AB PLUS PLAN

Give your life an upgrade:
Change your AB Simple Account to the AB Plus Plan and save money

AB Plus Plan €3,99/month or €0,00 per month for 3 months if you opened an account in the last 30 days*​​

Campaign valid from 16/01/2025 to 31/03/2025 ​​

Open Account

2% Cashback on household expenses1 (100€ per month, max)

Without AB Plus Plan = €2.0

Water, electricity, gas and telecommunications paid by direct debit from the Current Account associated with the Plus Plan.

2 Stock Orders 2

Without AB Plus Plan = €5.00

This benefit applies every month, across all markets and all financial instruments.

Pet Civil Liability Insurance3

Without AB Plus Plan = €3.33

It guarantees compensation for damages caused by your pet to third parties, whether physical or material. ​

Learn about the conditions

+ 6 benefits that give your day a special touch

€22.19 per month, in benefits, for €3.99​

Stock Exchange Service Commission at no cost4, every month

Without AB Plus Plan = €3.00

Exemption of up to €3.00 per month, applicable to Integrated Securities - National and International.

Family Civil Liability Insurance5

Without AB Plus Plan = €2.92

To protect against unexpected events. Coverage for damages caused to third parties, whether physical or material.

Learn about the conditions

Salary Advance with reduced rate6 (for salaries starting from €750)

Without AB Plus Plan = €5.94

TAEG 12,6% | TAN 11,500%
While maintaining the AB Plan, the TAN will be reduced to 9% (0% TAN for the first 3 months).

4 PoupeUp goals7

Without AB Plus Plan = 1 PoupeUp goal

The virtual savings pot that lets you save money for a goal you define.

We don't stop here.

Life with the AB Plus Plan​

Take advantage of €4/month on Galp fuel

2 coupons worth €2 each8/per month (5 cents per liter – maximum 40L)

The coupons will be sent via Apoio AB by the 10th of each month.

Enjoy €5/month in ​OSCAR services

1 voucher of €5 9/per month

The coupons will be sent by email and SMS by the 10th of each month.

Start enjoying all the benefits that give your days an upgrade.

Subscribe

The certainty of being Active, as it has always been

€0 Account maintenance  

Debit Card with no opening fee

Visa Classic Credit Card10 with no opening fee

TAEG 17,9% | TAN 17,400%

SEPA and MBWAY transfers free of charge

Need a more complete Plan?

If you want more Cashback, more Insurance and other benefits for your Investments, compare and find the best Plan for you.

Compare AB Plans

If you are already our Client, you can contract one of the AB Plans in the ActivoBank App.

Open Account Subscribe

Account opening with a minimum initial deposit of €100 or €0 if the Account is opened digitally and the first movement is a bank transfer. Subject to the Client's acceptance policy.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Who are the Plans AB Plus and AB Premium for?

New and current Private Clients, over 18 years old and emancipated.

What is the cost of the AB Plus Plan and how is it charged?

€3,99 per month, plus Stamp Duty at the legal rate, which is currently 4%. The amount will be debited from the Current Account associated with the Plan.​

Where can I subscribe the Plans AB Plus and AB Premium?

You can subscribe to the AB Plus or Premium Plans on the ActivoBank App, at a Ponto Activo or through the Customer Support line: +351 210 030 700 (calls to national landline) with personalized service on weekdays (8am-10pm), Saturdays (10am-8pm), Sundays and holidays (12pm-8pm). The cost of communication depends on the tariff you have agreed with your telecommunications provider.

Are there loyalty agreements?

No

When can I start using the benefits?

The Plans AB Plus and AB Premium become active on the working day following subscription, as well as all associated benefits.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Package Account Maintenance Fee
Signing up for the AB Plus Plan involves paying a package account maintenance fee of €3.99, plus Stamp Duty at the legal rate (currently 4%), which will be debited from the respective Current Account.

*Conditions of access to the campaign of €0,00 for 3 months: Campaign valid from 16/01/2025 to 31/03/2025 for new Clients who subscribe to an AB Plus or AB Premium Plan within 30 days of opening an Account in ActivoBank. Account opening with a minimum initial deposit of €100 or €0 if the Account is opened digitally and the first movement is a bank transfer. Subject to the Client's acceptance policy. The subscription of the AB Plan in these conditions exempts you, for the month of subscription and the following three months, from paying the Package Account Maintenance Fee of €3.99, for the AB Plus Plan, and of €8.99, for the AB Premium Plan, plus Stamp Duty at the legal rate (currently 4%). After this period, the fee will be debited from the respective Current Account.​

1- Cashback 2%

2% refund on direct debits in the Current Account, authorized for payments to Portuguese suppliers of water, electricity, gas and telecommunications, up to a maximum monthly amount of €100 in all expenses. Maximum monthly cashback limit of 2€. The cashback amount will be credited to the Current Account at the beginning of the month following the applicable direct debits. Direct debit means subscription of a debit authorization to the Account, in favor of entities that you recognize as your creditors. The refunded amount confers income to the Holder and is subject to a withholding tax of 28%, the amount received through cashback corresponding to the value of the offer already deducted from such withholding tax. As regards the percentage applicable to the cashback, in case of change of Plan by the Customer, the percentage corresponding to the new Plan shall apply as from the date of the change and, until this date, the percentage corresponding to the old Plan shall apply.

2- Stock market orders

Exemption of the maximum amount of €5,00 for the second stock market order of the month, executed in any market, applicable to all the securities accounts associated to the Plan's current account, as long as the Order is inserted through the automatic channels (App or Site). Stamp Tax at the legal rate, currently 4%, is added to the non-exempt amounts and will be charged to the Current Account. Orders executed on the business day following the confirmation of the Plan subscription will benefit from this exemption. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to trade financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult.

3- Pet Civil Liability Insurance

Pet Civil Liability Insurance – Dogs and Cats that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, owner of the dog or cat, properly licensed, whose General and Specific Conditions will be provided to the subscriber of the AB Plus Plan. It’s not possible to subscribe to this Insurance separately from the AB Plus Plan.​

4- Stock Exchange Service Commission

Exempt from Stock Exchange Service Commission, up to €3.00 per month, applicable to Integrated Securities – National and International. VAT at the legal rate is added to the non-exempt amounts, which is currently 23%, whose payment will be debited to the Current Account. The exemption is applied in the subsequent period, after subscription of the Plan. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to negotiate financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult​

5- Family Liability Insurance

Family Liability Insurance that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, whose General and Specific Conditions will be provided to the subscriber of this Plan.

6- Salary Advance​ Loan

It is an authorized overdraft facility that allows you to have early access, on the first day of each month, to up to 100% of your salary, up to a maximum financed amount of €5.000. For example, for a utilized amount of €1,500 over 90 days at a nominal interest rate (TAN) of 11,500%, the interest would be €43.14, plus a Stamp Duty of €1.74, resulting in an effective Annual Percentage Rate (APR) of 12.6%. Stamp duty is exempted for Credit usage up to the amount of the monthly salary Credited to the Account. Subscription is only available for domiciled salaries of €750 or more. Subject to Credit decision. With the AB Plan, you have access to a reduction of the TAN to 0% for the first 3 months and a TAN of 9,000% for the following months that you have the AB Plan. The TAN update will be available on the first day of the month following the subscription, which can take up to 30 days. The reduction of the TAN to 0% can only be used in the first three months of the first subscription of a Plan. To calculate the amount specified in the benefit, the difference in interest paid in a year for an amount of €1.500 used monthly with a TAN of 11,500% and the same amount with the AB Plan promotional TAN of 0% in the first 3 months and 9% in the following 9 months of the year was considered. This interest difference corresponds to an average monthly amount of €5,94 (this calculation doesn’t consider the Stamp Duty). ​

7- PoupeUp Account

The PoupeUp account works similarly to a virtual money box, where it is possible to save money to fulfill a specific objective, defined and freely editable by the depositor. There are different modes where you can define the amount and frequency of the savings or you can set aside a fixed amount of your salary.​

8- Galp Coupons

For each Client who holds an AB Plus Plan as of the 25th of the previous month, two discount vouchers worth €2.00 each are granted. Offer of 5 cents per liter up to 40 liters. Offer valid for fueling at participating Galp stations. The coupon cannot be cumulated with other valid coupons (paper or digital) at Galp stations. Not applicable to agricultural diesel, heating oil and payments with Galp Frota, Galp Frota Business and Galp+. Not available in automatic payment systems at the station (Via Verde and Pay & Go). You can access the vouchers through the ActivoBank App > More > InterActivo > Apoio AB.

9- OSCAR Coupons

For each Client who holds an AB Plus Plan as of the 25th of the previous month, a discount voucher worth €5.00 each is granted. The voucher cannot be combined with other active discount vouchers. It applies exclusively to services from the OSCAR App with an amount equal to or greater than €20.00 and expires one month after the date of issue.  You can access the vouchers via email or SMS.

10- Credit Card Visa Classic

TAEG 17,9% | TAN 17,400%  for a credit limit of 1.500€ paid in 12 equal monthly instalments of capital plus interest and charges. No opening fee.

Subject to Credit Risk Analysis.

PUB. DOES NOT DISPENSE WITH CONSULTING THE LEGALLY REQUIRED PRE-CONTRACTUAL AND CONTRACTUAL INFORMATION.


Banco ActivoBank, S.A., Office: Rua Augusta, 84, 1100-053 Lisboa, Share Capital €127.600.000, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt. The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Intermediary does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.

Banco ActivoBank, S.A. is authorized, namely, to provide services as a financial intermediary, registered at the CMVM under number 116, on July 29 of 1991, as well as sales services with counseling as an Insurance agent registered at Insurance and Pension Funds Supervision Authority under no. 419501226, on January 21 of 2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt.

Ocidental

Ageas Portugal - Companhia de Seguros S.A., with head office at Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal Person No. 503454109. CRC Porto. Share Capital of 7.500.000 Euros. Registration ASF 1129, www.asf.com.pt.

About our cookies
Our website uses its own and third-party cookies to improve your navigation experience and for statistical purposes. You can accept all cookies or adjust your preferences.
To learn more about how we use them, please see our COOKIES POLICY

Select the desired configuration and press ACCEPT.

Strictly necessary cookies for a good performance

Cookies related to the website’s statistics

Your preferences in the website

RE-MARKETING

ActivoBank may display advertisements related to your interests on other websites.