Subject to the Bank’s Client Acceptance Policy.
Package Account Maintenance Fee for the AB Plus Plan, charged monthly at the beginning of the following month:€49.80/year (€3.99 + €0.16 Stamp Duty per month).
*Campaign valid from 01/01/2026 e 31/03/2026 for new Customers who subscribe to an AB Plus Plan within 30 days of opening an Account with ActivoBank. The AB Plan subscribed under these conditions will have its Package Account Maintenance Fee waived in the subscription month and for the following three months. After this exemption period, the Maintenance Fee will be charged to the respective Current Account.
1- PoupeUp Account Remuneration
4 objectives. Remuneration: GNAR 1.75% | NNAR 1.26%: On the last business day of the month, the existence of a PoupeUp Account associated with the Current Account with the AB Plus Plan is verified. Until the 7th day of the following month, the daily remuneration rate of the PoupeUp Account in effect each day in the Bank's pricing for the product is awarded for 30 days. Interest calculated daily on the daily balance (max. €5,000) paid monthly into the “money box” of the PoupeUp Account. Benefit subject to 28% IRS (or option for aggregation). Exclusive functionality of the ActivoBank App and to use the App, having an Account is mandatory. No minimum or maximum value for opening/maintenance. This advantage is not cumulative with other Campaigns associated with the PoupeUp Account.
2- 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.
3- Stock market ordersExemption 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.
4- Activo Viagem waiver (30-day option)
The waiver of the Activo Viagem 30-day option fee applies under the AB Premium Plan, valued at €3.99, for subscriptions on Card Accounts associated with the Current Account with the AB Premium Plan at the time of subscription. For the AB Plus Plan, the waiver of one Activo Viagem 30-day option fee per calendar year (between January 1st and December 31st) applies, granted on the first subscription within the year on a Card Account associated with the Current Account that has an active AB Plus Plan at the time of fee charging.
5- 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
6- 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.
7- 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.
8- Salary Advance Loan
TAEG 13,8% | TAN 12,500%
As long as you maintain the AB Plan TAN 0% for usages up to €200 per month. The update of the TAN corresponding to this benefit will be available on the 1st day of the month following the subscription, which may take up to 30 days. This is an authorized overdraft facility which allows you to access up to 100% of your salary, in advance on the first day of each month, with a maximum amount of €5,000 financed. For an example of an amount used of €1,500, for 90 days at an APR of 11.500%, the interest will be €43.14 plus Stamp Duty on the interest of €1.74, which corresponds to an annual percentage rate (APR) of 12.6%. Stamp Duty exemption for the use of the Credit up to the amount of the monthly salary credited to the Account. The subscription can only be made for domiciled salaries of €750 or more.
9- 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.
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.
