Ordenado Activo

When I need my salary, it is on.

I can request the anticipation of my salary up to 100%, on the first day of the month.
TAEG 11,5% | TAN 10,500%

Valid for Salaries or Retirements, equal or higher than 750€ net.

Domiciling my salary

ORDENADO ACTIVO

And even more advantages...​

Receive in ActivoBank your salary or retirement, of an amount equal or higher than €750 net, and enjoy the advantages Ordenado Activo1

Exemplo Antecipação Ordenado

Imagine you have a washing machine breakdown

This unexpected expense can arise long before your payday. If you use €100 of the advance to pay for the repair, you will pay less than €1 in interest.

To request a salary advance, visit us at a Ponto Activo.

HOW TO DOMICILIATE YOUR SALARY

Receiving your salary or retirement with us does not cost anything

You just need to give the NIB ActivoBank to your employer or, in case of retirement, to the Social Security

ActivoBank

AWARDS

It is DECO PROTESTE that said it...​

"BEST OF THE TEST", from DECO PROTESTE, in the category Best Retail Bank, in Portugal. Prize awarded in March 2022. Valid until June 2023.​

This award is the exclusive responsibility of the entity that awarded it.​


Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Who is the “Ordenado Activo” aimed at?

The “Ordenado Activo” applies to customers who receive a salary or pension/annuity of at least €750 net/month.

How can I receive my salary or pension in ActivoBank?

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.

Where can I find my ActivoBank NIB /IBAN?

You can find it in the App, after logging in, under Checking Account > View Details > Details. You can also do this on the Website after logging in under Other Transactions > Account Information.

What is the salary advance

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. It allows you to have more liquidity for your daily life or for unexpected expenses at preferential conditions. The salary advance contract is subject to a credit decision.

What costs will I incur if I receive salary advances?

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, which will accrue on the 1st of the month following the date you use it.

How is the amount of monthly salary advance available calculated?

The amount of the salary advance is equal to the average of the salaries or pensions/annuities paid into the Account in the two preceding months, but not more than the value agreed in the contract.

What is the amount if there were no salary or pension transfers in the previous two months?

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, not exceeding the approved amount or the maximum amount of EUR 5.000 (whichever is lower).

What happens if there is a month in which there is no salary or pension transfer?

If there is a month in which there is no salary transfer on the Account, even if this is due to a delay in transferring the salary or pension, the amount available on the following day 1 will only be equal to 75% of the average of the previous two months and cannot exceed the maximum amount authorised.

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Ordenado Activo

Documentation

Consult here more information about the Ordenado Activo

1- Ordenado Activo is valid for Clients with domiciliation of salary or retirement of an amount equal to or greater than 750€ net. A domiciled salary is the amount credited through bank transfer duly coded at origin with the ISO code "SALA" or "08" or "11". Under 18's and Customers with incidents are excluded.

2- You can have access to the anticipation, on the first day of each month, up to 100% of your salary. For an example of an amount used of 1.500 euros, for 90 days at a TAN of 10.500%, the interest will be EUR 39,39 plus Stamp Duty on the interest of EUR 1,59, which corresponds to an annual effective global rate (TAEG) of 11,5%. Stamp Tax exemption for the use of the Credit up to the amount of the monthly salary credited to the Account. Subject to Credit decision.

3-Personal Credit product exclusive for the purchase of items from our Checklist.
Example for a 36-month Loan of 1.690 euros.
TAEG of 1,7% and TAN of 0,00%* with a monthly installment of 46,94€, for a 36-month Loan of €1.690. Total amount charged to the consumer of 1.734,46€, including Stamp Duty for the use of the Credit. Exemption of the Loan Opening Fees. Subject to Credit Decision.

The installments of the Credit constitute regular charges for the bank Customer's family budget. It is essential that the Client previously consider if he/she has the financial capacity to assure the payment of the installments arising from the loans he/she intends to contract. For more information on family budget management, see the "Todos Contam" portal, at www.todoscontam.pt. The granting of Credit is subject to the macroprudential rules of the Bank of Portugal.

*It presupposes the detention of the following product:
Domiciliation of salary or retirement in the amount of €750 net in the Account associated with the Loan.