Salary Domicile: Activo Salary

Haven't brought your Salary to ActivoBank yet?​

You could receive up to €4001

Exclusive for new Salaries between 01/04 and 30/06/2026​

Salary Domicile
Open Account Online

So simple to have 400 reasons to start receiving your Salary at ActivoBank

So simple to have 400 reasons to start receiving your Salary at ActivoBank

Learn how to participate:

Bring your Salary for 3 consecutive months into an Account as the primary holder over 18 years old;

Have 2 active direct debits;

Join the campaign through the App;

Accept the 24-month loyalty period.

View terms & conditions

At ActivoBank, your Salary is worth an iPhone 17 interest-free2

Choose the term and the pack you prefer and simulate your monthly payment.
Exclusive to New Salaries domiciled between 01/04 and 30/06/2026.

Choose the term

Choose the pack you prefer

Black iPhone 17 +
AirPods 4

Silver iPhone 17 Pro
+ AirPods 4

Orange iPhone 17 Pro Max
+ AirPods 4

Your simulation

12x
124,92€/month

Nominal Rate: 0,000% 7,950%

Loan amount: 1.499€

Charges and fees: 26,38€

APR: 3,3% 12,2%

Interest: 0,00€

Total Amount Payable: 1.525,38€

Standardized Information Sheet Draft Contract

I want it! How does it work?

First receive the new Salary from 1/4 to 30/6 and then apply for Credit via 210 030 730* or at an Activo Point

*Personalized service from Monday to Friday, from 9:00 to 17:30 (call to national landline network). The cost of communications depends on the tariff agreed with your telecommunications operator.

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

AB Salary Savings3

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

Term: 30 days, automatically renewable under the current conditions of the Standard Deposit | 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.

See price list
Set up Savings

Becoming an ActivoBank Client is simple

Manage everything on your smartphone: fast, convenient, and completely secure.​

No Account Maintenance Fee

No Debit Card Provision Fee

No provision fee for the Classic Credit Card1 (TAEG 17,9%)

MB Way without any costs

1st Order2 of the Month at €0

An App where you can do everything​

The simplicity of having everything in one App

Manage your Direct Debits with ActivoBank.

More convenience

Forget queues and due dates.

More security

Keep a close eye on amounts and service providers.

More time for you

Less stress, more freedom.

Learn more

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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Documentation

Consult here more information about the Activo Salary

1- Active Salary​​

Valid for Clients who bring a minimum net Salary of €900 to ActivoBank for the first time between 01/04 and 30/06/2026.

The amount is paid in the 4th month after the first domiciliation and depends on the amount of the Salaries received.​

​The credited amount is taxable income according to article 5.º n.º 1 of the Personal Income Tax Code and subject to withholding tax at a flat rate of 28%, unless opting for aggregation. The total gross benefit amount will be, at most, €400 with €112 of IRS withheld at source.​​

Consult the Terms and Conditions here

*A new salary is defined as the first salary domiciled into your account as the primary account holder, aged 18 or over (with no salary domiciled since 01/01/2025).

2 - Conditions for purchasing iPhone and AirPods packs
To purchase the iPhone and AirPods packs, it is necessary to previously validate the domiciliation of a new salary during the campaign period, which runs from April 1 to June 30, 2026.
The maintenance of the TAN of 0.000% is conditioned on the permanence of this domiciliation throughout the entire loan term.
In case of non-compliance with this condition, the TAN will be updated to the base rate in force at the date of contracting.
The purchase can be made through the number 210 030 730* or at an Active Point.
* Personalized service available from Monday to Friday, from 9:00 to 17:30 (call to national landline network). The cost of the call depends on the tariff agreed with your telecommunications operator.

3 - iPhone 17 256 GB Black + AirPods 4 TAEG (domiciled salary) 1.2% | TAN 0.00%. Amount: €1,139 over 36 months; installment: €31.64/month; MTIC: €1.159,05. Opening fee exemption (€0). Stamp Duty applies. Credit subject to approval.

4 - iPhone 17 Pro 256 GB Silver + AirPods 4 TAEG (domiciled salary) 1.2% | TAN 0.00%. Amount: €1,499 over 36 months; installment: €41.64/month; MTIC: €1.525,38. Opening fee exemption (€0). Stamp Duty applies. Credit subject to approval.

5 - iPhone 17 Pro Max 256 GB Orange + AirPods 4 TAEG (domiciled salary) 1.2% | TAN 0.00%. Amount: €1,649 over 36 months; installment: €45.81/month; MTIC: €1.678,02. Opening fee exemption (€0). Stamp Duty applies. Credit subject to approval.

6- Salary Advance Loan
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.​​​​​

8- 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 1.50%, which corresponds to a TANL of 1.08%. Otherwise, 0% applies.

9- 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.

Other Stock Exchange Orders: €/$5 (EUR/USD markets). PUB This information does not dispense with consulting the Price List. Investment involves risk and may result in the total loss of invested capital. To invest in financial instruments, Client authorization under MiFID II is required by completing the questionnaire available on the ActivoBank website and App.​