AB PREMIUM Plan | ActivoBank

The day-to-day, in Premium version

Priority service at Pontos Activo and Customer Support Line

3% Cashback on house expenses (200€ per month, max)¹

Water, electricity, gas and telecommunications paid by direct debit from the Current Account associated to the Plan.

5 Immediate transfers at no cost²

Without this Plan, they cost €1,60/each.

AB Gold Credit Card with no provisioning fee³
TAEG 17,9%, TAN 12,200%

Without this Plan, the Card costs €2,99/month.

Unlimited PoupeUp goals⁴

(soon)

More freedom to realize projects

Salary Advance with reduced rate⁵ (for salaries from €750)

TAEG 11,5% and TAN 10,500%
While you have the AB Plan, TAN will be reduced to:
9% (TAN 0% for the first 3 months).

Support for Growing Investments

€15 in Stock Market Orders⁶

Applicable to the first 2 stock market orders of the month executed on the Euronext market.

Stock Exchange Service Commission at no cost⁷

Exempt up to €3.00 per month, applicable to Integrated Securities – National and International.

Family Civil Liability Insurance⁸

Pet Civil Liability Insurance⁹

Home Medical Assistance Insurance¹⁰

The certainty of being Active, as it has always been

Debit Card with no opening fee

Visa Classic Credit Card¹¹ with no opening fee

TAEG 17,9% | TAN 17,400%

SEPA and MBWAY transfers free of charge

Take advantage of €10/month on Galp fuel

5 coupons worth €2 each¹² per month (5 cents per liter – maximum 40L)

The coupons will be sent via Apoio AB by the 10^th of each month.

Enjoy €10/month in OSCAR services

2 vouchers of €5 each ¹³ / per month

The coupons will be sent by email and SMS by the 10th of each month.

See how much you can save

AB Gold Credit Card TAEG 17,9% \| TAN 12,200%	2,99€
Priority service at Pontos Activo and Customer Support Line		0€
Salary Advance with reduced rate 10,500% \| TAEG 11,5%	4,69€
3% Cashback on household expenses (200€ per month, max)	6€
5 Instant Transfers per month	8€
2 Stock market order per month	13€
Stock Exchange Service Commission (Integrated Securities – National and International)	3€
Medical emergency assistance at home	3,75€
Family Civil Liability Insurance	2,92€
Pet Civil Liability Insurance	3,33€
Unlimited PoupeUp goals (soon)	0€
Costs without Plan	47,68€
With AB Premium Plan		8,99€

Extra advantages: 

€10/month on Galp fuel
5 coupons worth €2 each¹²/per month (5 cents per liter – maximum 40L).
Campaign valid until 31/12/2024.

€10 in OSCAR services. 2 Coupons of €5 each¹³ /per month
Campaign valid until 18/06/2024.

If you are already our Client, you can contract this AB Premium Plan at a Ponto Activo or through the Support Line**

Open Account

The opening of an Account is conditioned to the Client’s admission by the Bank, in accordance with its Customer Acceptance Policy. Minimum initial deposit of €500 (€100 for students, salary domiciliation, worksite protocols, and opening via video call or €0 for opening via Digital Mobile Key). When you open an Account online, the first transaction you must make is a bank transfer. This amount is Account balance and is entirely at the Client's disposal.

Frequently Asked Questions

What else do you need to know?

These are our frequently asked questions.

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.

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 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?

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* Conditions of access to the campaign of €0,00 for 3 months: Campaign valid from 09/04/2024 to 31/05/2024 for current and new Clients who subscribe to an AB Plus or AB Premium Plan within 30 days of opening an Account in ActivoBank, who do the minimum initial deposit of €500 (€100 for students, salary domiciliation, worksite protocols, and opening via video call or €0 for opening via Digital Mobile Key). 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 Plus Plan, plus Stamp Duty at the legal rate (currently 4%). After this period, the fee will be debited from the respective Current Account.

Package Account Maintenance Fee
The subscription to the AB Premium Plan implies the payment of a monthly package Account Maintenance Fee of 8,99€, plus Stamp Duty at the legal rate, currently 4%, which will be debited to 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- Cashback 3%

3% refund 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 €200 in all expenses. Maximum monthly cashback limit of 6€. 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. As regards the percentage applicable to the cashback, in case of change of Plan by the Customer, the percentage corresponding to the new Plan shall apply as from the date of the change and, until this date, the percentage corresponding to the old Plan shall apply.

2- Immediate transfers

Exemption from commission payments of up to 5/month exclusively for domestic immediate transfers to banks in the SEPA area which have adhered to this scheme (SEPA Instant Credit Transfer) in order to be issuers or beneficiaries of immediate transfers. This benefit becomes available on the working day following the confirmation of the subscription to the AB Premium Plan. These transfers must be executed in the App or Site ActivoBank up to a maximum limit per transaction of EUR 100,000, provided that they are ordered with the indication of the NIB, or IBAN, being only available in the one-off modality.

3- AB Gold Credit Card

No provision commission fee for the AB Gold Credit Card, issued in the name of an Account Holder, the attribution of the Credit Card is subject to, cumulatively, the prior subscription of the Adhesion Proposal and of the General Conditions of Use of the Card, by each Applicant, and of the respective acceptance by the Bank, through free appreciation of the respective credit capacity.
TAEG of 17,9%, TAN of 12,200% for a Loan of 1.500 euros paid in 12 equal monthly instalments of capital plus interest and charges. Commission for making the Credit Card available in the amount of 35.88€ (paid monthly in the amount of 2.99€). Plus Stamp Duty. Application subject to credit risk analysis.

4- 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.

5- 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).

6- Stock market orders

Exemption of the maximum amount of 13 euros for the first 2 stock market orders of the month, executed in the Euronext market, applicable to all the securities accounts associated to the Plan's current account, as long as the Order is inserted through the automatic channels (App or Site). Stamp Tax at the legal rate, currently 4%, is added to the non-exempt amounts and will be charged to the Current Account. Orders executed on the business day following the confirmation of the Plan subscription will benefit from this exemption. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to trade financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult

7- Stock Exchange Service Commission

Exempt from Stock Exchange Service Commission, up to €3.00 per month, applicable to Integrated Securities – National and International. VAT at the legal rate is added to the non-exempt amounts, which is currently 23%, whose payment will be debited to the Current Account. The exemption is applied in the subsequent period, after subscription of the Plan. The investment in financial instruments presupposes the qualification of the Client under the Markets in Financial Instruments Directive (MiFID II). Thus, in order to ActivoBank to verify if you are qualified to negotiate financial products, you will have to fill in a Questionnaire that you can access through the ActivoBank Website > Configure > Profile > MiFID II Questionnaire or in the App through For You > Save and Invest > Start > Investor Questionnaire > Consult

8- Family Liability Insurance

Family Liability Insurance that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, whose General and Specific Conditions will be provided to the subscriber of this Plan.

9- Pet Civil Liability Insurance

Pet Civil Liability Insurance – Dogs and Cats that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, owner of the dog or cat, properly licensed, whose General and Specific Conditions will be provided to the subscriber of the AB Premium Plan. It’s not possible to subscribe to this Insurance separately from the AB Premium Plan.

10- Insurance for medical assistance at home

Home Medical Assistance Insurance that covers the household of the Holder of the Current Account who subscribes to this Plan, including the spouse or equivalent and economically dependent children, residing at the same address, single and under 24 years of age, whose General and Specific Conditions will be provided to the subscriber of this Plan.

11- Credit Card Visa Classic

TAEG 17,9% | TAN 17,400% for a credit limit of 1.500€ paid in 12 equal monthly instalments of capital plus interest and charges. No opening fee. Subject to Credit Risk Analysis.

12- 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)

13- OSCAR COUPONS

For each Client who holds an AB Premium Plan as of the 25th of the previous month, two discount vouchers worth €5.00 each is granted.
The voucher cannot be combined with other active discount vouchers. It applies exclusively to services from the OSCAR App with an amount equal to or greater than €20.00 and expires one month after the date of issue.

PUB. DOES NOT DISPENSE WITH CONSULTING THE LEGALLY REQUIRED PRE-CONTRACTUAL AND CONTRACTUAL INFORMATION.

Banco ActivoBank, S.A., Office: Rua Augusta, 84, 1100-053 Lisboa, Share Capital €127.600.000, registered with this same number in the Lisbon Trade Registry, Single registration and TIN. 500 734 305. Insurance agent registered under nr. 419501226, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt. The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer. The Insurance Intermediary does not assume liability regarding any risks covered by the insurance contract, which shall be fully assumed by the Insurer.

Banco ActivoBank, S.A. is authorized, namely, to provide services as a financial intermediary, registered at the CMVM under number 116, on July 29 of 1991, as well as sales services with counseling as an Insurance agent registered at Insurance and Pension Funds Supervision Authority under no. 419501226, on January 21 of 2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt.
Ocidental
Ageas Portugal – Companhia de Seguros, S.A. Head office at Praça Príncipe Perfeito 2, 1900-278 Lisboa. Legal person number 503 454 109 and registered under this number at Lisboa Trade Register, with share capital of €7.500.000.

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PLANO AB PREMIUM

The day-to-day, in Premium version

Priority service at Pontos Activo and Customer Support Line

3% Cashback on house expenses (200€ per month, max)1

5 Immediate transfers at no cost2

AB Gold Credit Card with no provisioning fee3TAEG 17,9%, TAN 12,200%

Unlimited PoupeUp goals4