Free Simple Account | No commissions

Account opening without minimum initial deposit. For Accounts opened digitally, the first transaction must be done through a bank transfer. Subject to the Bank's Customer acceptance policy.

6-month Amazon Prime1 voucher ⁶ courtesy of ActivoBank.

Campaign valid between 13/04 and 30/06/2026. Voucher send through Apoio AB (App > More > InterActivo > Apoio AB)

The membership will include:

Free 48-hour delivery on millions of products.

Prime Video: movies and series, including Amazon Originals

Prime Gaming: access to Twitch and in-game extras.

Amazon Photos: unlimited storage.

Acesso prioritário a Early access to flash deals and Prime Day offers.

Terms and Conditions apply .

Becoming an ActivoBank Client is simple

Manage everything on your smartphone: fast, convenient, and completely secure.

No Account Maintenance Fee

No Debit Card Provision Fee

No provision fee for the Classic Credit Card¹ (TAEG 17,9%)

MB Way without any costs

1st Order² of the Month at €0

An App where you can do everything

Open your Account 100% online with your Digital Mobile Key

(Portugal’s official digital authentication system)

Alone or with someone else, the choice is yours.

Fast, simple and without paperwork

Give us the Digital Mobile Key associated to your ID.

Sign your Contract Package.

Confirm your data.

Open an Account online

Download your mobile App and and open an Account online

Learn how to open an Account

Active Salary

Do it like Rebeca Caldeira and get up to €400³ for starting to receive your Salary at ActivoBank

Learn how to access the campaign. We promise it's simpler than waiting hours in endless queues for sales promotions.

Salary Domicile

Your simple Account is only the beggining

Access solutions that make your financial life easier.

Unlock extra benefits with the AB Plus or AB Premium Plan⁴

And if you opened your Account in the last 30 days, you’ll get 3 months free on an Account Package.

AB Plus Plan: 3,99€/month - €0
AB Premium Plan: 8,99€/month - €0

Account Package - Promotional offer of €0.00 for 3 months, valid from 01/04/2026 to 30/06/2026 for new Customers who subscribe to an AB Plus Plan or AB Premium Plan within 30 days after opening an Account at ActivoBank.

Explore the AB Plans

Simplify with the New AB Clients Term Deposit⁵

GNAR 2,00% (NNAR of 1,44%).

Limited to one set-up per client with an account opened within the 90 days prior to the deposit’s setup.

Term: 90 days, automatically renewable under the current conditions of the Standard Deposit (see price list). Set-up minimum: €500. Set-up maximum per deposit: €100.000. No increases allowed.

Explore the Term Deposits Savings

Testimonials

We simplify the lives of our Clients

Clients have decided. We are No. 1

Selos Prémios Cinco Estrelas 2025 e Escolha do Consumidor 2025

ActivoBank was awarded the “Escolha Acertada” seal for both accounts with and without salary domiciliation, by DECO PROteste. Valid until May 2026. This award is the sole responsibility of the awarding entity.

ActivoBank was awarded the Consumer Choice Award 2026 in the “Digital Bank” category. Awarded in January 2026 by ConsumerChoice – Consumer Satisfaction Evaluation Centre. Valid until December 2026. This award is the sole responsibility of the awarding entity.

ActivoBank was awarded the Five Stars Award 2026 in the “Digital Banking” category. Awarded in January 2026 by Five Stars Consulting Portugal, Lda. Valid until December 2026. This award is the sole responsibility of the awarding entity.

Don´t postpone what you can achieve now

Open Account Online

Do you know about the Account Switching Service?

Are you not satisfied with your current Bank? Discover how you can switch to one that values you with the Account Switching Service.

Learn more

Documentation

Consult here more information about the Simple Account

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

What are the Costs of an Account with ActivoBank?

Accounts in ActivoBank have no maintenance fee. The Bank may change the amount and/or the fees and expenses applicable, which will be published in the Price List.

How do I make cash deposits in my Account?

The deposits of notes, coins and/or checks, in ActivoBank Accounts, can be made at Millennium BCP Branches and/or Millennium BCP machines for deposits, indicating your Account number.

How can I open an Account with more holders?

They will have to go simultaneously to a Ponto Activo and bring the necessary proofs:

Identification Documents:

Identification Document (valid) - Portuguese Identiﬁcation Document or Residency authorization or Passport or National Identity Card.
NIF (Tax Identification Number) (valid) - Portuguese Identiﬁcation Document or NIF Card or Tax Payer’s central registration.

Proof of address (12 months):

National: Drivers License or Tax reimbursement statement or Water/electricity/gas bill
Abroad: Taxes liquidation issued by the ﬁscal authority of the country of residency or Document issued by the consulate.

Proof of employment situation (6 months validity):

Employee: Pay slip or Employment proof or Work contract.
Independent worker: "Green receipts"or Start of economic activity statement or Declaration from the Client supported by a card issued by the repective professional entity.
Self-employed: Commercial Registry certiﬁcate or Company Registration.
Unemployed: Unemployment statement (Employment Center enrolment) or Economic Situation Proof, issued by the Town Council for unemployed people that are not enroled in the Employment Center.
Student: Student ID or Enrolment proof or University attendance certiﬁcate.

How do I get the Digital Mobile Key?

Any citizen can request the activation of their Digital Mobile Key. Just install the gov.pt App and, with your Citizen Card, you can get your Digital Mobile Key instantly. Learn how.

What are the necessary documents to open an account?

Opening an Account in person

In order to open an Account in some Activobank Branches, you will need to schedule your visit through the Support Line.

Valid Identification Document (one of the following documents):
- Portuguese Citizen Card;
- Portuguese Residence Card issued with a validity of more than 12 months;
- Passport/Identity Card (only accepted if you are a citizen of Europe, the Schengen Area or the United Kingdom).
Valid Tax Identification Number (TIN), one of the following documents:
- Portuguese Citizen Card;
- TIN Card;
- Tax Payer’s central registration.
Proof of address dated less than 12 months* (one of the following documents): 
- Tax reimbursement statement;
- Utilities bill;
- Taxes liquidation issued by the ﬁscal authority of the country of residency;
- Document issued by the consulate.
If the Client is a minor, proof of address of parents/legal representatives must be presented.
Proof of employment situation with 6 months validity (one of the following documents):
- Employee: pay slip or work contract;
- Independent worker: "Green receipts", start/change of economic activity statement (available in Portal das Finanças), company registration or commercial registry certificate;
- Unemployed: Declaration from the Employment Center;
- Student: Student ID, enrolment proof or payment of tuition fees (can be provided up to 12 months after completion of degree or training);
- Domestic: IRS Template 3 or Bank statement;
- Lives off their own assets: IRS Template 3 or Bank statement;
- Retired: IRS Template 3 or Bank statement or pay slip.

Opening an Account via video call

Valid Identification Document (one of the following documents):
- Portuguese Citizen Card;
- Portuguese Residence Card issued after December 2008 and with a validity of more than 12 months;
- European Passport: Germany, Spain, France, Italy, Netherlands, Poland and United Kingdom.
Valid Tax Identification Number (TIN), one of the following documents: 
- Portuguese Citizen Card;
- Portuguese Residence Card;
- TIN Card;
- Tax Payer’s central registration.
Proof of address dated less than 12 months (one of the following documents):
- Tax reimbursement statement;
- Utilities bill;
- Document issued by the consulate.
Proof of employment situation with 6 months validity (one of the following documents):
- Employee: pay slip or work contract;
- Independent worker: "Green receipts", start/change of economic activity statement (available in Portal das Finanças), company registration or commercial registry certificate;
- Unemployed: Declaration from the Employment Center;
- Student: Student ID, enrolment proof or payment of tuition fees (can be provided up to 12 months after completion of degree or training);
- Domestic: IRS Template 3 or Bank statement;
- Lives off their own assets: IRS Template 3 or Bank statement;
- Retired: IRS Template 3 or Bank statement or pay slip.

Opening an Account with Mobile Digital Key

You don't need to have any documents with you, you only need the Mobile Digital Key.

If you already have the Digital Mobile Key, you just need to:

Download the ActivoBank App
Log in with your Mobile Digital Key
Confirm some data
Sign the contracts (everything digital, no paperwork)
Register in the App

If you don't have the Mobile Digital Key:

Download the Autenticação.gov App
Take a picture of your Citizen Card and another of yourself (selfie)

What is the Access Code?

There are two access codes: the User Code and the Multichannel Code.

The User Code identifies you as a Client. Ifyou opened an Account online, it was sent to you in the welcome email.

The Multichannel Code is composed of 7 digits and allows you to authorize or confirm operations, as well as access the Support Line Service, Automated Service, Website, and App. If you opened an Account online, it was sent to you by SMS. You can change it at any time in the App under Profile > Security > Change Multichannel Code. Access Codes should be personal and non transferable. ActivoBank never requests more than 3 digits of the Access Code simultaneously, under any circumstance, so any request for more constitutes a fraud attempt and should be reported via +351 210 030 700* o email fraude@activobank.pt

*(Calls to national landline network), with personalized service available on business days (8am to 10pm), Saturdays (10am to 8pm), Sundays and public holidays (12pm to 8pm). The cost of communications depends on the tariff agreed with your telecommunications operator.

Where can I find the IBAN/NIB proof?

Login to activobank.pt and go to More Operations > Account information. You can also do it on the App, Current Account > See Details > Details.

Didn't find what you were looking for?

Clarify your doubts!

HelpCenter

Account Opening - No minimum initial deposit required. For accounts opened digitally, the first transaction must be a bank transfer. Subject to the Bank’s client acceptance policy.

1- 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.

2 - Stock Order. Valid for all financial instruments. Subsequent orders: €5 (EUR markets) / $5 (USA)

3 - Activo Salary

Valid for Clients who bring a minimum net Salary of €900 to ActivoBank for the first time between 01/04 and 30/06/2026.

To participate you need to:
1.ª) Bring your Salary for 3 consecutive months into an Account as the primary holder over 18 years old;
2.ª) Have 2 active direct debits;
3.ª) Join the campaign through the App;
4.ª) Accept the 24-month loyalty period.

The amount is paid in the 4th month after the first domiciliation and depends on the amount of the Salaries received.

The credited amount is taxable income according to article 5.º n.º 1 of the Personal Income Tax Code and subject to withholding tax at a flat rate of 28%, unless opting for aggregation. The total gross benefit amount will be, at most, €400 with €112 of IRS withheld at source.

Consult the Terms and Conditions here.

4 - AB Plans Package Account Maintenance Fee charged monthly at the beginning of the following month. AB Plus Plan: €49.80/year (€3.99+€0.16 ST/month) | AB Premium Plan: €112.20/year (€8.99+€0.36 ST/month). New Clients Campaign: €0.00/month for 3 months if the Account was opened in the last 30 days: The AB Plan subscribed under this condition will be exempt from the Package Account Maintenance Fee in the month of subscription and the following three months. After this exemption period, the fee value will be debited from the respective Current Account. Campaign valid from 01/04 to 30/06/2026.

5 - New Clients Term Deposit exclusive to Clients who opened a Current Account within the last 90 days before establishing the deposit. Set-up minimum: 500€. Set-up maximum per deposit: 100.000€. Term: 90 days. Early mobilization allowed, partial or total, at any moment during the duration of the Term Deposit with a penalty of 100% applied to the interest on the amount withdrawn. Not renewable. No increases allowed.

6 - Opening an Account with a 6-month Amazon Prime voucher:

No minimum deposit for Account opening. For Accounts opened digitally, the first transaction must be a Bank transfer. Subject to the Clients acceptance policy.

Between 13/04 and 30/06/2026, open an account at ActivoBank, make a first transaction, and receive a 6-month Amazon Prime voucher, courtesy of ActivoBank.
Offer limited to Clients who, at the start of the campaign, did not hold any account at ActivoBank.
Amazon Prime service terms may change and can be viewed https://www.amazon.es/gp/help/customer/display.html?nodeId=GLSBYFE9MGKKQXXM. Subscription automatically renews at €4.99/month. You can cancel at any time through your Amazon account. Limited to one voucher per Client who has not used an Amazon promotional offer in the last 12 months. Amazon.com, Inc. and its affiliates are not sponsors of this campaign. Amazon, Amazon Prime, and all related logos are registered trademarks of Amazon.com, Inc. or its affiliates.

Open Account Online - Simple Account

6-month Amazon Prime1 voucher 6 courtesy of ActivoBank.