ActivoBank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ActivoBank suits Portuguese borrowers who want one directly licensed bank for both a personal loan and a home loan, with fast disbursement on the personal side. The trade-off is the mortgage fixed period of 2, short against a site median of 6.5.

Key facts

Best for
A personal loan with quick payout alongside a Portuguese bank's mortgage offer.
Initial rate
3.45% (Source, checked September 26, 2026)
APRC
4.3% (Source, checked September 26, 2026)
Fixed period
2 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€748.80 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banco ActivoBank, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
activobank.pt

Loans

APR
9.8% (Source, checked September 26, 2026)
Loan amount
€1,000 to €75,000 (Source, checked September 26, 2026)
Term
18 to 84 months (Source, checked September 26, 2026)
Arrangement fee
2.5% of the amount financed, maximum 500 EUR (Source, checked September 26, 2026)
Funding time
Money credited within the hour if approved, up to 25,000 EUR (Source, checked September 26, 2026)
Representative example
Personal loan of 10,000 EUR over 84 months: payment 160.08 EUR per month, total cost 13,622.72 EUR, TAEG 9.8% and TAN 8.500% including interest and stamp duty (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Origination fee (%)
2.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Banco ActivoBank, S.A. (Source, checked September 26, 2026)
Headquarters
Portugal (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInXyoutube.com

Pros and cons

Pros

  • Fast personal loan disbursement: Money credited within the hour if approved, up to 25,000 EUR.
  • Free early repayment on personal loans, so clearing the balance ahead of schedule carries no extra charge.
  • Direct lender with phone and help centre support, phone and help centre, operating since 1994.
  • Mortgages to 90% loan to value, priced at 3.45% for 2.

Cons

  • The 2 fixed period ranks 214 of 259 for length, well short of the 6.5 site median.
  • The offer score of 3.3 trails the cost score of 4.7, so breadth sits below pricing.
  • Support runs on phone and help centre only.
ActivoBank

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Portugal who want a personal loan of €1,000 to €75,000 and need it credited quickly: Money credited within the hour if approved, up to 25,000 EUR.
  • Homebuyers and remortgagers comfortable with a 2 fixed period and an APRC of 4.3%.
  • People who prefer a directly licensed bank, Banco ActivoBank, S.A., rather than a broker panel.

Who should look elsewhere

  • Prestalo, where 2.36% undercuts the 3.45% initial rate here.
  • Sofkredit, whose 8% to 14% rates suit a wider lender panel than one bank's fixed pricing.
  • Creditilia ES, listed at 4%, if you want a second mortgage rate point to weigh against 4.3%.

How your money is protected

ActivoBank carries two Portuguese registrations. The Banco de Portugal registration, 23, covers the banking activity, and the Autoridade de Supervisao de Seguros e Fundos de Pensoes registration, 419501226, covers the insurance and pension side of the group. Money sits with a supervised Portuguese bank rather than a comparison site, and both registrations can be checked with the named regulators.

The company behind it

The legal entity is Banco ActivoBank, S.A., based in Portugal and trading since 1994. Support runs on phone and help centre, so an application or servicing question goes to a phone line or the help centre. The Banco de Portugal registration, 23, and the ASF registration, 419501226, both sit with the same group.

How ActivoBank compares

Where ActivoBank is available

Available
Portugal
Licence in Portugal
Banco de Portugal (23), checked September 26, 2026
Licence in Portugal
Comissao do Mercado de Valores Mobiliarios, checked September 26, 2026
Licence in Portugal
Autoridade de Supervisao de Seguros e Fundos de Pensoes (ASF) (419501226), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a personal loan from ActivoBank cost?+

Personal loans run at 9.8%, with an origination charge of 2.5% of the amount financed, maximum 500 EUR on top of the amount borrowed. You can take €1,000 to €75,000 over 18 to 84. The published example shows a monthly payment with a TAEG of 9.8%, covering interest and stamp duty.

How quickly is the money paid out?+

Approved personal loans move fast: Money credited within the hour if approved, up to 25,000 EUR. The product is listed under same-day funding, same day funding, and only 82.9% of offers on the site carry that feature, so the speed is not universal across lenders.

Is my money protected and who supervises the bank?+

ActivoBank is supervised in Portugal rather than operating as an intermediary. It holds a Banco de Portugal registration, 23, plus an Autoridade de Supervisao de Seguros e Fundos de Pensoes registration, 419501226. Both registrations can be checked with the named regulators.

What does the mortgage side actually offer?+

Home loans start at 3.45% for 2, with an APRC of 4.3% and lending to 90% loan to value. A product fee of €748.80 applies, and the stated purposes are purchase, remortgage and first time buyer, which covers purchase, remortgage and first-time buyers.

How long is the term and can I repay early?+

Personal loan terms run 18 to 84, so the repayment schedule is set at the start rather than being open ended. Early repayment is free, which means settling the balance ahead of the agreed end date does not trigger an extra charge.

Is ActivoBank a bank or a broker?+

It is a bank. The lender type is a direct lender, direct lender, and the contracting entity is Banco ActivoBank, S.A., registered in Portugal. You deal with one institution for the personal loan and the mortgage, with no intermediary panel in between.

How do the rates compare with other lenders here?+

The mortgage APRC of 4.3% sits under the site median of 4.9%, while the personal loan pricing of 9.8% is a separate market. The overall score is 4.1, split as 4.7 for cost and 3.3 for offer, so the value sits in pricing rather than range.

Sources

  • activobank.pt checked September 26, 2026

    Backs: Licences

  • activobank.pt/contactos checked September 26, 2026

    Backs: Support channels

  • activobank.pt/credito-habitacao checked September 26, 2026

    Backs: APRC, Fixed period, Headquarters, Initial rate, Legal entity, Maximum loan to value, Product fee, Purpose

    “Crédito Habitação | Spread Zero | Empréstimo até 90%”

  • activobank.pt/credito-pessoal checked September 26, 2026

    Backs: Loan amount, APR, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Term, Use cases

    “Financiamento entre 1.000€ e 75.000€”

  • activobank.pt/informacao-legal checked September 26, 2026

    Backs: Lender type

  • activobank.pt/quem-somos checked September 26, 2026

    Backs: Founded

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

ActivoBank

ActivoBank

A personal loan with quick payout alongside a Portuguese bank's mortgage offer.

9.0/10See alternatives

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