autenticação forte
Published 8 November 2026, 22:44
autenticação forte do cliente — strong customer authentication for payments
A procedure under which a payment or a login to a banking app is confirmed in two ways rather than one: a password plus an SMS code, a fingerprint or a linked device. Banks cite it when refusing to refund money, arguing that since the check was passed, the customer authorised the payment. In practice fraudsters get round it by linking their own device to the account, so a bank's refusal is worth challenging.
Where you come across it. A dispute with the bank over money that left your account without your consent.
The bank's refusal is not final: after a written complaint to the bank, you can complain to the Banco de Portugal through the Portal do Cliente Bancário, and then go to court.