AB Plans

Do you have a Plan?​

Start simplifying your daily life with all the benefits

See Plans

Our Plans AB Plus and AB Premium​

Find what best fits your life

AB PLUS

The upgrade you need to simplify your daily life

3,99€ per month​

ou

0,00€ per month for 3 months*

Campaign valid from 16/01/2024 to 15/07/2024​

The benefits you can take advantage of

Salary Advance with reduced rate (min. €750)1
TAN 10,5% | TAEG 11,5%;
TAN 9% if you have an AB Plan
4,69€
2% Cashback on household expenses (100€ per month, max)2 2€
3 Instant Transfers per month (€1,60 each)​ 4,8€
2 Stock market orders per month 5,00€
Stock Exchange Service Commission (Integrated Securities – National and International)​ 3€
Pet Civil Liability Insurance 3,33€
Family Civil
Liability Insurance
2,92€
4 PoupeUp goals​6 0€
Monthly total without plan

25,74€

Monthly total
with AB Plus plan

3,99€

More benefits: 

€4 in GALP fuel
2 Coupons of €2 each3 per month (5 cents per liter – maximum 40L)​
Campaign valid until 31/12/2024.​

€5 in OSCAR services. 1 Coupon of €5 per month5. Campaign valid until 18/06/2024.​​

Learn more

Your account

No upgrade, but it also has benefits​

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.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

Who are the Plans AB Plus and AB Premium for?

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

What is the cost of the AB Plus Plan and how is it charged?

€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.​

What is the cost of the AB Premium Plan and how is it charged?

€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.​

Where can I subscribe the Plans AB Plus and AB Premium?

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.

Are there loyalty agreements?

No

When can I start using the benefits?

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

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

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 16/01/2024 to 15/07/2024 for new Clients who subscribe to an AB Plus or AB Premium Plan within 30 days of opening an Account in ActivoBank. 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. 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 of 3,99€, for the AB Plus Plan, and of 8,99€, for the AB Premium Plan, plus Stamp Duty at the legal rate (currently 4%). After this period, the 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- 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 10,500%, the interest would be €39.39, plus a Stamp Duty of €1.59, resulting in an effective Annual Percentage Rate (APR) of 11.5%. 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. To calculate the amount specified in the benefit, the difference in interest paid in a year for an amount of €1.500 used monthly with a TAN of 10,5% and the same amount with the AB Plan promotional TAN of 0% in the first 3 months and 9% in the following 9 months of the year was considered. This interest difference corresponds to an average monthly amount of €4,89 (this calculation doesn’t consider the Stamp Duty).

2- 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. ​

3 - GALP Coupons
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).

4- 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.

5- OSCAR Coupons
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.​

6- PoupeUp Account
The PoupeUp account works similarly to a virtual money box, where it is possible to save money to fulfill a specific objective, defined and freely editable by the depositor. There are different modes where you can define the amount and frequency of the savings or you can set aside a fixed amount of your salary.​