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For you who are

Account with no Maintenance Fee?

Embark now on this flight that has exclusive benefits for you

Campaign valid from 1/5 to 30/6/2025, can be cumulated with others in effect

Use the promotional code to open your account and gain access to more exclusive benefits

I have a code Request code

CheckIn: it all starts with the Account

Open an Account1 with the promo code and get rid of Maintenance Fees.

You also pay nothing for the Debit Card, MBWAY transfers or the Classic Credit Card2 TAEG 17,9%.

From here, we're counting down to more incredible advantages.

Up to 30 days after opening the Account

Upgrade to the AB Plus or AB Premium Plan, free of charge for 6 months3

Discover more than 10 advantages on our App or Website and choose your Plan to have a Bank with more flavor.

AB Premium

€8,99/month

€0,00/month for 6 months*

See plan

AB Plus

€3,99/month

€0,00/month for 6 months*

See plan
  • Premium
  • Plus
AB Plans Table

AB Premium

AB Plus

Day to day
Account Maintenance
Cashback on household expenses4

3% (200€ per month, max)


2% (100€ per month, max)

Priority service

Customer Support Line and Pontos Activo

Cards / Transfers
Activo Viagem5
AB Gold Credit Card6
TAEG 17,9% | TAN 12,200%
Visa Classic Credit Card2
TAEG 17,9% | TAN 17,400%
Debit Card
SEPA and MBWAY Transfers
Invest and Save
Stock market orders7 (all markets)

3 per month


2 per month

Stock Exchange Service Commission8
PoupeUp goals9

Unlimited


4

Loans
Salary Advance10
TAEG 12,6% | TAN 11,500%

TAN 9% (0% for the first 3 months)


TAN 9% (0% for the first 3 months)

Insurances
Home Medical Assistance Insurance
Family Civil Liability Insurance12
Pet Civil Liability Insurance13
Extra Benefits
Galp Fuel Vouchers14
Campaign valid until 30/06/2025

5 vouchers worth 2€ per month


2 vouchers worth 2€ per month

OSCAR Services Vouchers15
Campaign valid until 18/06/2025

2 vouchers worth 5€ per month


1 voucher worth 5€ per month

Learn more Learn more

Last call: up to 90 days after opening the Account

Collect up to €12516 with a Classic Credit Card2 TAEG 17,9%, free of Availability Fee

A

€100 for receiving your Salary of €900 or more at ActivoBank

B

€25 more if you take out the Salary Anticipation10 TAEG 12,6%, to have an extra amount of up to €5.000 available from the 1st of each month. There is no membership fee, and you only pay if you use it.

Need another reason to get on board?

At ActivoBank, your Salary could be worth a double round trip17 to Marrakech, Ibiza or Prague.

Campaign valid from 1/4 to 31/05/2025, for Domiciled Salary with a value equal to or greater than €900 net, accepting the period of permanence of the Salary for 12 months.

Gesto

Your partnership manager

Contact us

worksites@activobank.pt

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

You can open an Account online (via App/Website) or at an ActivoBank Branch.

Online Account openings are only available with one holder. To open a joint Account or to include holders on pre-existing Accounts, you must go to one of our Branches.

The promotional code is an alphanumeric code provided on the campaign's conditions, that identifies the partnership with the Company, through which the Employees are eligible to access the preferential conditions (example: WSX123456).

For online Account openings (via App/Website), the promotional code is entered when you start the Account opening process and must be filled out with small letters and no spaces.

When the Account opening is on-site, at ActivoBank Branches, the promotional code must be given.

Yes. The campaign includes a set of advantages for current Clients, from which you can benefit by indicating your promotional code whilst contacting the Bank. You can do it through our Support Line or at an ActivoBank Branch.

Yes. The campaign includes a set of advantages for those who already were ActivoBank Clients. In case your Client file isn't updated, you can do it by contacting the Bank. Don't Forget to mention the promotional code so that the advantage(s) from the ongoing campaign you wish to enjoy is/are applied.

Yes. According to the ongoing options and if they are cumulative with the previous advantages from past campaigns you benefited from.

Yes. It will imply authorization, after contact with our Partnership Managers. You must mention the code from the campaign you intend to benefit from and make sure it's still on the validity period of the preferential conditions.

No. The campaign is valid only for Clients over the age of 18.

You can open an account in our branches or via video call in our app if you have a residence permit* or a passport.
Important: Only the latest Residence Permit Models are accepted.

No. The campaign is exclusive for 1st holders of ActivoBank Accounts.

Yes. Although it is not included in the campaign, when requested, ActivoBank offers preferential conditions for Term Deposits, according to the pricing in effect at the time of establishment, within the scope of the partnership with the Company.

It does not apply if you have already benefited from the same advantage in previous campaigns.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Campaign valid from 01/05/2025 to 30/06/2025, exclusively for new Customers who opened an Account with the ActivoBank partnership promotional code. Can be combined with other current campaigns.

1- Account opening with a minimum initial deposit of €100 or €0 when opening an account digitally, and with the first transaction by bank transfer. Subject to 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. The refunded amount confers income to the Holder and is subject to a withholding tax of 28%, the amount received through cashback corresponding to the value of the offer already deducted from such withholding tax. 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- Cashback ActivoViagem (opção 30 dias)

5- Activo Viagem Cashback (30 days option)​​
Refund of the Activo Viagem commission, 30-day option, in the amount of €3.99, for subscriptions in Card Accounts linked to the Current Account with AB Premium Plan at the time of subscription. The amount will be credited to the Current Account at the beginning of the month following the applicable subscription.

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- Stock market Orders
Exemption of the maximum amount of €5,00 (AB Plus) or €10,00 (AB Premium) for the second stock market order of the month, executed in any market, applicable to all the securities accounts associated to the Plan's current account, as long as the Order is inserted through the automatic channels (App or Site). Stamp Tax at the legal rate, currently 4%, is added to the non-exempt amounts and will be charged to the Current Account. Orders executed on the business day following the confirmation of the Plan subscription will benefit from this exemption. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to trade financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult.

8- Stock Exchange Service Commission
Exempt from Stock Exchange Service Commission, up to €3.00 per month, applicable to Integrated Securities – National and International. VAT at the legal rate is added to the non-exempt amounts, which is currently 23%, whose payment will be debited to the Current Account. The exemption is applied in the subsequent period, after subscription of the Plan. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to negotiate financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult.

9- PoupeUp Account
The PoupeUp account works similarly to a virtual money box, where it is possible to save money to fulfill a specific objective, defined and freely editable by the depositor. There are different modes where you can define the amount and frequency of the savings or you can set aside a fixed amount of your salary.

10- Salary Advance Loan
This is an authorized overdraft facility which allows you to have early access, on the first day of each month, to up to 100% of your salary, with a maximum amount financed of €5,000. TAEG 12.6% | TAN 11.500% for an example of an amount used of €1,500, for 90 days at an TAN of 11.500%, the interest will be €43.14 plus Stamp Duty on the interest of €1.74, which corresponds to an overall effective annual rate (TAEG) 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. Credit subject to approval.

11- Insurance for medical assistance at home
Home Medical Assistance Insurance that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, whose General and Specific Conditions will be provided to the subscriber of this Plan. It is not possible to purchase this insurance product separately from the AB Premium Plan.

12- Family Liability Insurance
Family Liability Insurance that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, whose General and Specific Conditions will be provided to the subscriber of this Plan. There are exclusions outlined in the policy.

13- Pet Civil Liability Insurance
Pet Civil Liability Insurance – Dogs and Cats that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, owner of the dog or cat, properly licensed, whose General and Specific Conditions will be provided to the subscriber of the AB Premium Plan. It’s not possible to subscribe to this Insurance separately from the AB Premium Plan.

14- 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.

15- 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.

16- €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 August 2025 and are subject to the 1st holder of the Current Account holding a Classic Credit Card until July 31, 2025.

17- Active Salary - Conditions for access to the campaign:

1st) Domicile your 1st Salary of €900 or more net in your Account as the 1st holder (no Salary domiciled since 1/4/2024);
2nd) Between 10/06 and 20/06/2025, after clearance, accept in the App the 12-month period of permanence of the Salary and the terms and conditions of the campaign.

Flight voucher for 2 people round trip exclusively to the destinations mentioned. After receiving the voucher, use the code until 31/7/2025 on www.ordenadocomasas.com and travel until 31/7/2026. Excludes travel taxes of €30/person to be borne by the Customer and is subject to the scheduling conditions set out in the campaign regulations.

The value of the benefit corresponds to taxable income under the terms of Article 5(1) and (2) of the Personal Income Tax Code (IRS) and is subject to withholding tax at the rate of 28%, unless the option is to be included, in which case the general IRS rates will apply. The value of the gross benefit will be €125, with an IRS withholding tax of €35, and will be duly reported to the Tax and Customs Authority.

EXCLUSIVELY FOR NEW SALARIES PAID BETWEEN APRIL 1, 2025 AND MAY 31, 2025.

A domiciled salary is considered to be the amount credited by bank transfer duly coded at source with the ISO code “SALA” or “PENS”, “08” or “11”.

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.

Logotipo Ocidental

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.