ActivoBank Reviews 

I sent money to my Activobank account from my other bank and more than 1 month I cannot see them on Activobank. First, they asked supporting documents, I've sent it twice, but since that – I had about 6 phone calls with support and every time they promise that the team will reach out to me in 48 hours and money will soon be on the account. But nothing happens.

2nd time in 4 months that I cannot access my salary because ActivoBank is having issues. will be changing banks.

The application is not working and giving constant errors when trying to process operations. The customer service is not helpful either.

I have been waiting for more than a week about a pending payment to my account. I contacted by one of the representative from ActivoBank on the 3rd of April, he informed me that my employer would like to retrieve the payment and I have declined the retrieveal and consulted my employer. Strangely my employer has received no info about this process. So I went to one of the branch in Amoreiras on the 5th of April and the lady told me I need to wait for a call from their back-office department and they are dealing with the situation, I have been informed by her that the department would probably get in touch within 2 days. So I waited for 2 business days and I got no call. Thus I contact the customer service by phone on the 12th April, he told me that he made a request for the department to contact me asap within 24 hours. And then another 24 hours has passed, there's no answer, so I called again on the 13th April, the guy said the same thing that I needed to wait for the department to call and he can't do anything except requesting another call from them nor he doesn't know what is the issue and he can't even provide any contacts to call the department. Overall, the service is the worst if there is a situation and the customer service can't help you in any way!!!!!!!!!!!!!

The App does not work, Automatic transfers dont work, the login sometimes fails, the homepage as well, no integration to Revolut

1.5 hours to be able to complete the phone step to enter the App is just next level. How can this be acceptable?

Worst customer support.
I just made call to bank to know about my transaction yesterday I made. The lady Maria have no manner how to talk just interrupted me during conversation, as I said please talk in proper manners she hang up..
And I even made complaint but this bank never took any action

Maybe it's a cultural difference, but I'm simply but used to, nor tolerant of having to wait more than three hours in a queue just to do something as basic as changing my phone number on my account. This was my experience today, except that it didn't even end with my phone number changing as I had to leave after three hours of waiting due to previously arranged appointments.

DON'T BANK WITH ACTIVOBANK - THEY ARE A SCAM!
I can't access my app and online account after the change of my phone number and they refuse to assist me to change that plus my address despite my credit and debit cards are sent to the old address AKA strangers! I have tried everything and they have discontinued their email, Skype, and any form of communications to the public. Making phone calls doesn't help either. I can't access or delete my account to get my money back as they don't care. I still have a lot of money, and they want to steal it, that's why!!!!!! I am in the process of taking legal actions against them.

I had to wait 1:30 to open a bank account. This should have alerted me on the level of service of this bank. I was told that everything was easy in case I wanted to change something. I changed my phone number and needed to make the change either in an ATM or in an agency. Knowing the time it takes to do something in their agencies, I chose to do it in an ATM. I inserted the card and the instructions being in Portuguese, I took time to find the path to change my phone number so the ATM ate it. The customer service told me that I need to get a new card as the ATM was not in a bank and assured me (calls recorded) that I'd be able to do all the operations I need once I get my new card. I went to the agency the next day to get a card (could have been received home but they were incompetent to the point that they were not able to record my address when we signed the contract), it took 1 hour and they said that everything was OK. The same day, a few hours later, I try to make a transfer to my landlord (the monthly rent) and it's refused. I call the customer service who tell me that for security reasons regarding a change of phone number, transfers are blocked for 24h (I was embarrassed for them as the changes were made in the agency with agents, so they don't trust themselves?). The agent then told me that I'll go through a 3 steps process. I went through the process and the same day, I was told that everything is ok, I can do any operation I want (calls recorded). A few hours later, I try to do the transfer again and it's not working. I call the CS who tells me that I need to wait until the end of the day and that I will be able to make the transfer on the same day. A few hours later, still not working, I call again and they tell me: at midnight it will be possible. Midnight and the day after it's still not possible. I call the CS (Apparently my time has no value) and they tell me: yes that's normal! it can take up to 72 hours. I moved from "it's solved" to "it can take 72 hours". Funniest thing in this story is that there's money and I'm blocked for a phone number change that THEY managed IN the agency. If you have other options, consider them, they are not an online bank (I have wise which I consider an online bank) and they don't have the skills to be a "physical bank".

The customer service is tragic. I couldn't open an account online, because I am an EU national but not Portuguese. So I went to Cascais Shopping branch equipped with my passport, nif, contract (digital version as my Big Tech employer doesn't issue wet signature paper contacts) and proof of address.
The wait was 1 hr and 10 minutes. Standing. There is no seating or waiting time available. By the time my ticket arrived, 7 account tickets before me (seven!!) gave up. So the queue went from a16 straight to my a24.
The process took another hour. Standing.
I needed to produce "surprise" additional docs: namely also my payslips and residency.
The card needs to be picked up in person. So all the same process needs to be repeated.
Nobody apologized for the wait time of the "modified" account opening process.
I'm no longer sure I will actually use my account, because of such poor experience. I just feel closing this account will equally be a pain in the neck. So easier to keep it open for now.

I've been trying to change my post address and my tax address from my account for a few months and so far they haven't managed to do it. Even though I've provided them with the all legal documentation.

I've tried through all communication channels, AB contact, phone, app, web, etc. Unfortunately because of this, I'm considering to change to another bank.

Waited for more than an hour in line and got refused to open an account due to some made up rules. I’m a citizen of Ukraine and here in Portugal under temporary protection. I have NIF and rental contract, all my friends were able to open bank accounts with the same documents, but not me. They said I have to have a document confirming I’m under the protection here. I have 2 documents saying that me is under temporary protection. Will recommend to avoid this bank, poor service, careless and unprofessional clerks.

Horrible costumer assistance bank. Support people with little or non information about basic questions on their products and how to overcome an issue with your money or international transfers. Even when they are presented with a simple solution for the problem, they don't want to help you. They say they are following the guidelines even after they recognise they are wrong and are not helpful. They promise you everything, and everything is fine, until you have a prob. Then they show their true colours: they just want your money and if they have to block access to your own money and leave you to starve because you dont have any other bank account in the country, they dont care! They really need to learn from the north european countries and their bank policies!

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

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.