ActivoBank | Simple Account

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.

Becoming an ActivoBank Client is simple

No Account Maintenance Fee

You don't pay anything for having an Account with us.

No Debit Card Provision Fee

Debit Cards have no cost.

No provision fee for the Classic Credit Card¹

TAEG 17,9% | TAN 17,400%

Digital version of the Card

While waiting for the Physical Card, you can use the digital version available in the App and link it to MB Way to use it at no cost.

AB PLANS – BUNDLED ACCOUNT

Plan AB Plus
3,99€/month €1,99/month

Plan AB Premium
8,99€/month €4,49/month

²Enjoy a 50% discount for 6 months if you subscribe between 01/07 and 31/08/2025.

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.

Discover AB Plans

The Best Digital Bank welcomes you

New Clients Term Deposit⁴

GNAR 1,75%

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, automatically renewable under the current conditions of the Standard Deposit (see price list).

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at any moment during the duration of the Term Deposit, with a penalty of 100% applied to the interest on the amount withdrawn.

Save

Haven't opened an Account yet?

Do you have your Digital Mobile Key and code?

Open an Account Online with Digital Mobile Key

Between 10 and 15 minutes

Without initial deposit

Scan the QR Code to download the App and open your Account

We keep up with all the trends

I don't need to go to a Branch

I pay 0 to use MBWAY

I can access my Account from the App at any time

Open Account online

Clients have decided: We are number 1

ActivoBank won the Consumer Choice Award 2025 in the “Digital Bank” category. Awarded in January 2025 by ConsumerChoice - Consumer Satisfaction Assessment Center. Valid until December 2025. This award is the sole responsibility of the awarding body.

ActivoBank received the Five Stars Award 2025 in the 'Digital Banking' category. The award was granted in January 2025 by Five Stars Consulting Portugal, Lda. Valid until December 2025. This award is the sole responsibility of the entity that granted it.

Dar Créditos

In September, for every Account opened using Chave Móvel Digital, we will donate €1 to the "Open Pink Padel" Solidarity Tournament, which supports the Portuguese League Against Cancer, up to a maximum of €3,000

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

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 (if Clients are students, retired, employees or unemployed, they don’t need any other document to open an Account at an Activobank Branch);
- 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/button>

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;
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?

The Access Code is a 7-digit code that gives you access to the Support Line, the automated reply, the Website and the App, so that you can validate your transactions on all your Accounts.

For security reasons, access codes should be personal, non-transferable and changed regularly. You can do this quickly and easily on the Website.

ActivoBank never asks for more than 3 digits of the access code in any situation and at the same time, which means that any such request should be considered fraudulent and should be reported on +351 210 030 700 or by e-mail to fraude@activobank.pt.

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.

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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.

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- AB Plans Campaign valid from 01/07/2025 to 31/08/2025. Account opening with a minimum initial deposit of €100, or €0 for accounts opened digitally, provided the first transaction is a bank transfer. Subject to customer acceptance policy. Subscription implies the payment of a monthly Account Maintenance Fee of €3,99 €1,99 for the AB Plus Plan and €8,99 €4,49 for the AB Premium Plan, plus Stamp Duty at the legal rate, currently 4%, which will be debited from the respective current account. The campaign grants a 50% discount for 6 months, provided the subscription takes place during the campaign period.

3- 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.

Online Account Opening - Simple Account