Updated September 28, 2026 · VaultCue Editorial Team
ActivoBank vs Boubyan Bank digital
ActivoBank
Higher score in this comparison
Boubyan Bank digital
What sets them apart
| Compare | ActivoBankReviewSee alternativesSee alternatives | Boubyan Bank digitalReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | KWD 0 |
| Currencies | 30Higher | 13 |
| 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 | 0 KWD on multi-currency prepaid card currency conversion |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
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Key differences
- Currencies is higher at ActivoBank: 30 vs 13.
- Support channels: only ActivoBank offers Help centre.
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.
Boubyan Bank digital
Boubyan Bank digital pairs a free easy-access savings account with a multi-currency prepaid card that converts at no charge, so it suits Kuwait-based savers who pay in several currencies. A monthly fee of KWD 0 keeps running costs at nil.
Score breakdown
| Area | ActivoBank | Boubyan Bank digital |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.2 | Not confirmed |
| Trust | 9.2 | Not confirmed |
How they place
| Ranking | ActivoBank | Boubyan Bank digital |
|---|---|---|
| Current and checking accounts | 57 of 885 | 421 of 885 |
| Savings accounts | 174 of 1420 | 888 of 1420 |
| Money transfer services | 132 of 1564 | 759 of 1564 |
Every fact side by side
| Fact | ActivoBank | Boubyan Bank digital |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Banco ActivoBank, S.A. | Not confirmed |
| Headquarters | Portugal | Kuwait |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Help centreCovers more | Phone |
Savings
| Fact | ActivoBank | Boubyan Bank digital |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Rate type | Variable | Variable |
| Minimum deposit | €1 | KWD 50 |
| 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 | Access cash from your savings anytime, free VISA Debit Card included |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | ActivoBank | Boubyan Bank digital |
|---|---|---|
| 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 for multi-currency prepaid card conversion |
| Payout methods | Bank | Not confirmed |
| Fee to send 1,000 | €0 | KWD 0 |
Where each stands against the rest
| Fact | ActivoBank | Boubyan Bank digital | Median |
|---|---|---|---|
| Currencies | 30highest quarter | 13above the median | 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
Boubyan Bank digital
Pros
- Monthly fee of KWD 0 on the easy-access account
- Currency conversion on the multi-currency prepaid card runs at 0 KWD on multi-currency prepaid card currency conversion
- A variable rate, so the return moves with the bank's pricing
Cons
- Support runs on phone only, so there is no written help centre to fall back on
- The easy-access account asks for a minimum deposit of KWD 50 to open
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
Boubyan Bank digital
Who it suits
- Kuwait residents holding several currencies who want everyday spending without a monthly charge
- Anyone paid into a foreign currency who will use the multi-currency prepaid card abroad
- Savers who want access to their money at any time without locking a term
Who should look elsewhere
- Customers who want written, self-service help, since support runs on phone
- Anyone unwilling to hold the minimum deposit of KWD 50 to open an easy-access account
Country by country
| Country | ActivoBank | Boubyan Bank digital |
|---|---|---|
| Portugal | Yes | No |
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.
Boubyan Bank digital
What does the account cost to keep?+
The easy-access savings account has a monthly fee of KWD 0, so there is nothing to pay for keeping it open. Access terms are straightforward: you can take cash out at any time, and a free VISA Debit Card comes with the account.
What does it cost to convert currency?+
Conversion on the multi-currency prepaid card is charged at 0 KWD on multi-currency prepaid card currency conversion, and delivery is Instant for multi-currency prepaid card conversion. The card holds 13 currencies, which covers most spending and travel needs without a separate conversion charge.
Other options to compare
Related by the facts
ActivoBank
Boubyan Bank digital