ActivoBank レビュー 

I had always assumed the bank was reliable, but a few months ago they froze my account for no reason whatsoever. I phoned customer service and spent a couple of euros sorting things out. I followed their guidelines and still cannot log on. Basically I haven't had any access to my bank account in months. Quite shocked, to be honest, and quite tired of playing games.

This bank and support hotline is a nightmare. The bank froze my bank account, while I am on holiday in a different country. Support hotline speaks as well English as I did with 12 years and is unable to help till Monday (i called Saturday). On Monday the bank gives me no informations or time of resolution. I have no outstanding debts nor misused the account (I receive salaries and pay)
Nobody knows when I can access my money and it seems only the bank of Portugal is able to help

Incrível, após tentar abrir conta, o qual disseram que passadas 24h entrariam em contacto, tive eu que contactar o banco, ao qual me disseram que entrariam em contacto.
Ligam ao final do dia a informar que não foi aceite a abertura conta, mas não explicam o motivo.
Tentei abrir conta na mesma altura com um colega meu, ele cheio de créditos conseguiu abrir conta, a minha sem créditos ou dividas seja de que tipo for, não foi aceite.
Não explicam as razões, gostaria de saber no que se baseiam para ser recusada a abertura de conta, bancos á muitos, não é que a recusa me tire o sossego, mas podiam explicar, por este motivo, ou por motivo que fosse, porque foi recusada.
Espero que a falta de profissionalismo não me tenham confundido com um outro cliente qualquer.
Mau demais.

Tudo muito bom. Através da Internet tenho feito todos os movimentos sem faltas ou falhas. Dos bancos com menos custos do mercado. Em agência o atendimento tem sido muito bom, mas em alguns casos, algum tempo de espera. Recomendo vivamente a quem não gostar de andar em agências.

Para 2022 as transferencias Internacionais e suas Taxas respectivas aumentaram mais de 100%...Num deposito nacional de 700 euros cobraram 30 euros de comissao.........Uma Transferencia Internacional de 50 euros, cobraram 20 euros de comissao ...........MAS O QUE E ISTO ???????

I am putting one star because that is the lowest rate I can put.

I am trying to change my postal address since 4 MONTHS. Just that, but it still seems too complicated for them.

Also don't fall for their "online bank" stuffs. Obviously everything goes online when it's about opening your account, but they will ask you to come in person to close your account. I asked them if we could find a solution since I left Portugal, and they told me I could send a letter but I had to go to a notary for my signature to be certified. That's quite funny since they did not even bother to aks my signature when I took an health insurance with them. Writing a simple email was perfectly fine at the time.

I don't know how to pu it differently: I highly regret choosing them.

This bank is predominantly an online bank with a limited amount of branches, what this means is that if you do need to go into a branch you will face long queues and slow service. The concept behind Activo Bank is that it's a low fee and apparently an innovative bank offering modern services, this is not the case. Banks in Portugal offer very poor and bureaucratic service and Activo is no exception. I recently complained about some fees incurred on my card and got the same level of customer service that I would get from any other bank, first response is always no and can't help you, on taking the matter further I was then subjected to a 10 minute lecture from one of their staff about his 30 year international banking career and how overseas banks offer even worse service than Activo. How anyone in a customer service would think this is an appropriate way to manage the complaint of a customer is beyond me, however this is apparently normal and acceptable in Portugal. The customer is never right and the inferiority complexes that staff here suffer from cause them to be rude and offensive towards clients in order to protect their precious egos. This might be okay for people who are used to this level of service but if you are a foreigner and know better and expect better you will be disappointed by Activo Bank. Therefore if you choose to bank with them please consider what is important to you and what your expectations are from your bank. Whilst you may not pay bank fees with Activo you will get rude and incompetent service and any formal complaints will be largely ignored even if you lodge it via the livro de reclamações because banks are untouchable in this country and the bank of Portugal won't find fault with the incompetent service you receive and does nothing to protect the rights of customers.

Customer experience is horrible, wire transfer are blocked for any silly reason you can imagine, waiting time in calls is never ending to tell you at the end they have not solution for you case, so on and so forth.

Faço quase tudo o que preciso pelo site do Banco ou pela app que está bastante boa. As poucas vezes que preciso de recorrer ao contacto telefónico é para situações fora do comum. Por exemplo precisei de uma declaração do banco para anexar ao IRS. No dia seguinte já me estavam a enviar a declaração por mail. Sempre me atendeu um gestor de contacto com conhecimentos e nunca fiquei pendurado à espera de um contacto. Aliás, ocasionalmente tem a iniciativa de me contactar para saber se está tudo bem ou para alguma sugestão.

Depois de muitas mesmo muitas tentativas para abrir conta desisti com vídeo chamadas, telefonemas, etc... As complicações e dificuldades são tantas que até parece que nós é que precisamos deles...

Very good, until you have a problem and want an answer. The helpline does not give relevant answers and even lie to try to get away from the call.

Infelizmente fiz uma transferência de minha conta desde App (Activo bank)
O dia 09/09/2021 Por um valor de 4249,48€
Para uma conta de Estados Unidos e o dinheiro nunca chegou, 50 dias sem meu dinehiro, e ainda sem uma resposta.

Aller, j'ajoute ma contribution au 70% de mauvais avis... Pour faire simple, je travail à Porto et j'avais besoin d'ouvrir un compte au Portugal pour recevoir mon salaire. Ils sont tout simplement refusé parce que, étant français, je parle pas portugais et un anglais très basique.. ils ont refusé que mon amie (portugaise) vienne avec moi pour m'aider dans la traduction.

C'est le première fois qu'on me demande de parler une langue pour ouvrir un compte bancaire..

Et je parle même pas de l'accueil désagréable...

Online bank where you can't open an account online. Even with a residence permit you need to visit the branch. I visited a branch in Saldanha - Lisbon. Warning: You need to scan a QR code for getting your waiting number (internet connection required or you can do it via sms). Was waiting 2,5 hours even when I was there before opening hour. They say opening your account take 30 minutes. After 2 hours they stopped taking new customers for account opening because it was full for this day already. Before 12am... When I got inside, I was treated with disrespect. The staff was extremely stressed out. Only 2 people could go inside. In the end I was told that I need to show employment contract. This is the worst burreucratic thing ever! If you are not employed in Portugal, you have a very big problem. They don't accept foreign language documents. You need to pay for authorised translator. This is incredible. After this he told me to come again. But he deleted all information so the next time I will have to show him all documents again, all paperwork again. I can't believe this bank is considered as the best in Portugal for expats. How other banks look like I don't wanna know.

It's obvious for a "normal"person that is scrolling down these reviews, to realise that all the "bad experiences" are written in english... strange...
So, if you are Portuguese, like me, and you're searching these rates to see why the poor ratings i only have to say excellent things from my personal experience.
Never had a problem with the ActivoBank, and including I've canceled my account in Montepio to change to Activobank.
If you don't need a bank with physical departments, and you're searching a solid digital bank with a solid backup (Millenium BCP) this is your solution.
Tiago Pereira.

Worst bank ever to deal with avoid at all costs

Pior banco que já conheci, não tem respeito algo pelo o cliente, uma dificuldade para se tirar um empréstimo pessoal. Não adianta você faz pelo app, nem pessoalmente. Você envia toda a documentação solicitada e eles se quer te respondem se sim ou não. Tentei um empréstimo dia 9 e ate hoje , já liguei mais de 5 vezes e ninguém sabe informar nada. Sou cliente a mais de 3 anos da agência do Vasco da Gama, Vou mudar de banco que é melhor , eles não são os únicos do mundo.

Inacreditavel - o tempo de espera para ser atendido neste banco é INACREDITAVEL. E para aqueles que pensem, "oh, teve uma má experiência " , nao.. eu visitei-os 6 vezes (até agora) em duas sucursais diferentes (Oeiras e Cascais) e é irrisório. Entre o minimo de 40minutos e um maximo de 1:15h á espera. E voces pensam " ah, devia ter muita gente" , enganem.se em todas as vezes eu era ou o numero a seguir ou 2 atras. Estou neste momento á espera á já 30 minutos... ha 2 bancas visivelmente abertas, uma está sem clientes á 20 minutos, ( está a tratar de outro assunto no computador, eu pensei que o balcao fosse para atendimento ao publico, nao para tratar de assuntos administrativos ) o outro ainda tem o mesmo cliente desde que cheguei.... Se nao fosse eu estar abrir a conta em nome de outro, Nem pensar em abrir conta neste banco, se para abrir co ta é preciso isto, eu nao quero imaginar para tratar de problemas.

My application and online banking suddenly stopped working. I am out of Portugal on the "emergency phone line" already since 45 minutes. Nobody picks up the phone, nobody answers the emails...

Never had a situation like this before in any country.

Nunca consegui falar com nenhum assistente em nenhum dos numeros de contacto que o site disponibiliza.
Tentei 2 vezes, durante 30 min em espera, e nunca consegui chegar a um assistente. Acabo sempre por desistir e desligar sem conseguir tratar dos assuntos pretendidos.