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.

Subscription implies the payment of a monthly Account Maintenance Fee of €3.99 for the AB Plus Plan and €8.99 for the AB Premium Plan, plus Stamp Duty at the legal rate, currently 4%, which will be debited from the respective current account.​

*Conditions for accessing the €0,00 for 3-month campaign: Campaign valid between July 1, 2025 and September 30, 2025, for new customers who subscribe to the AB Plus or AB Premium Plan within 30 days of opening an account with ActivoBank. Account opening requires no minimum initial deposit. For accounts opened digitally, the first transaction is by bank transfer. Subject to the customer acceptance policy. Customers who subscribe to the AB Plan under these conditions will be exempt from the Package account maintenance fee in the month of subscription and for the following three months, amounting to €3,99 for the AB Plus Plan and €8,99 for the AB Premium Plan. These amounts are subject to stamp duty at the current legal rate of 4%. After this exemption period, the fee will be debited from the respective checking account.

**Support Line +351 210 030 700, in or outside Portugal. Personalized service on working days and national holidays (8h-22h), Saturdays (10h-20h), Sundays and remaining holidays (12h-20h). Automatic customer service available 24 hours/day. The cost of communications depends on the tariff agreed with your telecommunications operator.​​

1- 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.

2- 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.

3- 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.

4- 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.

5- Salary Advance​ Loan
TAEG 12,6% | TAN 11,500%
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.

6- 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.

7- 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.​