Salary Advance Loan

Get ahead and
outsmart the unexpected

It is an authorized overdraft facility

Subscription valid for salary domiciliation >= 750€

Loan subject to approval

Advance Salary

Salary Advance Loan surprise proof, from day one

No sign-up
fee

Advance up to 100%
of your salary

Available
anytime you need

If you don´t use it
you don´t pay anything

Something unexpected? Advance your Salary

TAEG 12,6% | TAN 11,500%

Available from the 1st day of each month

With the advance, you will get an extra amount available when you need it, up to a maximum of €5.000

Domicile your Salary with us

Choose ActivoBank to receive your Salary

Open the App, go to More > For You > Ordenado Activo and click on the Salary Domiciliation button

Send the IBAN to your employer

Use the email we have prepared for you and send it to your employer so that the Salary can be transferred to your IBAN at ActivoBank

Domicilate Salary I already receive in ActivoBank

Our Activo efforts are recognized

These awards are sole responsability of the entities who attributed them.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What is the salary advance?

The Salary Advance or Overdraft is an option that allows you to have up to 100% of your salary or pension/pension from the first day of each month. It allows you to have more liquidity for your daily life or for unexpected expenses at preferential conditions. It also allows you more liquidity in your daily life or to face unexpected expenses, with favorable terms. 
When you contract for a salary advance, this option is available to you if you choose to use it. If you do not use it, there is no cost to you. If you do use it, you will be charged interest at the current rate – check the price list.  
The salary advance contract is subject to a credit decision.

When is the Salary Advance available and what’s the amount? 

The Salary Advance is available on the first day of each month, with a maximum amount equal to the monthly average of the values credited to the Current Account as salary/pension (properly codified) in the previous two months, not exceeding the maximum contracted amount. 

What happens if there is a month in which there is no salary or pension transfer?

If there is a month in which the transfer of a salary to the Account is not verified, even if this is due to a delay in the transfer of the salary or retirement/retirement, the amount made available on the 1st of the following day will only be equal to 75% of the average of the previous two months and may not exceed the maximum amount stipulated in the contract.

Why do I no longer have access to the Active Salary?

If for two consecutive months the properly codified processing of salary or pension transfers is not verified, you will no longer have access to salary or pension advances.

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HelpCenter

Salary Advance Credit: This is an authorized overdraft facility that allows you to access up to 100% of your salary, on the first day of each month, with a maximum financed amount of €5,000.

TAEG 12,6% | TAN 11,500%, for an example of a transaction amount of up to €200, for 90 days at a TAN of 0.000%, the interest will be €0.00, with Stamp Duty on the interest of €0.00, resulting in an annual percentage rate (APR) of 0.0%. Exemption from Stamp Duty for credit use up to the amount of the monthly salary credited to the account.

Credit subject to approval.

Activo Salary is valid for customers with a salary or pension credited to the account of at least €750 net. A salary credited to the account is considered to be the amount transferred via bank transfer, properly coded at the source with the ISO code “SALA” or “PENS,” “08” or "11".

Banco ActivoBank, S.A.