Updated October 16, 2026 · VaultCue Editorial Team
ActivoBank vs Lhv Pank
ActivoBank
Higher score in this comparison
Lhv Pank
Where ActivoBank and Lhv Pank differ
| Compare | ActivoBankReviewSee alternativesSee alternatives | Lhv PankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | 30 | Not confirmed |
| 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 | Not confirmed |
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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.
Lhv Pank
LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
Score breakdown
| Area | ActivoBank | Lhv Pank |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.2 | Not confirmed |
| Trust | 9.2 | Not confirmed |
Every fact side by side
| Fact | ActivoBank | Lhv Pank |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | Banco ActivoBank, S.A. | Not confirmed |
| Headquarters | Portugal | Not confirmed |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Help centre | Not confirmed |
Savings
| Fact | ActivoBank | Lhv Pank |
|---|---|---|
| Headline rate | 2.5% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | €1 | Not confirmed |
| 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 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | ActivoBank | Lhv Pank |
|---|---|---|
| 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 | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Fee to send 1,000 | €0 | Not confirmed |
Where each stands against the rest
| Fact | ActivoBank | Lhv Pank | Median |
|---|---|---|---|
| Monthly fee | €0at the median | Not confirmed | €0 |
| 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
Lhv Pank
Pros
- LHV says the borrower and a bank representative sign the loan agreement digitally or at a branch.
- The captured information does not specify eligibility or pricing.
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
Lhv Pank
Who it suits
- Estonia borrowers checking an LHV collateral-backed private loan
Country by country
| Country | ActivoBank | Lhv Pank |
|---|---|---|
| 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.
What interest do I earn on savings?+
The savings account pays 2.5% at a variable rate, with interest calculated daily and paid monthly. The maximum remunerated daily balance is higher on Plano AB Premium than on Plano AB Plus.
Can I withdraw money whenever I want?+
Yes. There is no term on the account, so money can be taken out or added at any time. You only need to start from a minimum deposit of €1.
Other options to compare
Related by the facts
ActivoBank
Lhv Pank