Subscription is subject to payment of a monthly package 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.

Account opening with a minimum initial deposit of €100 or €0 if the Account is opened digitally and the first movement is a bank transfer. Subject to the Client's acceptance policy. ​​​​

*Conditions of access to the Campaign of €0.00 for 3 months: Campaign valid from 21/10/2024 to 21/01/2025. The subscription of the AB Plan in these conditions exempts you, for the month of subscription and the following three months, from paying the Package Account Maintenance Fee. After this exemption period, this fee will be debited from the respective Current 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. 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. ​

2- 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.

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
It is an authorized overdraft facility that allows you to have early access, on the first day of each month, to up to 100% of your salary, up to a maximum financed amount of €5.000. For example, for a utilized amount of €1,500 over 90 days at a nominal interest rate (TAN) of 11,500%, the interest would be €43.14, plus a Stamp Duty of €1.74, resulting in an effective Annual Percentage Rate (APR) of 12,6%. Stamp duty is exempted for Credit usage up to the amount of the monthly salary Credited to the Account. Subscription is only available for domiciled salaries of €750 or more. Subject to Credit decision. With the AB Plan, you have access to a reduction of the TAN to 0% for the first 3 months and a TAN of 9,000% for the following months that you have the AB Plan. The TAN update will be available on the first day of the month following the subscription, which can take up to 30 days. The reduction of the TAN to 0% can only be used in the first three months of the first subscription of a Plan.

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.​