---
title: "MULTICAIXA: Interbank Card Network in Angola"
description: "Withdraw cash, transfer funds, pay bills and shop on ATMs/POS across Angola. Use cardless cash with a 3-digit code & QR via MCX Express."
canonical_url: "https://liners.com/multicaixa"
markdown_url: "https://liners.com/multicaixa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/multicaixa/screenshot.webp?v=1782195333431"
published_at: "2026-06-23T18:11:20.583Z"
updated_at: "2026-10-06T12:27:03.869Z"
---

# MULTICAIXA: Interbank Card Network in Angola

Withdraw cash, transfer funds, pay bills and shop on ATMs/POS across Angola. Use cardless cash with a 3-digit code & QR via MCX Express.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [MULTICAIXA](/multicaixa)

## Summary

Interbank card payments and ATM services across Angola

An interbank card network for Angola that supports ATM services, transfers, bill payments, QR payments via MCX Express, and merchant POS acceptance.

## Product details

| Field | Value |
| --- | --- |
| Website | https://multicaixa.ao/ |
| Tagline | Interbank card payments and ATM services across Angola |
| Primary country | Angola |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

MULTICAIXA is Angola’s interbank card network, managed by **EMIS - Empresa Interbancária de Serviços, S.A.**, serving bank card users, merchants, and participating financial institutions.

It provides a shared infrastructure for day-to-day card and terminal services across the network, including:
- **ATM services** such as cash withdrawals, **balance and account movement consultations**, and **bank transfers**
- **Payments** for services and purchases via **ATM** and **TPA/POS terminals**
- **Cardless cash withdrawal** using a **3-digit secret code** (Levantamento Sem Cartão)
- **QR code payments on physical POS terminals** by scanning a QR generated by the TPA using **MCX Express**
- **Electronic Code (Código Electrónico)** sent by **SMS** to set a card **PIN** at an ATM instead of receiving a PIN letter
- Support for internationally branded cards, including **Visa** and **Mastercard**, on the network

Available on **Web**, with **MCX Express** available on **Android** and **iOS**.

Target users include **consumers** using bank cards and digital payment channels, **merchants** accepting card and QR payments on POS terminals, and **banks in Angola** that participate in the interbank network.

Notable in Angola for operating the country’s interbank network of **ATMs and POS terminals**, with official support stated as available **24 hours a day**. For support related to MCX Express, contact **suporte.mcxexpress@emis.co.ao**.

## Features

- [Fintech](/categories/fintech): Category
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [POS](/tags/pos): Product feature or technology
- [QR Payments](/tags/qr-payments): Product feature or technology
- [Angola](/countries/angola): Market

## Related pages

- [Alternatives](/multicaixa/alternatives)
- [Reviews](/multicaixa/reviews)
- [Transparency](/multicaixa/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/multicaixa)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)