AB Plans

The upgrade that comes with a €1/month discount forever

AB Plus Plan, for just 3,99€/month 2,99€/month​

AB Premium Plan, for just 8,99€/month 7,99€/month

Valid from 01/04 to 31/05/2025

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PLAN COMPARISON

The upgrade that is in tune with the way you are​​

  • Premium
  • Plus
  • Your Account

AB Premium

8,99€/month 7,99€/month

Campaign valid from 01/04/2025 to 31/05/2025

AB Plus

3,99€/month 2,99€/month

Campaign valid from 01/04/2025 to 31/05/2025

Your Account

Free

Day to day
Account Maintenance
Cashback on household expenses11

3% (200€ per month, max)


2% (100€ per month, max)

Priority service

Customer Support Line and Pontos Activo

Cards / Transfers
Activo Viagem2
AB Gold Credit Card3
TAEG 17,9% | TAN 12,200%
Visa Classic Credit Card4
TAEG 17,9% | TAN 17,400%
Debit Card
SEPA and MBWAY Transfers
Invest and Save
Stock market orders (all markets)

3 per month


2 per month


1 per month

Stock Exchange Service Commission
PoupeUp goals

Unlimited


4


1

Loans
Salary Advance5
TAEG 12,6% | TAN 11,500%

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


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


TAN 11,500%

Insurances
Home Medical Assistance Insurance
Family Civil Liability Insurance
Pet Civil Liability Insurance
Extra Benefits
Galp Fuel Vouchers6
Campaign valid until 30/06/2025

5 vouchers worth 2€ per month


2 vouchers worth 2€ per month

OSCAR Services Vouchers7
Campaign valid until 18/06/2025

2 vouchers worth 5€ per month


1 voucher worth 5€ per month

Learn more Learn more Learn more

If you are already our Client, you can contract one of the AB Plans in the ActivoBank App, at an ActivoBank Branch or via the Support Line**

Open Account Subscribe

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.

Find your own tune with the Plan that is best suited to you​

An extra €22 a month on your monthly budget?​Simple, for those who choose AB Plus Plan

Because you bring together Cashback, Family Civil Liability Insurance and 7 more benefits.

Know the benefits

An extra €41 a month on your monthly budget?​ The AB Premium Plan is the right upgrade.​

Because you chose to put money aside with unlimited goals and 12 other benefits.

Know the benefits

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

New and current Private Clients, over 18 years old and emancipated.

€3,99 per month, plus Stamp Duty at the legal rate, which is currently 4%. The amount will be debited from the Current Account associated with the Plan.​

€8,99 per month, plus Stamp Duty at the legal rate, which is currently 4%. The amount will be debited in the respective Current Account to which the Plan is associated.​

You can subscribe to the AB Plus or Premium Plans on the ActivoBank App, at a Ponto Activo or through the Customer Support line: +351 210 030 700 (calls to national landline) with personalized service on weekdays (8am-10pm), Saturdays (10am-8pm), Sundays and holidays (12pm-8pm). The cost of communication depends on the tariff you have agreed with your telecommunications provider.

No

The Plans AB Plus and AB Premium become active on the working day following subscription, as well as all associated benefits.

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Campaign valid between 01/04/2025 and 31/05/2025.

*The campaign gives access to a €1 discount on the monthly Package Account Maintenance Fee, as long as the Customer remains with the AB Plus Plan, provided it is subscribed between April 1 and May 31, 2025. You can consult the Terms and Conditions of the Campaign on the ActivoBank website

**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.​