Salary Domicile: Activo Salary

In the land of fees, those with Activo Salary1 are kings

Because your salary is truly worth everything you earn.

Valid for customers with a salary or pension credited to their account, of €750 net or more.

Salary Domicile
Open Account Online

The Salary Account that gives you access to many benefits

Salary Advance Loan2

TAEG 13,8% | TAN 12,500%

You can advance up to 100% of your salary, on the first day of the month.

Advance Salary

New AB Salary Deposit3

TANB 2,00% (TANL: 1,44%)

Term: 60 days, automatically renewable under the current conditions of the Standard Deposit (see price list) | Maximum in savings: €100,000| Minimum amount of setting-up per deposit: €100 | Set-up maximum per deposit €100,000. Reinforcements are not allowed.

Set up Savings

Salary Savings AB4

TANB 1,50% (TANL: 1,08%)

Term: 30 days, automatically renewable under the current conditions of the Standard Deposit (see price list) | Set-up maximum per saving: €100.000 | Maximum reinforcement amount: €10.000 per month | Minimum for set-up/maintenance/reinforcement: €25 | Interest: Monthly. Capitalization of interest is permitted.

Set up Savings

MORE BENEFITS

You can enjoy even more benefits for being an ActivoBank Client​

Simple Account​

Account maintenence fee at 0€

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Classic Credit Card5

Provision Fee at 0€​
TAEG 17,9%, TAN 17,400%​

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MB Way

Use fee at 0€

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Invest

1st Stock Market Order at 0€, every month​

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Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Ordenado Activo is a set of advantages related to a Current Account where a salary or pension is paid via Direct Debit.  It’s available to Clients with a salary or pension paid via Direct Debit – credited through a properly codified bank transfer on the origin with the ISO code: “SALA” (08) ou “PENS” (11) – with a net value of 750€ or more per month. Clients with incidents or under 18 years of age are excluded.  

You just need to send the NIB of your ActivoBank Account to your employer or, in case of retirement, to the social security so that your salary or pension/pension is transferred to this Account.
The NIB/IBAN proof can be found in the App, after logging in, under Current Account > View Details > Details. You can also do this on the Website, after logging in, under Other Transactions > Account Information.  

The Salary Advance or Overdraft is an option that allows you to have up to 100% of your salary or pension/pension from the first day of each month, from €250 up to €5,000 of financed amount. It is available for Clients with Salary Domiciliation of €750 ou more.. It allows you to have more liquidity for your daily life or for unexpected expenses at preferential conditions. It also allows you more liquidity in your daily life or to face unexpected expenses, with favorable terms. 
When you contract for a salary advance, this option is available to you if you choose to use it. If you do not use it, there is no cost to you. If you do use it, you will be charged interest at the current rate – check the price list.  
The salary advance contract is subject to a credit decision.

The Salary Advance is available on the first day of each month, with a maximum amount equal to the monthly average of the values credited to the Current Account as salary/pension (properly codified) in the previous two months, not exceeding the maximum contracted amount. 

It's very simple! Just send your IBAN to your employer and request to receive your salary in your ActivoBank Account. To make it simpler, we have prepared a proposal for this request in the ActivoBank App (For you > Ordenado Activo > Salary Domiciliation), which you can edit as you wish and send in a quick and simple way.

The amount of the Salary Advance is only available if a transfer of salary/pension (properly codified) is verified.  If there have been no salary or pension transfers in the previous two months, the value of the first advance is 50% of the value of the previous month, not exceeding the maximum contracted amount.  

If there is a month in which the transfer of a salary to the Account is not verified, even if this is due to a delay in the transfer of the salary or retirement/retirement, the amount made available on the 1st of the following day will only be equal to 75% of the average of the previous two months and may not exceed the maximum amount stipulated in the contract.

If for two consecutive months the properly codified processing of salary or pension transfers is not verified, you will no longer have access to salary or pension advances.

Interest is calculated daily on the entire outstanding and utilized capital, taking as basis a year with 360 days and the actual number of days in each month.  The amounts owed will also be subject to taxes demandable under the law and regulations in force at each moment. Currently, stamp duty is added to the interest provided in funding 17.3.1. of TGIS, right now at 4%.   Interest will be paid monthly in arrears, due on the first day of each month of the calendar year. 

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Activo Salary

Documentation

Consult here more information about the Activo Salary

Standardized Information Sheet - Advance Salary General Conditions - Advance Salary

1- Activo Salary is available to customers whose salary or pension of €750 net or more is credited to their Account. A Salary is considered “domiciled” when the amount is transferred by bank transfer correctly coded at the origin with the ISO code “SALA” or “PENS”, “08” or “11”.

2- Salary Anticipation Credit
TAEG 13,8%| TAN 12,500%
This authorized overdraft facility allows access to up to 100% of your salary on the first day of each month. For example, if you borrow €1,500 for 90 days at a TAN of 11.5%, the interest will be €43.14, plus a stamp duty of €1.74 on the interest. This corresponds to an annual percentage rate (TAEG) of 12.6%. There is stamp duty exemption for the use of the credit up to the amount of the monthly salary credited to the account. Subscriptions are only available for salaries of €750 or more that are deposited directly into the account. Credit is subject to approval.​​​​​

3- New Salary Deposit AB
TANB 2,00% | TANL 1,44% | For new domiciliations from 1/1/2025 | Term 60 days, automatically renewable under the current conditions of the Standard Deposit (see price list) | Minimum amount of setting-up per Deposit: €100 | Set-up maximum per Deposit: 100.000€ | Reinforcements are not allowed​| 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.​​

4- AB Salary Savings
The AB Salary Savings account offers exclusive savings to private customers with a current account and salary, or retirement/pension domiciled at Banco ActivoBank, S.A. within the last 60 days. Partial or total early mobilization is permitted at any time during the term deposit's term, with a 100% penalty applied to the interest on the mobilized amount in the respective period that has not yet been paid. If, in the previous 30-day interest calculation period, the customer receives the salary or retirement/pension in the demand deposit account associated with this deposit, the base interest rate (TANB) is 1.75%, which corresponds to a TANL of 1.26%. Otherwise, 0% applies.

5- Classic Credit Card
TAEG 17,9%, TAN 17,400% for a credit limit of €1,500, paid in 12 equal monthly installments of principal, plus interest and charges. Exempt from disbursement commission. Credit is subject to approval.