* The presented amount is the maximum annual maintenance fee for a "Base" Account listed in the fee comparison tool provided by Banco de Portugal on July 18, 2025.
Campaign valid from 01/09/2025 to 31/10/2025, exclusively for new Customers who opened an Account with the ActivoBank partnership promotional code. Can be combined with other current campaigns.
1- 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.
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.
3- For Customers who sign up to one of the AB Plans within 30 days of Opening their Account, membership will be exempt for a period of 6 months from the date of signing up (month of signing up and five months thereafter): payment of the Account Maintenance Commission Package of €3.99 (AB Plus Plan) or €8.99 (AB Premium Plan), plus stamp duty at the legal rate (currently 4%). After this exemption period, the amount of this fee will be debited from the respective Current Account.
4 - Cashback on household expenses
2% refund on AB Plus Plan and 3% on AB Premium Plan 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 €100 on the AB Plus Plan and €200 on the AB Premium Plan in all expenses. Maximum monthly cashback limit of €2 for the AB Plus Plan and €3 for the AB Premium Plan. 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. Regarding the percentage applicable to the cashback, in case of change of Plan by the Client, the percentage corresponding to the new integrated solution of products and banking services shall apply from the date of the change and, until this date, the percentage corresponding to the old conditions shall apply.
5- Activo Viagem waiver (30-day option)
The waiver of the Activo Viagem 30-day option fee applies under the AB Premium Plan, valued at €3.99, for subscriptions on Card Accounts associated with the Current Account with the AB Premium Plan at the time of subscription. For the AB Plus Plan, the waiver of one Activo Viagem 30-day option fee per calendar year (between January 1st and December 31st) applies, granted on the first subscription within the year on a Card Account associated with the Current Account that has an active AB Plus Plan at the time of fee charging.
6- AB Gold Credit Card
The AB Gold Credit Card, issued in the name of an Account Holder, is exempt from the provision fee, and the issuance of the Credit Card is cumulatively dependent on the prior subscription of the Application Proposal and the General Terms of Card Use, by each applicant, and the respective acceptance by the Bank, subject to the Bank's free assessment of their creditworthiness.
TAEG 17,9% | TAN 12,200% for a Loan of €1.500 paid in 12 equal monthly installments 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.
7- Salary Advance Loan
TAEG 13,8% | TAN 12,500%
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.
8- Galp Vouchers
For each Client who holds an AB Plan as of the 25th of the previous month, discount vouchers worth 2€ each are granted (5 vouchers worth 2€ per month for AB Premium Plan and 2 vouchers worth 2€ per month for AB Plus Plan). 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.
9- OSCAR Vouchers
For each Client who holds an AB Plan as of the 25th of the previous month, discount vouchers worth 5€ each are granted (2 vouchers worth 5€ per month for AB Premium Plan and 1 voucher worth 5€ per month for AB Plus Plan). Coupon cannot be combined with other valid coupons. It is valid only for OSCAR App services of €20.00 or more and expires after one month from the date of issue. You can access the vouchers via email or SMS.
10- €100 gross on a Classic Credit Card (TEAG 17,9%) for Customers who receive their first salary payment of €900 or more net within 90 days of opening their Account or €125 if they also take out the Salary Anticipation (TAEG 12,6%) within this period. This benefit is subject to withholding tax at the rate of 28% unless they opt for aggregation. The benefits relating to Salary Domiciliation and Salary Anticipation will be credited in January 2026 and are subject to the 1st holder of the Current Account holding a Classic Credit Card.
11- Exclusive offer for new Salaries ≥ €900 between 01/09 and 31/10/2025. A “new Salary” is considered the first salary domiciled in your Account as primary holder, over 18 years of age (with no salary domiciliation since 01/09/2024). TTANB of 5% (TANL 3.6%) on the PoupeUp Account, for 365 days. Daily interest on a maximum balance of €5,000, paid monthly. Must be subscribed through the App by 31/12/2025. No minimum or maximum amount required for opening/maintenance. TANB credited to the PoupeUp Account by the end of the month following compliance with the participation conditions.
6 months of Amazon Prime, courtesy of ActivoBank. Amazon Prime terms and conditions are subject to change. Automatically renews at €4.99/month. You may cancel at any time in your Amazon account. Limited to one voucher per Client who has not used an Amazon promotional offer in the past 12 months. Amazon.com, Inc. and its affiliates are not sponsors of this campaign. Amazon, Amazon Prime and all related logos are registered trademarks of Amazon.com, Inc. or its affiliates. Voucher sent by 30 November 2025 to the email address registered with the Bank.
Benefits subject to IRS at 28% (or optional aggregation). Amazon voucher of €29.94 with €11.64 IRS (gross amount €41.58) borne by ActivoBank.
Please refer to the full Campaign Terms and Conditions.
Check campaign conditions here
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.
