ActivoBank | Simple Account

The Best Digital Bank welcomes you

New Clients Term Deposit¹

GNAR 3,25%.

Exclusive to Clients who opened a Current Account within the last 90 days before establishing the deposit. Set-up minimum: €500. Set-up maximum per deposit: €100.000.
Reinforcements and Renewals are not allowed.
Term: 90 days.

Early mobilization allowed, partial or total, at any moment during the duration of the Term Deposit, with a penalty of 100% applied to the interest on the amount withdrawn. Not renewable. No increases allowed.

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Becoming an ActivoBank Client is simple

No Account Maintenance Fee

You don't pay anything for having an Account with us

No Debit Card Provision Fee

Debit Cards have no cost.

No provision fee for the Classic Credit Card²

TAEG 17,9% | TAN 17,400%

Digital version of the Card

While waiting for the Physical Card, you can use the digital version available in the App and link it to MB Way to use it at no cost

Haven’t opened an Account yet?

Do you have your Digital Mobile Key and code?

Open an Account Online with Digital Mobile Key

Between 10 and 15 minutes

Without initial deposit

Scan the QR Code to download the App
and open your Account

We keep up with all the trends

I don’t need to go to a Branch

I pay 0 to use MBWAY

I can access my Account from the App at any time

Open Account online

Clients have decided: We are number 1

ActivoBank has won the 2024 Consumer Choice Award in the "Digital Bank" category. Awarded in January 2024 by ConsumerChoice - Consumer Satisfaction Assessment Centre. Valid until December 2024. This award is the sole responsibility of the awarding organization.

ActivoBank has won the Prémio Cinco Estrelas 2024 in the “Digital Bank” category. Awarded in January 2024 by Five Stars Consulting’ Portugal, Lda. Valid until December 2024. This award is the sole responsibility of the awarding organization.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What are the necessary documents to open an account?

Opening an Account in person

In order to open an Account in some Activobank Branches, you will need to schedule your visit through the Support Line.

Valid Identification Document (one of the following documents):

Portuguese Citizen Card (if Clients are students, retired, employees or unemployed, they don’t need any other document to open an Account at an Activobank Branch);
Portuguese Residence Card issued with a validity of more than 12 months;
Passport/Identity Card (only accepted if you are a citizen of Europe, the Schengen Area or the United Kingdom).

Valid Tax Identification Number (TIN), one of the following documents:

Portuguese Citizen Card;
TIN Card;
Tax Payer’s central registration.

Proof of address dated less than 12 months* (one of the following documents):

Drivers License;
Tax reimbursement statement;
Utilities bill;
Taxes liquidation issued by the ﬁscal authority of the country of residency;
Document issued by the consulate.

If the Client is a minor, proof of address of parents/legal representatives must be presented.
Proof of employment situation with 6 months validity (one of the following documents):

Employee: pay slip or work contract;
Independent worker: "Green receipts", start/change of economic activity statement (available in Portal das Finanças), company registration or commercial registry certificate;
Unemployed: Declaration from the Employment Center;
Student: Student ID, enrolment proof or payment of tuition fees (can be provided up to 12 months after completion of degree or training);
Domestic: IRS Template 3 or Bank statement;
Lives off their own assets: IRS Template 3 or Bank statement;
Retired: IRS Template 3 or Bank statement or pay slip.

Opening an Account via video call

Valid Identification Document (one of the following documents):

Portuguese Citizen Card;
Portuguese Residence Card issued after December 2008 and with a validity of more than 12 months;

Valid Tax Identification Number (TIN), one of the following documents:

Portuguese Citizen Card;
Portuguese Residence Card;
TIN Card;
Tax Payer’s central registration.

Proof of address dated less than 12 months (one of the following documents):

Drivers License;
Tax reimbursement statement;
Utilities bill;
Document issued by the consulate.

Proof of employment situation with 6 months validity (one of the following documents):

Employee: pay slip or work contract;
Independent worker: "Green receipts", start/change of economic activity statement (available in Portal das Finanças), company registration or commercial registry certificate;
Unemployed: Declaration from the Employment Center;
Student: Student ID, enrolment proof or payment of tuition fees (can be provided up to 12 months after completion of degree or training);
Domestic: IRS Template 3 or Bank statement;
Lives off their own assets: IRS Template 3 or Bank statement;
Retired: IRS Template 3 or Bank statement or pay slip.

Opening an Account with Mobile Digital Key

You don't need to have any documents with you, you only need the Mobile Digital Key.

If you already have the Digital Mobile Key, you just need to:

Download the ActivoBank App
Log in with your Mobile Digital Key
Confirm some data
Sign the contracts (everything digital, no paperwork)
Register in the App

If you don't have the Mobile Digital Key:

Download the Autenticação.gov App
Take a picture of your Citizen Card and another of yourself (selfie)

What is the Access Code?

The Access Code is a code composed by 7 digits that allows access to the App, Website, Automatic Service and Support Line services, making it possible to perform transactions in every Account the Client has.

Clients should not have an Access Code that can be easily memorized by others and must change it periodically on our website activobank.pt .

ActivoBank never requests, under any circumstances and simultaneously, more than 3 digits of your Multichannel Access Code. Any request in that sense should be considered fraud and must be immediately reported to +351 210 030 700 or through fraude@activobank.pt

Where are our ActivoBank Branches?

See here which one is closer to you.

How can I include another holder to my Account?

To include holders in your Current Account, you must both go to one of our Branches and take with you the necessary documents.

Where can I find the IBAN/NIB proof?

Login to activobank.pt and go to More Operations > Account information. You can also do it on the App, Current Account > See Details > Details.

How can I include another holder to my account?

To include holders in your Current Account, you must both go to one of our Branches and take with you the following documents:

Identification Documents:

Identification Document (valid) - Portuguese Identiﬁcation Document or Residency authorization or Passport or National Identity Card.
NIF (Tax Identification Number) (valid) - Portuguese Identiﬁcation Document or NIF Card or Tax Payer’s central registration.
Abroad: Taxes liquidation issued by the ﬁscal authority of the country of residency or Document issued by the consulate.

National: Drivers License or Tax reimbursement statement or Water/electricity/gas bill

Abroad: Taxes liquidation issued by the ﬁscal authority of the country of residency or Document issued by the consulate.

Proof of employment situation (3 months validity):

Employee: Pay slip or Employment proof or Work contract.
Independent worker: "Green receipts"or Start of economic activity statement or Declaration from the Client supported by a card issued by the repective professional entity.
Self-employed: Commercial Registry certiﬁcate or Company Registration.
Unemployed: Unemployment statement (Employment Center enrolment) or Economic Situation Proof, issued by the Town Council for unemployed people that are not enroled in the Employment Center.
Student: Student ID or Enrolment proof or University attendance certiﬁcate.

Where can I find the IBAN/NIB proof?

Login to activobank.pt and go to More Operations > Account information. You can also do it on the App, Current Account > See Details > Details.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

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.

1 - New Clients Term Deposit exclusive to Clients who opened a Current Account within the last 90 days before establishing the deposit. Set-up minimum: €500. Set-up maximum per deposit: €100.000. Term: 90 days. Early mobilization allowed, partial or total, at any moment during the duration of the Term Deposit with a penalty of 100% applied to the interest on the amount withdrawn. Not renewable. No increases allowed.

2 - Visa Classic Credit Card - TAEG 17,9%, TAN 17,400% for a Credit limit of 1.500€ paid in 12 equal monthly installments of capital plus interest and charges. No provision fee. Subject to Credit Risk Analysis.

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Open Account online - Simple Account

The Clients have decided: We are the easiest Digital Bank to use

The Best Digital Bank welcomes you

Becoming an ActivoBank Client is simple

No Account Maintenance Fee

No Debit Card Provision Fee

No provision fee for the Classic Credit Card²

Digital version of the Card

Haven’t opened an Account yet?

Do you have your Digital Mobile Key and code?

We keep up with all the trends

Clients have decided: We are number 1

What else do you need to know?

Open Account online​ - Simple Account

The Clients have decided: We are the easiest Digital Bank to use

The Best Digital Bank welcomes you

Becoming an ActivoBank Client is simple

No Account Maintenance ​Fee​

No Debit Card Provision Fee

No provision fee for the Classic Credit Card2

Digital version of the Card

Haven’t opened an Account yet?

Do you have your Digital Mobile Key and code?​

We keep up with all the trends

Clients have decided: We are number 1​​​

What else do you need to know?

Open Account online - Simple Account

No Account Maintenance Fee

No provision fee for the Classic Credit Card²

Do you have your Digital Mobile Key and code?

Clients have decided: We are number 1