PLANO AB PREMIUM

A standing ovation for the Plan with 14 benefits

8,99€ €0,00/per month for 3 months*

Campaign valid from 21/10/2024 to 21/01/2025

Open Account

3 Stock Orders¹

Without AB Premium Plan = €10.00

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

3% Cashback on household expenses² (200€ per month, max)

Without AB Premium Plan = €6.00

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

Activo Viagem³

Without AB Premium Plan = €3.99

€0 in fees for withdrawals and purchases, worldwide? Planning pays off.

Stock Exchange Service Commission at no cost⁴

Without AB Premium Plan = €3.00

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

Pet Civil Liability Insurance⁵

Without AB Premium Plan = €3.33

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

Learn about the conditions

Family Civil Liability Insurance⁶

Without AB Premium Plan = €2.92

Because it’s better to be safe than sorry. Be proactive and stay covered against damages caused to third parties, whether for bodily injuries or material damage by your household.

Learn about the conditions

Home Medical Assistance Insurance⁷

Without AB Premium Plan = €3.75

In case of an emergency, count on us. Home doctor visits, ambulance calls, or medical referrals are just some of the benefits we offer you.

Learn about the conditions

Salary Advance with reduced rate⁸ (for salaries starting from €750)

Without AB Premium Plan = €5.94

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

Priority service at Pontos Activo and Customer Support Line

10 Instant Transfers at no cost⁹

Without AB Premium Plan = €16.00

So you don’t have to wait 24 hours or more

AB Gold Credit Card with no provisioning fee¹⁰
TAEG de 17,9%, TAN de 12,200%

Without AB Premium Plan = €2.99

Because every moment is better with a touch of Gold.

Unlimited PoupeUp goals¹¹

Set your goal, save monthly, and make the most of this virtual savings pot.

We are not done yet

Other benefits that are music to your ears

Take advantage of €10/month on Galp fuel

5 coupons worth €2 each¹² / per month (5 cents per liter – maximum 40L)

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

Enjoy €10/month in OSCAR services

2 vouchers of €5 each¹³ / per month

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

First three months of subscription to the AB Premium Plan for €8.99/month €0,00/month*. Success is guaranteed.

The certainty of being Active, as it has always been

€0 Account maintenance

Debit Card with no opening fee

Visa Classic Credit Card¹⁴ with no opening fee

TAEG 17,9% | TAN 17,400%

SEPA and MBWAY transfers free of charge

This Plan is not for you?

Compare the different AB Plans side by side and find the one that suits you

Compare AB Plans

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

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.

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 Premium Plan and how is it charged?

€8,99 per month, plus Stamp Duty at the legal rate, which is currently 4%. The amount will be debited in the respective Current Account to which the Plan is associated.

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.

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HelpCenter

Package Account Maintenance Fee
Signing up for the AB Premium Plan involves paying a package account maintenance fee of €8.99, 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 21/10/2024 to 21/01/2025. The subscription of the AB Premium in these conditions exempts you, for the month of subscription and the following three months, from paying the Package Account Maintenance Fee. After this exemption period, this fee will be debited from the respective Current Account.

1- Stock market orders

Exemption of the maximum amount of €10,00 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.

2- Cashback 3%

3% 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 €200 in all expenses. Maximum monthly cashback limit of 6€. 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- Activo Viagem Cashback (30 days option)

Refund of the Activo Viagem commission, 30-day option, in the amount of €3.99, for subscriptions in Card Accounts linked to the Current Account with AB Premium Plan at the time of subscription. The amount will be credited to the Current Account at the beginning of the month following the applicable subscription.

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- 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 Premium Plan. It’s not possible to subscribe to this Insurance separately from the AB Premium Plan.

There are exclusions outlined in the policy.

6- 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.

There are exclusions outlined in the policy.

7- Insurance for medical assistance at home

Home Medical Assistance 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. It is not possible to purchase this insurance product separately from the AB Premium Plan.

8- 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).

9- Instant Transfers

Exemption from commission payments of up to 10/month exclusively for domestic immediate transfers to banks in the SEPA area which have adhered to this scheme (SEPA Instant Credit Transfer) in order to be issuers or beneficiaries of immediate transfers. This benefit becomes available on the working day following the confirmation of the subscription to the AB Premium Plan. These transfers must be executed in the App or Site ActivoBank up to a maximum limit per transaction of EUR 100,000, provided that they are ordered with the indication of the NIB, or IBAN, being only available in the one-off modality.

10- AB Gold Credit Card

Exemption from the issuance fee for the AB Gold Credit Card, issued in the name of an Account Holder. The granting of the Credit Card is subject to, cumulatively, prior subscription of the Membership Proposal and the General Conditions of Card Use by each Applicant, as well as the Bank's approval following an assessment of the applicant's creditworthiness.
TAEG 17,9%, TAN 12,200% for a credit limit of 1.500€ paid in 12 equal monthly instalments of capital plus interest and charges. Provision fee for the Credit Card is €35,88 (paid monthly in the amount of €2,99). Plus Stamp Duty. Subject to Credit Risk Analysis.

11- 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.

12-Galp Coupons

For each Client who holds an AB Premium Plan as of the 25th of the previous month, five 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.

13- OSCAR Coupons

For each Client who holds an AB Premium Plan as of the 25th of the previous month, two discount vouchers worth €5.00 each are 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.

14- Visa Classic Credit Card

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 provision 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.

PLANO AB PREMIUM

3 Stock Orders1

3% Cashback on household expenses2 (200€ per month, max)

Activo Viagem3

We are not done yet

Other benefits that are music to your ears

Take advantage of €10/month on Galp fuel

Enjoy €10/month in​ OSCAR services

The certainty of being Active, as it has always been

€0 Account maintenance

Debit Card with no opening fee

Visa Classic Credit Card14 with no opening fee

SEPA and MBWAY transfers free of charge

What else do you need to know?

3 Stock Orders¹

3% Cashback on household expenses² (200€ per month, max)

Activo Viagem³

Enjoy €10/month in OSCAR services

Visa Classic Credit Card¹⁴ with no opening fee