PIN reading system.

Is there a minimum or a maximum amount limit on withdrawals?

There are in fact limits which vary according to the definitions established by the ATM managing company.

How do I reload my Unicâmbio prepaid card?

  • By bank transfer. Please refer to acceptance conditions by logging in at www.unicambio.pt and accessing your Personal Area at the Client’s Page link. 
  • By debit or credit card. Please refer to acceptance conditions by logging in at www.unicambio.pt and accessing your Personal Area at the Client’s Page link.
  • At any location of Unicâmbio’s network.

Can I withdraw my card´s balance?

You can withdraw the remaining balance in your card at any of Unicâmbios' locations. This payment will be carried out in Euros after conversion of all currencies in the card.

How can I check my transactions?

You can obtain all the information regarding your card's activity:
  • Through the internet at www.unicambio.pt, "Login" option on the top right-hand corner. In order to register please select the "I do not have a password" option and then insert both your card number and PIN. The password of your choice and a security question will be asked.
  • Through the Unicambio APP Card on your mobile available at the Play Store (for android) and APP Store (for IOS). You can access the APP by using the password previously defined as your internet login.
  • By email to info@Unicambio.pt provided you use the email address indicated when you applied for the card

What type of operations can I carry out by either the internet or the APP?

All operations available will depend firstly on the type of card you have applied for. The KYC card has a larger variety of functions amongst which is the possibility of loading your card through a debit or a credit card, or even a bank transfer.

Internet
  1. Alteration of your email contact
  2. Register of debit or credit card when loading your prepaid card
  3. Information on how to carry out a bank transfer in order to load your prepaid card
  4. Transfer of amounts from your card to any other Unicâmbio card
  5. Applying for a secondary card
  6. Convert a foreign currency in your prepaid card into a different currency in order to increase the value of your card balance
  7. Transaction records and statement
  8. Communication of card theft or loss
APP
  1. Personal data query
  2. Transaction records
  3. Prepaid card loading through a debit or credit card (previously registered via internet)
  4. Transfer of amounts from the prepaid card to any other Unicâmbio card
  5. ATM tracker

What should I do in case of loss or theft of my prepaid card?

Immediately contact the Client Support Service. Portugal: 800 507 077; abroad: +351 213 429 760

Client Support Service


Our Client Support Service team is available everyday from 9 am to 7 pm except on 25th December and 1st January:
  • Portugal - 800 507 077;
  • Abroad +351 213 429 760
After 7 pm you may choose one of these automatic options available on our website:
  • Communication of card theft or loss
  • Obtaining the PIN
 
Loss or theft
The loss or theft of a debit or credit card causes inconvenience and a certain period of time usually elapses between the phone call requesting a card cancellation and the receipt of a new card and PIN. With the Unicâmbio Prepaid Card, when you apply for your card online you are also entitled to an emergency card (activated by a simple text message) at which point your lost or stolen card's balance will be immediately transferred to the emergency one.

You can report your card's theft / loss through the relevant option in your Personal Area - all you have to do is login at www.unicambio.pt or contact our Client Support Service. However it will not be possible to reactivate your lost / stolen card, but you can always recover its balance.

You can also temporarily suspend the use of the card through your online Personal Area. You can also suspend your card with a text message if you are not sure whether it was lost, stolen or simply misplaced. If the card is eventually found, you can always reactivate it with a text message.

The text message should be sent to +351 962 233 247 with the following message: the word LOCK, blank space and the 4 last digits of your card number. For security reasons the text message should be sent from the telephone number that you have originally indicated on the records. 

* What is the payment services directory PSD2?

The European legislator sought to promote the standardization of the legal framework for the provision of payment services in the European Union with the publication of Directive 2007/64 / EC of the European Parliament and of the Council of 13 November 2007 on payment services in the European Union internal market (DSP1). DSP1 has fostered transparency of conditions applicable to payment services by defining the applicable information requirements, user rights and payment service providers' obligations.
 
In order to update the regulatory framework for payment services and to promote European integration in this area, the European Parliament and Council approved Directive (EU) 2015/2366 of 25 November (revised Payment Services Directive, or DSP2). This Directive should be transposed into the internal legal order of the Member States of the European Union by 13 January 2018.
 

* What new comes with PSD2?

  • Extension of the scope of the PSD2 regime to transactions in which at least one of the payment service providers is located in the European Union and to any other currency;
  • Introduces new rules regarding liabilities for unauthorized payment transactions;
  • Regulates new payment services that have emerged in the market, such as Account Information Service Providers (AISP) and Payment Initiation Service Providers (PISP);
  • At the security level, introduces strong client authentication rules as default in non-face-to-face transactions.
 

* What are account information services providers (AISP)?

The account information services allow the user to aggregate information on accounts held in one or more payment service providers (eg banks or other payment service providers) in a single application or website, such that these accounts are accessible online.

* What does strong authentication mean in DSP2?

Strong client authentication means that whenever the user initiates an electronic payment, the payment service provider must request at least two elements from three categories:
 
(i) something only the user knows, for example a static password;
(ii) something that only the user has, for example, an authentication device (token) or a mobile phone;
(iii) some feature inherent to the user, for example, a biometric element.

At least one of the elements must be non-reusable, non-reproducible and unsusceptible to be surreptitiously obtained by third parties.
 

* What are the new rules regarding unauthorized operations?

Among other measures, DSP2 also strengthens the safeguards of the payment service user against the execution of unauthorized payment transactions:
  • Decreases the maximum amount to be borne by the consumer in an unauthorized payment transaction, from € 150 to € 50 (except in cases of fraud or gross negligence);
  • De-responsibility for consumers in the case of online transactions where the payment service provider does not require strong authentication procedures (unless the consumer acts fraudulently).
 

* What are payment initiation services providers (PISP)?

Payment initiation services offer consumers the ability to initiate online payment transactions (for example, when they make a purchase on the merchant's website) immediately, without having to interact directly with the payment service provider in which the account is domiciled. It will be the payment initiation service provider with whom you have contracted the service that, on your behalf, accesses the account and performs the operation.

* What do PSD2 represent for the pre-payment card industry?

E-Money institutions, as Prepaid Financial Services Limited (PFS) issuer of the prepaid card, are covered under PSD2 as payment service providers and therefore must adhere to these rules.

* What should the payment service user do?

Payment service users must explicitly authorize providers of these new services to access your account and initiate payments on your behalf when they use each of these services.

* What are the visible changes to the prepaid card program?

Amendments to terms and conditions that will include the scope of Account Information Service Providers (AISP) and Payment Initiation Service Providers (PISP) in accessing cards, where the holders have agreed a service with third parties. The terms and conditions on this subject have been added.
 
Other changes to the terms and conditions include (i) changes to the chronology for response to Complaints, (ii) reduction of commission from € 150 to € 50, where applicable for unauthorized transactions, (iii) details of calculation of fees (iv) option for alternative dispute resolution in the language of the payment service user on the website, separately from the Terms and Conditions unless a single language is accepted.

The Exchange Rates shown on our site are those applicable at the Praça da Figueira counter;
other rates apply at Airports and other counters.

For additional information, call our helpline: 213 429 760

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