ActivoBank Reviews 

Worst customer service I have ever experienced. Their telephone support is incredibly useless, they don't want to help and don't seem to care at all about their customers, can't ever get any issue resolved with them, besides their fees are really high.

A disaster
I just wanted to open an account, but the experience was a disaster. Missed video calls even though I was connected early, rude customer service, wrong instructions (told to answer on the app even though I chose computer), got hung up on, and then couldn’t reach anyone again. All I wanted was to become a customer. In the end, I gave up. I’m taking my business elsewhere.

URGENT- My company has today been subjected to a scam. Whereby email hackers have set up fake email and hacked our accounts. They have set up a fake bank account with Activo Bank with the following details :

IBAN: PT50 0023 0000 45791984265 94
BANK NAME: ACTIVO BANK
SWIFT CODE : ACTVPTPL
BANK ADD : Av. Dom João II Loja 0063, 1990-083 Lisboa

I have called for urgent assistance with this matter and no help. Criminals appear to be targeting this bank due to weaknesses. I should have assistance in this matter when it’s been used for criminality and fraud.

I need an urgent response from ACTIVO Bank on this matter. You need to close the above account immediately- police report to follow.

I've been a satisfied ActivoBank customer for over 20 years, and it continues to be one of the best banking experiences I've had. The account comes with minimal fees, and the homebanking service is by far the best I've used — fast, reliable, and user-friendly.

ActivoBank offers a fully digital experience without sacrificing quality or support. For anyone looking for a modern, efficient, and low-cost banking solution, I highly recommend it.

I’ve actively tried opening an account with ActivoBank. They have a few physical support centres across Portugal. Apart from a few of them, you need to make an appointment to open an account. They couldn’t read one of my supporting documents, were embarrassed and said that if I could send it again by email, I wouldn’t have to make a new appointment. So, I did two days later, and I never heard back from them, even after several reminders. I suppose they are a victim of the apparent attractiveness of their “no-cost” claim but such unacceptable level of service at the early stages of a possible relationship doesn't bode well for the future. Some of the reviews about poor response towards existing clients seem to confirm that assumption. Maybe it’s just deficient staff quality or training, but after reading the negative reviews of ActivoBank on this and other review platforms, I suspect ActivoBank management or the Millennium parent company don’t feel the need to remedy the situation. Stay away!

Terrible service. No employee understands event the simplest process or issue in their area. I spent about 2 hours waiting in the support calls when even people from relevant department couldn't understand a basic error, contacting the Apoio AB was as useless. Going to the physical location you'll get different answers from different employees, they'll probably have to call a few colleagues before they would know how to handle your case, you'll probably wait for a few weeks to receive your new card so if you don't have another card or account, I strongly discourage you to use their services

I was clearly told over the phone that my application was rejected solely because of my passport. At least they were honest about it - no excuses or vague reasoning.

I wanted to participate in Para Si Ordenado promotion from Q1 2025. I added my salary and payments required, and signed up in thr banner. But they keep saying I didn't sign up and they reject the promotiom only because of this reason. Why did I lose my own time on this, then?
Apart from this, the app is fine compared to others

ActivoBank, owned by Millennium bcp, is becoming a big disappointment. I was aware they had a terrible Customer Service but now they lie too. This is very very bad. A bank that lies to its customers? Do not trust when they say they are going to call you back or send you an email. This online bank is becoming worse and worse.

We have been cyber robbed for the second time in an account I have with my partner at Activo bank in Lisbon, Portugal. This time for almost 3.000,00 euros and the bank gives no further assistance and blame my partner of giving some code used on an Apple Pay account which my partner does not have, he uses android phone! We have been complaining for more them two months and nothing!! Disgraceful bank!! 9 transactions were made in 1 minute, wiping the account with transaction abroad. For years the account was used for local things, and no automatic security block was used to stop. We called while was happening because showed as pending, but the bank operator said that Activo could not do anything!! Do not trust the safety of your money either this bank !!!!

It's my Bank for ten years now. They have been developing throughout these years and for the better.
Excellent app. Easy and intuitive. Maybe not the best bank for loans, but definitely the best Bank for day to day use.

Disapointing experience for applying online, for a bank account from the Netherlands. I ve rendered a lot of information, Passport, Tax info, Nif, Salary slip but for a Simple account with debit card, it was all in vain and not enough.

I had a great experience in opening an account here. It was quick, transparent and easy. I visited their Gaia Shopping branch.

Horrible experience to open an account. Video calls never helped despite waiting for many days and many hours. They advertise a crap system there. Going in person twice and despite submitting all necessary documents and waiting for four hours still they could not open an account. Never seen such a bank anywhere in the world with no proper process. Wasted time and energy.

A kafka-esq waste of time: Activo's SMS verification system does not work with my US number. So I can never complete the accounts setup, since I never receive SMS codes.

The worst customer service I ever had over the phone.
In 3 years of being the client of this bank only 2 representatives I spoke to (out of 30, I guess - I had multiple issues) showed actual ability to service a customer: patience, active listening, offering the ways to resolve etc. Others were keeping interrupting, raising a voice, showing anger, playing a wall - anything but good customer service. I work in customer support and I definitely know what I’m talking about. Those guys would be fired from the company I work for in a glimpse.

Difficulty opening an account if ID country does not match residential country. Many calls, many different answers from reps at their customer service number that really don't know themselves how it is supposed to work. Website, app, all lock in your information for 30 days without the ability to make changes, unless you get someone on the phone who is able to delete your info. One day you get someone but have to call back after 9am local time, the next day they tell you to wait 2 days and try again, then they tell you to delete the app and download again.... all with the same results. Then finally you get someone who tells you that the ID country and residential country need to be the same. 2 days into the process and still not a workin bank account. Better try other banks.

I had an absolutely awful experience with ActivoBank. I called them because I needed help with a transaction—my SMS authentication wasn’t working, and I didn’t know my multi-channel access code. Instead of offering any real assistance, the customer service agent was completely unhelpful and dismissive. His solution? “Go to an ATM.”

I explained that I was in Dubai and couldn’t just go to an ATM in Portugal, but he didn’t care at all. No alternative solutions, no effort to actually help a customer in need—just a robotic, unhelpful response.

This kind of incompetence is exactly what’s wrong with the Portuguese. They are stuck in the past, making things unnecessarily difficult for their customers instead of actually solving problems. If you ever need help with anything important, don’t expect ActivoBank to lift a finger. Avoid them at all costs!

Scam and Fraudulent bank
If I could rate this bank -1 trillion stars I would. So, I bought a house with this bank through a estate company that sells houses in Portugal. So, on December 10th 2024, while I was checking my statements on the app, I noticed that they decrease my mortgage in €110 and became increasingly happy because I would pay less. But, less than a month on December 7th while checking the bank and making transfers to pay the rent, I noticed that they increase the mortgage again. This should be illegal. Would be contacting the Banco de Portugal and will raise a complaint. This bank is fraudulent stay away!!!

Excellent communication and helpful