BUY
  • 1 EGP = 0.047611 EUR | 1 EUR = 21.003550 EGP
  • 1 USD = 0.864536 EUR | 1 EUR = 1.156690 USD
  • 1 SCP = 1.061030 EUR | 1 EUR = 0.942480 SCP
  • 1 GBP = 1.061030 EUR | 1 EUR = 0.942480 GBP
  • 1 TND = 0.258094 EUR | 1 EUR = 3.874557 TND
  • 1 CHF = 0.869839 EUR | 1 EUR = 1.149638 CHF
  • 1 AED = 0.210800 EUR | 1 EUR = 4.743833 AED
  • 1 SEK = 0.088834 EUR | 1 EUR = 11.256951 SEK
  • 1 ZAR = 0.057583 EUR | 1 EUR = 17.366237 ZAR
  • 1 RUB = 0.011761 EUR | 1 EUR = 85.026783 RUB
  • 1 NOK = 0.097467 EUR | 1 EUR = 10.259883 NOK
  • 1 MAD = 0.084441 EUR | 1 EUR = 11.842588 MAD
  • 1 MXN = 0.042572 EUR | 1 EUR = 23.489618 MXN
  • 1 MOP = 0.096313 EUR | 1 EUR = 10.382814 MOP
  • 1 JPY = 0.007582 EUR | 1 EUR = 131.891322 JPY
  • 1 IEP = 1.061030 EUR | 1 EUR = 0.942480 IEP
  • 1 INR = 0.011486 EUR | 1 EUR = 87.062511 INR
  • 1 HUF = 0.002732 EUR | 1 EUR = 366.032211 HUF
  • 1 HKD = 0.099069 EUR | 1 EUR = 10.093975 HKD
  • 1 DKK = 0.125739 EUR | 1 EUR = 7.952982 DKK
  • 1 CZK = 0.035586 EUR | 1 EUR = 28.100939 CZK
  • 1 HRK = 0.123050 EUR | 1 EUR = 8.126778 HRK
  • 1 CNY = 0.112418 EUR | 1 EUR = 8.895373 CNY
  • 1 CVE = 0.008684 EUR | 1 EUR = 115.154307 CVE
  • 1 CAD = 0.648632 EUR | 1 EUR = 1.541706 CAD
  • 1 AUD = 0.592846 EUR | 1 EUR = 1.686779 AUD
  • 1 RON = 0.192160 EUR | 1 EUR = 5.203997 RON
  • 1 TRY = 0.137251 EUR | 1 EUR = 7.285921 TRY
  • 1 XOF = 0.001270 EUR | 1 EUR = 787.401575 XOF
  • 1 PLN = 0.213547 EUR | 1 EUR = 4.682810 PLN
  • 1 BRL = 0.224191 EUR | 1 EUR = 4.460482 BRL
  • 1 THB = 0.024619 EUR | 1 EUR = 40.619034 THB
  • 1 ILS = 0.219034 EUR | 1 EUR = 4.565501 ILS
  • 1 KRW = 0.000659 EUR | 1 EUR = 1,517.450683 KRW
  • 1 NZD = 0.524403 EUR | 1 EUR = 1.906930 NZD
  • 1 SGD = 0.569870 EUR | 1 EUR = 1.754786 SGD
  • 1 QAR = 0.212683 EUR | 1 EUR = 4.701833 QAR
  • 1 SAR = 0.197842 EUR | 1 EUR = 5.054538 SAR
  • 1 BGN = 0.435149 EUR | 1 EUR = 2.298063 BGN
  • 1 IDR = 0.000054 EUR | 1 EUR = 18,518.518519 IDR
  • 1 VND = 0.000033 EUR | 1 EUR = 30,303.030303 VND
  • 1 DOP = 0.014896 EUR | 1 EUR = 67.132116 DOP
  • 1 PHP = 0.014857 EUR | 1 EUR = 67.308340 PHP
  • 1 MYR = 0.184585 EUR | 1 EUR = 5.417558 MYR
  • 1 COP = 0.000249 EUR | 1 EUR = 4,016.064257 COP
  • 1 NAD = 0.049256 EUR | 1 EUR = 20.302095 NAD
  • 1 KHR = 0.000182 EUR | 1 EUR = 5,494.505495 KHR
  • 1 ARS = 0.017501 EUR | 1 EUR = 57.139592 ARS
  • 1 CLP = 0.001106 EUR | 1 EUR = 904.159132 CLP
  • 1 ISK = 0.006336 EUR | 1 EUR = 157.828283 ISK
  • 1 XAF = 0.001270 EUR | 1 EUR = 787.401575 XAF
  • 1 UAH = 0.028824 EUR | 1 EUR = 34.693311 UAH
  • 1 MZN = 0.012568 EUR | 1 EUR = 79.567155 MZN
SELL
  • 1 EGP = 0.071416 EUR | 1 EUR = 14.002464 EGP
  • 1 USD = 0.908645 EUR | 1 EUR = 1.100540 USD
  • 1 SCP = 1.160502 EUR | 1 EUR = 0.861696 SCP
  • 1 GBP = 1.160502 EUR | 1 EUR = 0.861696 GBP
  • 1 TND = 0.387141 EUR | 1 EUR = 2.583038 TND
  • 1 CHF = 0.944137 EUR | 1 EUR = 1.059168 CHF
  • 1 AED = 0.269356 EUR | 1 EUR = 3.712559 AED
  • 1 SEK = 0.099022 EUR | 1 EUR = 10.098766 SEK
  • 1 ZAR = 0.067317 EUR | 1 EUR = 14.855089 ZAR
  • 1 RUB = 0.016632 EUR | 1 EUR = 60.125060 RUB
  • 1 NOK = 0.108351 EUR | 1 EUR = 9.229264 NOK
  • 1 MAD = 0.116106 EUR | 1 EUR = 8.612819 MAD
  • 1 MXN = 0.052032 EUR | 1 EUR = 19.218942 MXN
  • 1 MOP = 0.123066 EUR | 1 EUR = 8.125721 MOP
  • 1 JPY = 0.008614 EUR | 1 EUR = 116.090086 JPY
  • 1 IEP = 1.160502 EUR | 1 EUR = 0.861696 IEP
  • 1 INR = 0.014793 EUR | 1 EUR = 67.599540 INR
  • 1 HUF = 0.003513 EUR | 1 EUR = 284.656988 HUF
  • 1 HKD = 0.126809 EUR | 1 EUR = 7.885876 HKD
  • 1 DKK = 0.139518 EUR | 1 EUR = 7.167534 DKK
  • 1 CZK = 0.043495 EUR | 1 EUR = 22.991148 CZK
  • 1 HRK = 0.154691 EUR | 1 EUR = 6.464500 HRK
  • 1 CNY = 0.143895 EUR | 1 EUR = 6.949512 CNY
  • 1 CVE = 0.009752 EUR | 1 EUR = 102.543068 CVE
  • 1 CAD = 0.718275 EUR | 1 EUR = 1.392224 CAD
  • 1 AUD = 0.661492 EUR | 1 EUR = 1.511734 AUD
  • 1 RON = 0.241573 EUR | 1 EUR = 4.139535 RON
  • 1 TRY = 0.185692 EUR | 1 EUR = 5.385262 TRY
  • 1 XOF = 0.001694 EUR | 1 EUR = 590.318772 XOF
  • 1 PLN = 0.261002 EUR | 1 EUR = 3.831388 PLN
  • 1 BRL = 0.252811 EUR | 1 EUR = 3.955524 BRL
  • 1 THB = 0.033059 EUR | 1 EUR = 30.248949 THB
  • 1 ILS = 0.279877 EUR | 1 EUR = 3.572998 ILS
  • 1 KRW = 0.000842 EUR | 1 EUR = 1,187.648456 KRW
  • 1 NZD = 0.670071 EUR | 1 EUR = 1.492379 NZD
  • 1 SGD = 0.728168 EUR | 1 EUR = 1.373309 SGD
  • 1 QAR = 0.271761 EUR | 1 EUR = 3.679704 QAR
  • 1 SAR = 0.263789 EUR | 1 EUR = 3.790909 SAR
  • 1 BGN = 0.584343 EUR | 1 EUR = 1.711324 BGN
  • 1 IDR = 0.000073 EUR | 1 EUR = 13,698.630137 IDR
  • 1 VND = 0.000044 EUR | 1 EUR = 22,727.272727 VND
  • 1 DOP = 0.020004 EUR | 1 EUR = 49.990002 DOP
  • 1 PHP = 0.019951 EUR | 1 EUR = 50.122801 PHP
  • 1 MYR = 0.247871 EUR | 1 EUR = 4.034357 MYR
  • 1 COP = 0.000330 EUR | 1 EUR = 3,030.303030 COP
  • 1 NAD = 0.073180 EUR | 1 EUR = 13.664936 NAD
  • 1 KHR = 0.000257 EUR | 1 EUR = 3,891.050584 KHR
  • 1 ARS = 0.026252 EUR | 1 EUR = 38.092336 ARS
  • 1 CLP = 0.001528 EUR | 1 EUR = 654.450262 CLP
  • 1 ISK = 0.008640 EUR | 1 EUR = 115.740741 ISK
  • 1 XAF = 0.001694 EUR | 1 EUR = 590.318772 XAF
  • 1 UAH = 0.039530 EUR | 1 EUR = 25.297243 UAH
  • 1 MZN = 0.019272 EUR | 1 EUR = 51.888751 MZN
EN
BUY
U
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D
0.864536 €

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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