Updated October 13, 2026 · VaultCue Editorial Team
ActivoBank vs Alinma
ActivoBank
Higher score in this comparison
Alinma
ActivoBank vs Alinma: the differences
| Compare | ActivoBankReviewSee alternativesSee alternatives | AlinmaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | SAR 0 |
| Transfer fee | 0 EUR - ActivoBank charges no fee for the Wise international transfer service; only Wise's fee applies, a percentage of the amount sent that varies by currency and is shown before confirming | SAR 57.50 online, SAR 86.25 from branch (Transfer to a Bank Outside KSA, incl. VAT) |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | 30 | Not confirmed |
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Key differences
- Founded is lower at ActivoBank: 1994 vs 2006.
- Support channels: only ActivoBank offers Help centre.
- Support channels: only Alinma offers Email.
Our verdict on each
ActivoBank
ActivoBank suits anyone who wants a Portuguese bank account with no monthly fee and interest paid on savings they can still reach. It is a PT bank under Banco de Portugal, deposits sit in the EU scheme, and the savings rate of 2.5% is variable.
Alinma
Alinma offers easy-access provision for everyday balances with use shaped by package terms. It suits customers who want current money to remain reachable through a defined structure and who accept reviewing those terms carefully before choosing an account for daily needs.
Score breakdown
| Area | ActivoBank | Alinma |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.2Higher | 8.5 |
| Trust | 9.2Higher | 8.8 |
How they place
| Ranking | ActivoBank | Alinma |
|---|---|---|
| Current and checking accounts | 57 of 885 | 228 of 885 |
| Savings accounts | 174 of 1420 | 661 of 1420 |
| Money transfer services | 132 of 1564 | 529 of 1564 |
Every fact side by side
| Fact | ActivoBank | Alinma |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Banco ActivoBank, S.A. | Alinma Bank |
| Headquarters | Portugal | Saudi Arabia |
| Founded | 1994Lower | 2006 |
| Support channels | Phone, Help centre | Phone, Email |
Savings
| Fact | ActivoBank | Alinma |
|---|---|---|
| Headline rate | 2.5% | 1.5% to 2.7%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | €1 | SAR 1 |
| Access terms | No term: money can be taken out or added at any time; interest calculated daily and paid monthly; maximum remunerated daily balance 20,000 EUR with Plano AB Premium, 5,000 EUR with Plano AB Plus | Withdraw any time during the investment period, subject to package terms |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | ActivoBank | Alinma |
|---|---|---|
| Exchange rate markup | 0% | Not confirmed |
| Delivery time | About a quarter of transfers arrive in a few seconds; others may take only a few minutes, estimate depends on destination currency, country, security checks and timing | Instant with alinma Express |
| Payout methods | Bank | Bank, Cash pickupCovers more |
| Fee to send 1,000 | €0 | SAR 57.50 to SAR 86.25 |
Where each stands against the rest
| Fact | ActivoBank | Alinma | Median |
|---|---|---|---|
| Currencies | 30highest quarter | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
ActivoBank
Pros
- No monthly fee on the account, so nothing is deducted from your balance each month
- Savings interest of 2.5% at a variable rate, calculated daily and paid monthly
- Currency conversion carries a 0% margin across 30 currencies
Cons
- Support runs on phone and help centre only, so there is no live chat for quick questions
- Interest is capped at a maximum remunerated daily balance, higher on Plano AB Premium than on Plano AB Plus
- Only Wise's own transfer fee applies on international transfers, a percentage shown before you confirm
Alinma
Pros
- Keeps everyday balances within easy-access provision shaped by package terms
- Connects everyday money movement with Alinma Express handling
- Organises current balances around clear customer access for daily needs
Who each suits
ActivoBank
Who it suits
- Anyone living in PT who wants everyday banking without a monthly charge
- Savers who want interest on money they can still withdraw at any time
- People who send money abroad and want a low conversion margin
Who should look elsewhere
- Anyone wanting UK or US deposit protection, since the EU DGS up to EUR 100,000 is the EU scheme only
- People who need live chat support, as support runs on phone and help centre
Alinma
Who it suits
- Customers seeking reachable everyday balances
- Customers preferring package defined account use
Country by country
| Country | ActivoBank | Alinma |
|---|---|---|
| Portugal | Yes | No |
| Saudi Arabia | No | Yes |
Questions about each
ActivoBank
Is there a monthly fee on the account?+
There is no monthly fee, so nothing is taken out of your balance each month. Money in the account can be added or taken out at any time, and the savings side pays 2.5% at a variable rate on top.
How is my money protected?+
ActivoBank is a bank supervised by Banco de Portugal in Portugal, and deposits are covered by the EU DGS up to EUR 100,000. If you bank in the UK or the US, the local scheme amounts differ from EU DGS up to EUR 100,000.
Alinma
What type of accounts does Alinma cover?+
Alinma covers everyday balances through easy-access provision. Package terms shape how customers use the account. Customers who value reachable money for daily needs may find this structure aligns with their expectations.
Who is Alinma suitable for?+
Alinma suits customers who want everyday money to stay reachable. The package defined structure helps those who prefer clear terms around access. Customers should weigh daily needs against how this type of account organises balances.
Other options to compare
Other rankings
ActivoBank
Alinma