AB Premium Plan

Account associated with the main Account that allows you to create virtual savings jars to achieve goals set by you with savings rules that help you reach them. For example, in the 'Step by Step' mode, you can define the amount and frequency of Savings, and with the 'Payday' mode, a fixed amount of your Salary that you want to set aside every month. You also have the freedom to choose and create your own goals. With the AB Plans, this Account is remunerated.

At Activobank, with the Simple Account, you don't pay a maintenance fee for the Current Account, which can mean an annual savings of up to €124 (considering the maximum Base Account Fee published on the Banco de Portugal portal in Dec/25).

Includes cashback on water, electricity, gas, and telecommunications expenses paid to Portuguese entities by direct debit from the Current Account associated with the Plan. The cashback amount is credited to the Current Account at the beginning of the month following the applicable direct debits. If you change Plans, the percentage corresponding to the new solution applies from the date of the change.

Includes the subscription fee for Activo Viagem (30-day option) in the Cards associated with the Account with AB Plan which ensures exemption from international fees on purchases and withdrawals. You must subscribe to Activo Viagem on the Card in the App > More > Activo Viagem (automatic activation is not performed).

In person: Priority service at Activo Points. Get a ticket in the App > More > Activo Points and Tickets to be called next. By phone: Priority access to the Customer Support Line +351 210 030 700 (Call to the national landline network), with personalized service on weekdays (8am-10pm), Saturdays (10am-8pm), Sundays and holidays (12pm-8pm). The cost of calls depends on the tariff you have agreed with your telecommunications operator.

Included in the AB Premium Plan is the fee for the AB Gold Credit Card of €35.88 (paid monthly in the amount of €2.99), as long as you maintain the subscribed Plan. The decision is subject to Credit risk analysis. APR of 17.9%, AIR of 12.200% for a €1,500 Credit paid in 12 equal monthly installments of principal plus interest and charges.

Fee for the availability of Classic Credit Card €0. The decision is subject to Credit risk analysis. APR of 17.9%, AIR of 17.400% for a €1,500 Credit paid in 12 equal monthly installments of principal plus interest and charges.

Comissão de disponibilização Cartão de Débito 0€.

Sem custos nos canais digitais.

Salary Advance Credit gives you the possibility of taking your Account to a negative balance at any time and only paying interest on the amount you use. With the AB Plan, you do not pay interest on negative balances up to €200 / month. It is a simple and practical way to manage small unforeseen events without additional costs, without having to withdraw money from your savings. You must apply in the App, and the decision is subject to Credit risk analysis. Authorized overdraft on the first day of each month up to 100% of the Salary amount (max. €5,000). TAEG 13.8% | TAN 12.500% for €1,500 over 90 days; Interest: €46.89 + IS €1.89. IS exemption up to the monthly salary amount credited to the Account.

Exemption from Stock Orders executed in any market, applicable to all securities Accounts associated with the Current Account of the Plan, placed through automated channels (App or Website) and executed on the business day following confirmation of the Plan subscription. Investing in financial instruments requires the Client’s certification under the Markets in Financial Instruments Directive (MiFID II). Complete the MiFID II Questionnaire available on the App or Website of ActivoBank so that ActivoBank can determine this certification.

Includes the Stock Service Fee up to €3.00/month, applicable to Integrated Securities - National and International. VAT at the legal rate, which is currently 23%, will be added to non-exempt amounts, and payment will be debited from the Current Account. The exemption is applied in the subsequent period after the Plan subscription. Investing in financial instruments requires the Client’s certification under the Markets in Financial Instruments Directive (MiFID II). Complete the MiFID II Questionnaire available on the App or Website of ActivoBank so that ActivoBank can determine this certification.

Dispatch of a doctor to the home in case of sudden and urgent illness, with a cost of €10 to be borne by you. Available on weekdays from 8pm to 7am, and on Saturdays, Sundays, and holidays at any time. It covers the Holder of the Current Account with the AB Plan, their spouse or equivalent, and dependent children residing at the same address, single and under 24 years old. The insurance is activated through the line 21 034 79 33, where the provider must confirm at that moment with the Bank that you hold a Current Account with the AB Plan (you may have to wait for this confirmation). There are exclusions provided in the policy, and it does not exempt the consultation of the contractually and pre-contractually required information.

Payment of material and non-material damages resulting from bodily or material injuries caused to third parties in the context of private life and the use of non-motorized vehicles for children driven by minors (such as bicycles and scooters). Maximum coverage of €150,000 per year, with a limit of €25,000 per victim. Deductible of €150 for claims involving glasses, televisions, computers, game consoles, mobile phones, tablets, and similar items. It covers the Holder of the Current Account with the AB Plan, their spouse or equivalent, and dependent children residing at the same address, single and under 24 years old. To activate, send an email to sinistros.patrimoniais@ocidental.pt within 48 hours, attaching proof/document containing the date of subscription to the AB Plan. There are exclusions provided in the policy, and it does not exempt the consultation of the contractually and pre-contractually required information.

Pagamentos de danos patrimoniais e não patrimoniais resultantes de lesões corporais ou materiais causados a terceiros pelo cão ou gato, propriedade do Titular de Conta à Ordem com Plano AB. O animal deve ter licença camarária ou, no caso dos cães, identificação eletrónica (microchip) e boletim de vacinas atualizado. Excluidos animais considerados de raça perigosa ou potencialmente perigosa. Franquia de 150€ por sinistro com capital máximo 50.000€ por anuidade e 25.000€ por lesado. Para acionar enviar email para sinistros.patrimoniais@ocidental.pt, no prazo de 48h, anexando um comprovativo/documento onde conste a data de adesão ao Plano AB. Existem exclusões previstas na apólice e esta informação não dispensa a consulta da documentação contratual e pré contratual legalmente exigida.

Os objetivos da Conta PoupeUp são cofres personalizáveis que pode criar a qualquer momento. Pode definir o nome, imagem, data, montante objetivo e regras de transferências para poder alimentar esse objetivo. Com o Plano AB Premium tem a possiblidade de criar objetivos personalizados ilimitados na sua Conta PoupeUp.

Seguro de Assistência na Urgência Médica ao Domicílio - Envio de um médico ao domicílio em caso de doença súbita e urgente, ficando a seu cargo o valor de 10€. Disponível nos dias úteis das 20h às 07h e nos Sábados, Domingos e Feriados em qualquer horário. Abrange o Titular da Conta à Ordem que tem o Plano AB e o seu cônjuge ou equiparado e filhos dependentes residentes na mesma morada, solteiros e com idade inferior a 24 anos. O seguro é acionado através da linha 21 034 79 33 tendo o prestador de confirmar naquele momento com o Banco que é titular de uma Conta à Ordem com Plano AB (poderá ter de aguardar esta confirmação). Existem exclusões previstas na apólice e não dispensa a consulta da informação contratual e pré-contratual legalmente exigida.

Seguro de Responsabilidade Civil Familiar - Pagamento de danos patrimoniais e não patrimoniais, resultantes de lesões corporais ou materiais causados a terceiros no âmbito da vida privada e da utilização de veículos para crianças sem motor conduzidos por menor (tais como bicicleta e trotinete). Capital máximo de 150.000€ por anuidade, com limite de 25.000€ por lesado. Franquia de 150€ para sinistros com óculos, televisores, computadores, consolas de jogos, telemóveis, tablets e similares. Abrange o Titular da Conta à Ordem que tem o Plano AB e o seu cônjuge ou equiparado e filhos dependentes residentes na mesma morada, solteiros e com idade inferior a 24 anos. Para acionar enviar email para sinistros.patrimoniais@ocidental.pt, no prazo de 48h, anexando um comprovativo/documento onde conste a data de adesão ao Plano AB. Existem exclusões previstas na apólice e não dispensa a consulta da informação contratual e pré-contratual legalmente exigida.

Seguro de Responsabilidade Civil Animais Domésticos - Pagamentos de danos patrimoniais e não patrimoniais resultantes de lesões corporais ou materiais causados a terceiros pelo cão ou gato, propriedade do Titular de Conta à Ordem com Plano AB. O animal deve ter licença camarária ou, no caso dos cães, identificação eletrónica (microchip) e boletim de vacinas atualizado. Excluidos animais considerados de raça perigosa ou potencialmente perigosa. Franquia de 150€ por sinistro com capital máximo 50.000€ por anuidade e 25.000€ por lesado. Para acionar enviar email para sinistros.patrimoniais@ocidental.pt, no prazo de 48h, anexando um comprovativo/documento onde conste a data de adesão ao Plano AB. Existem exclusões previstas na apólice e esta informação não dispensa a consulta da documentação contratual e pré contratual legalmente exigida.