Idea born on the esplanade​ cannot be snatched from the jaws of victory

Personal Loan

for those who come back with new ideas​

TAEG 9,5% | TAN 7,600%

TAEG 8,4% | TAN 6,600%

Campaign valid from 1/9 to 30/9 of 2023

Simulate Personal Loan


Simulating doesn't cost a thing

How much do you want to order?

How many months do you want to pay?


Monthly installment
58.62 €

Monthly installment
58.62 €
Monthly installment
58.62 €
Term 18 months / 1,5 years

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See the life you’ve always wanted unfold

It’s simple and fast​

Request your Loan online, in the App or on the Website, and get your money immediately if approved

Flexible and customizable

Choose the amount you want (from €1.000 to €75.000) and how long you want to pay (from 18 to 84 months)


Protect yourself from the unexpected with our Insurance options

And no surprises

Enjoy a fixed rate and installment throughout the entire financing period

Loan Solutions for all stages of life

Crédito Automóvel e Motas

Buckle up

Driving with style on the road is simple. Do you prefer a car or a motorcycle?

Learn more
Crédito Ecoactivo

A greener routine ​

At home or on the move we support eco-habits. What's the scale of your sustainability?

Learm more
Crédito Formação

Celebrate your diploma

Want to get a Master's Degree, an MBA, or maybe participate in ERASMUS?

Learn more

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What are the minimum and maximum ages to request a Personal Loan?

The Personal Loan is for Clients between the ages of 18 and 70.

Are there fees for the Loan request?

There is a Loan opeing fee of 2% over the financed value, with a maximum of €300.

Are there any mandatory insurances?

There are 2 insurances that the Bank demands whenever financing for house is requested, Life insurance and Multirisk insurance.

Life insurance ensures the payment in case of death or permanent invalidity of the insured person. Multirisk insurance ensures that the property, besides the fire coverage (mandatory by law for all houses in regime of horizontal property,for the autonomous fraction as well as for the corresponding share of common areas), has a wide range of aditional coverages that ensure a bigger safety level to the property and to the insured person (examples: Flooding, plumbing malfunction, theft, civil responsability, amongst others).

What is the Payment Plan?

The Payment Plan is a projection in time of the payments to be made for the refund of a financing. For the Personal Loan with fixed rate, the settlement of the financing is made through constant instalments, with a monthly frequency (of capital and interest).

Can I give up on my Loan after I hire it?

You can give up on the Loan contract within 14 calendar days from the time of the signature, without specifying any reasons for the dropout, on the terms of article 17.º of Decree-Law n.º 133/2009 June 2nd. You can make this request through our Website or App, call +351 210 030 700 or go to one of our Branches. By giving up on the contract you will have to return the amount that has been loaned to you and pay the accrued interest within 30 days.

Is it possible to make an early, partial or total repayment of my Loan?

Yes, you can do it covered by the Loan’s contract, with 30 days' notice. Early repayment is subject to a fee calculated as follows: early repayment fee of 0.5% of the amount of the capital repaid early, if the period between the time of early repayment and the date stipulated for the end of this contract is greater than one year. If this period is less than or equal to one year, the early repayment fee is 0.25% of the amount of the capital repaid early.

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TAEG de 8,4% | TAN 6,600%, with monthly installments of €75,13, for a €5.000 Loan with a 84-month term. Total amount charged to the consumer: €6.502,92, including Loan opening fee of €100, interest and Stamp Duty on the use of the Loan and on the interest and comission. ​

Campaign valid from September 1 to September 30, 2023.​

Loan opening fee of 2% over the financed amount, with a maximum of €300.

Subject to Credit decision.​

The Loan's settlements are regular charges of the banking client's household budget. It is essential that the client previously weighs his financial ability to ensure the payment of the ongoing settlements of the loans he wishes to hire. For further information on household budget management consult "Todos Contam" at The provision of the Loan is subject to the macroprudential rules of the Banco de Portugal.

The opening of an Account is conditioned to the Client’s admission by the Bank, in accordance with its Customer Acceptance Policy. Minimum initial deposit of €500 to open an Account in an ActivoBank Branch and, if you open an Account online, you must transfer €100 from an Account you hold. The minimum initial deposit of €100 also applies to the opening of Salary Accounts, Student Accounts, and Accounts opened through worksite actions. This amount is Account balance and is entirely at the Client's disposal.

Banco ActivoBank, S.A., Office: Rua Augusta, 84 Lisboa, Share Capital 127.600.000,00 Euros, 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: 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.

Personal Data Protection and Insurance Mediation
ActivoBank, as insurance intermediary, carries out its business of distribuing insurance to the Insurance Company Ageas Portugal - Companhia de Seguros, S.A. (Non-Life Branch) and to the Insurance Company Ocidental – Companhia Portuguesa de Seguros de Vida, S.A. (Life Branch). In order to carry out this simulation, it may be necessary to proceed with the collection of personal data (such as identification and contact details, among others that may be necessary) to be transmitted to the Insurance Company.

Life Branch:
Ocidental - Companhia Portuguesa de Seguros Vida, S.A. - Praça Príncipe Perfeito 2, 1990-278 Lisboa. Legal person number 501 836 926, and registered under this number at Lisboa Trade Register, with share capital of €22.375.000. ASF register 1124,

Non Life Branch:
Ageas Portugal - Companhia de Seguros, S.A., Praça Príncipe Perfeito 2, 1990-278 Lisboa. Collective Person number 503 454 109 and registered under that number in the Porto Commercial Registry Office, with a share capital of 7.500.000 Euros. ASF Register 1129,