Account opening without minimum initial deposit. For Accounts opened digitally, the first transaction must be done through a bank transfer. Subject to the Bank’s Customer acceptance policy.
Subscription implies the payment of a monthly Account Maintenance Fee of €8,99 for the AB Plus Premium, plus Stamp Duty at the legal rate, currently 4%, which will be debited from the respective current account.
*Conditions for accessing the €0,00 for 3-month campaign: Campaign valid between July 1, 2025, and September 30, 2025, for new customers who subscribe to the AB Premium Plan within 30 days of opening an account with ActivoBank. Account opening with no minimum initial deposit. For accounts opened digitally, the first transaction is by bank transfer. Subject to customer acceptance policy. Customers who subscribe to the AB Plan under these conditions will be exempt from the €8,99 Package Account maintenance fee in the month of subscription and for the following three months, plus stamp duty at the current legal rate of 4%. After this exemption period, the fee will be debited from the respective checking 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. 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 waiver (30-day option)
Exemption from the Activo Viagem 30-day option fee for subscriptions on Card Accounts associated with the Current Account that have an active AB Premium Plan at the time of the Activo Viagem 30-day option fee charge.
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
TAEG 12,6% | TAN 11,500%
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- 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.
10- 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.
11-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.
12- 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.
13- 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.
