ActivoBank レビュー 

Worst bank ever/Pior banco de sempre
Este banco foi me indicado pela imobiliária que me ajudar a comprar uma casa. Mas, o banco e simplesmente horrível. A taxa de juros que cobram é muito elevada quando comparado com outros bancos, não retiram pagamentos em datas combinadas e espero consigo ver extratos bancários até certo meses. Horrível horrível. Fiquem fora desta e encontrem outro banco. Este banco faz parte do millennium BCP. Não aconselho.

Es una basura de banco. Te cobran comisiones por compras en muchas tiendas online Europeas, comisiones ABUSIVAS, hasta un 5% del valor de la compra. Y encima te bloquean la tarjeta cada dos por tres por cualquier tontería, por ejemplo una compra en IKEA la consideran sospechosa, y te quedas 3 días sin poder pagar nada.

Subject: Account Closure Request Due to Ongoing Issues

Dear Active Bank,

After years of disappointing experiences, I have finally decided to close my bank account. I would like to highlight the latest issues I encountered during my travels, which have led to this decision.

Over the past six months, my debit and credit cards have been repeatedly blocked. Each time I contacted customer support, it took days for the issue to be resolved. Additionally, I needed to update my phone number to receive notifications and use 3D-secure features. The process required either visiting an ATM in Portugal or submitting a change request via support. Initially, I was told the update would take 48 hours, but this turned into 5 business days, and ultimately 6 days. Despite the lengthy procedure supposedly for "security reasons," when I finally received the call, the staff member did not ask any security questions and simply confirmed the update.

A month ago, the chip on my debit card stopped working, leaving me unable to withdraw cash in countries where cash is essential. Customer support informed me that they could not assist me and that I needed to request a new card to be sent to my address in Portugal.

In contrast, on Monday, 20th May 2024, I opened a Revolut bank account. Within hours, I made my first deposit and requested a card to be sent to my current address in South Africa. I received the card today, 23rd May 2024.

Active Bank claims to "simplify," but my experiences suggest otherwise. Obtaining a new card while abroad with Active Bank is like trying to build a spaceship for Activobank. The outdated and rigid procedures, combined with poor customer support, have made banking with Activobank an incredibly horrible experience.

You will eventually be go out of business. Its just a matter of time.

Sou cliente do activo bank há 6 anos e até 2024 não tive nenhum problema com o banco.
No entanto, em janeiro de 2024, o cartão de crédito do activo bank foi clonado e usado inadvertidamente com transações não autorizadas através do PayPal e do activo bank.
O PayPal foi pronto a resolver a situação e reembolsou as transações não feitas por mim, enquanto o activo bank até à data ainda não.
Todas as transações online que faço com o cartão, são validadas por mim e tem autenticação dupla, não tendo sido o caso destas transações feitas com o clone do cartão. É incrível e ao mesmo tempo inacreditável, pois estou a pagar juros do cartão de crédito sobre uma óbvia falha de segurança do banco.
Na tentativa de contacto telefónico a experiência foi má, os agentes pouco à vontade e sem conhecimento para abordar a questão nem encaminharam para alguém com mais experiência. O contato através da app é cada vez mais difícil e levam dias a responder… já assumi a perda que tive, mas não consigo recomendar este banco da mesma forma que fazia antes. Perdi a confiança.

Banco com mentalidade de crédito fraca, em vez de avaliar o quanto ganhas e a quanto tempo já trabalha, se tem ou não condições de pagamento de um crédito, havaliam suas transações, muito fraco para crédito, não aconselho ninguém que esteja em Portugal acreditar nesse banco, corre já para outro para não perder tempo em banco fraco.

So terrible. Nothing works. So many headaches to make a simple
Transfer, as soon as it was possible I transferred all my money out and will never put another cent into that account. I highly recommend you avoid them

I am writing to express my extreme dissatisfaction with the service provided by Activo Bank. My recent attempt to open a bank account turned into a frustrating and time-consuming ordeal, ultimately resulting in a complete waste of my time and effort.

Firstly, despite the convenience promised by their online account opening feature, I encountered numerous technical issues that rendered the process virtually unusable. Despite multiple attempts, the app consistently failed to capture a clear photo of my residence permit, making it impossible to proceed. With no alternative method for document submission, I was left with no choice but to physically visit a branch.

Upon arriving at the bank, I was informed that I needed to schedule an appointment to apply for an account, a requirement that was not in place just a few months ago. The earliest appointment available was a week away, adding further frustration to the situation.

Despite making the necessary arrangements and taking time off work, my appointment was marred by yet another setback. Upon arrival, I was informed that their system was malfunctioning, necessitating another trip the following day.

After finally completing the application process, I was informed that I would have to wait five days for a decision. Disappointingly, this period passed without any communication from the bank.

Upon returning to the bank once again, I was shocked to discover that my application had been declined without any explanation. Despite providing all required documents, including a valid residence permit, the decision appeared arbitrary and neglectful.

In conclusion, I cannot in good conscience recommend Activo Bank to anyone who values their time and expects reliable service. My experience has been characterized by incompetence, inconvenience, and disregard for customer satisfaction.

Ticket system did not send a ticket. No one to ask, in the meantime others got ahead. Unhelpful and unfriendly response from staff.

Fui burlado e o banco sabendo que eu autorizei a compra relativa à burla, disse-me que poderia recorrer a um processo de investigação pra me ser devolvido o dinheiro se cancelasse o meu cartao. Cada pessoa do atendimento dizia uma coisa diferente mas lá se procedeu.
Passado semanas fazem me um crédito provisório do valor em causa, no dia seguinte retiram-mo porque a investigação chegou ao fim: Como fui eu a autorizar nunca me poderia ser devolvido o valor.

Andaram-me a iludir o tempo todo, estou extremamente revoltado com esta situação porque não só sou enganado por burlões de hong kong como burlões do meu banco.

HORRÍVEL

I am not able to log in to the bank. I called the customer service and they were not able to help me. It's a nightmare!

This week, I am facing a little personal nightmare because ActivoBank keeps my money without adding to my account. I cannot pay the rent and buy groceries. They've received it four days ago on Friday as it was a regular SEPA transfer. Back then, they told me that the bank worked in full capacity regardless the national holiday, and incoming deposits were being credited to accounts.

Monday came and the money was still not in the account. A bank rep confirmed he saw the amount in the system and it would be credited same day.

Tuesday came and they money are still not in the account. Bank reps see the transaction and say it's a second business day after the holiday so it should be there today. It's Tuesday night, the account is empty, the bank keeps charging me lateness fees on the credit bank, and keeps my money without releasing it.

I am not trusting the Portuguese banks ever again. Especially, Activo. I thought this can happen only in American banks.

O ditado de «nunca metas todos os ovos na mesma cesta». nunca esteve tão bem aplicado!
no dia 22 de Novembro queria fazer um pagamento ao estado. E das inumeras tentativas à espera da mensagem de telemovel, nunca recebi-as para concluir o processo de pagamento.
resumindo tive que usar outro banco (também digital e na qual recebi a mensagem de telemóvel e mesmo número) para concluir o processo.

App se trocar de telemóvel deixa de funcionar, eles os Funcionários não sabem da Solução, pois a app e bloqueada pois faz um (cat cpuinfo), ora se não corresponder ao numero de Cpu anterior se for trocado por um novo a App deixa de Funcionar.
Ps: o mesmo acontece se por azar for para o estrangeiro e trocar de cartão, anotava mais a falta de conhecimento e o desinteresse,um desconhecimento total por parte dos Funcionários do apoio ao cliente.
Erro grave do ActivoBank

This is the worst bank ever. I used my account every day, I was receiving salaries and paying with my card, and then one day my account was just closed for no reason with all my savings on it. Not blocked, but closed! With no warning! I found out by accident, because I couldn’t pay by my card. It has been 14 days since then and they still can’t explain me why it happened. They told me they would find a reason and call me in 5 business days but it has been much more already. I call them every day and they just tell me to wait. And I’m not even waiting for them to solve the problem, I’m waiting just to find out the reason! Worst experience ever!!!

I was apprehensive about going to this branch after reading the reviews, but I had a really good experience. The staff were friendly, helpful and spoke very good English. They helped me at every step of the process including activating my card and getting set up on the app. I had a some issues with the process (the customer service rep spelled my name incorrectly over the phone so it took 24 hours to update), but nothing to do with the service at the branch. I could also set up an account with my EU passport instead of a portuguese citizen card. I did go there at off peak times (after lunch and again in the evening) so maybe that helped. I would recommend it for non portuguese speaking expats.

Absolutely useless customer service, I ordered a credit card 1 month ago and still have not received it. Customer service doesn't know where it is because they don't send it with a tracking number and just keep asking me to wait. Or cancel and order a new card which may or may not arrive in a month or more. Typical Portuguese service, logic and standard, completely and utterly useless

Primeiro informam o cliente que é possível a transferência de um crédito habitação + hipotecário com aumento do valor financiado. Fazem o cliente perder tempo a submeter a documentação solicitada para no final responderem que afinal o financiamento adicional deve ser feito através de um produto alternativo que não corresponde à finalidade que foi explicada nos contatos telefónicos.
O Activobank pretende ter um modo de funcionamento todo digital e à distância, mas claramente a informação não transita de forma correta internamente, principalmente em pedidos mais complexos.
É um banco que só interessa para quem pretende ter conta sem custos de manutenção e para usar em operações simples.

Estou a 3 dias tentando acessar minha conta . Sigo o passo a passo fornecido pelo site e depois de tudo feito, ainda preciso receber uma ligacao do banco que NAO COMPLETA. Eu nao moro em Portugal , o banco deveria resolver esta situaçao de alguma maneira, mas falei com varios funcionarios e a resposta é a mesma: nada a fazer. Entao, como é que eu fico? vou viajar em breve e nao vou poder acessar minha conta, a menos que eu pegue um aviao e va ate Lisboa. RIDICULO, um DESRESPEITO com o cliente.

O sistema que permite abrir uma conta bancária em linha não funciona. Após uma dúzia de tentativas, a minha identificação continua a não ser reconhecida. No entanto não houve problemas com outros bancos ou mesmo com a Trustpilot, que reconheceu a minha identificação desde a primeira tentativa

Like others have stated, I don't understand why several people have sent in bad reviews about ActivoBank.

I have not has any serious issues with ActivoBank in the 4 or 5 years I have been with them. (Of course, there have been some niggles - make a purchase in a non-Euro currency, and you'll pay extra fees. You can open a free-of-charge Revolut or N26 account if you do business in non-Euro countries)

I applied for a credit card; it arrived in the post a few days later. My wife applied for a credit and debit card, and she's got an email to say they're on the way.

ActivoBank does have a rather clunky system when you need contact them either online or by phone. They need your "customer number", NIF (tax) number, and some of the digits from a 7-digit "multichannel" code. If you write these down before you contact them, you'll save yourself a lot of bother.

Without exception all the people I contacted were polite, patient and courteous - and spoke great English!