Updated September 28, 2026 · VaultCue Editorial Team
ActivoBank vs SeaBank Indonesia
ActivoBank
Higher score in this comparison
SeaBank Indonesia
ActivoBank vs SeaBank Indonesia: the differences
| Compare | ActivoBankReviewSee alternativesSee alternatives | SeaBank IndonesiaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | IDR 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 | Free transfer up to 100 times per month |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currencies | 30 | Not confirmed |
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Key differences
- ActivoBank scores higher overall: 9.2 vs 8.9.
- Support channels: only ActivoBank offers Phone.
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.
SeaBank Indonesia
SeaBank Indonesia suits business owners and students who want an easy-access savings account with a monthly fee of IDR 0 and free transfers within a monthly allowance. Its headline rate of 3.5% sits close to the savings account median, 3.08%, so the case rests on cost and access.
Score breakdown
| Area | ActivoBank | SeaBank Indonesia |
|---|---|---|
| Cost | 9.3Higher | 9.1No monthly charge: IDR 0, with transfers free within a monthly allowance at IDR 0. |
| Offer | 9.2Higher | 8.6Easy-access balance with interest paid every day at a variable rate of 3.5%. |
| Trust | 9.2 | Not confirmed |
How they place
| Ranking | ActivoBank | SeaBank Indonesia |
|---|---|---|
| Savings accounts | 174 of 1420 | 436 of 1420 |
| Money transfer services | 132 of 1564 | 323 of 1564 |
Every fact side by side
| Fact | ActivoBank | SeaBank Indonesia |
|---|---|---|
| Audience | Not confirmed | Business, Student |
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Banco ActivoBank, S.A. | PT Bank Seabank Indonesia |
| Headquarters | Portugal | Indonesia |
| Founded | 1994 | Not confirmed |
| Support channels | Phone, Help centreCovers more | Help centre |
Savings
| Fact | ActivoBank | SeaBank Indonesia |
|---|---|---|
| Headline rate | 2.5% | 3.5%Higher |
| Rate type | Variable | Variable |
| 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 | Savings interest calculated and paid daily |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | ActivoBank | SeaBank Indonesia |
|---|---|---|
| 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 | Bank, Cash pickup, WalletCovers more |
| Fee to send 1,000 | €0 | IDR 0 |
Where each stands against the rest
| Fact | ActivoBank | SeaBank Indonesia | 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
SeaBank Indonesia
Pros
- Interest is calculated and credited every day on an easy-access balance, so money earns without waiting on a cycle.
- Transfers are free within a monthly allowance, with the fee set at IDR 0.
- Payouts reach a bank account, cash pickup or a wallet: bank, cash pickup and wallet.
Cons
- The headline rate ranks 184 of 473 compared brands, so rate is not the reason to choose it.
- Support runs on help centre alone, so questions have no phone or live chat route listed.
- The rate is variable rather than fixed, so the 3.5% headline can move and returns are not locked in.
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
SeaBank Indonesia
Who it suits
- Indonesian business owners who want a plain savings balance for day to day cash, with the fee at IDR 0
- Students starting to save who want easy access and interest credited every day
- Anyone who takes payouts to a bank account, cash pickup or a wallet, as bank, cash pickup and wallet allows
Who should look elsewhere
- Plazo ES, which lists a headline rate of 24.19%, far above 3.5% here
- AXI Card, where 21.59% applies to a card offer rather than a savings balance
- PayPal Colombia, which reaches saving through a wallet at 3.3% instead of a bank savings account
Country by country
| Country | ActivoBank | SeaBank Indonesia |
|---|---|---|
| Indonesia | No | Yes |
| 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.
SeaBank Indonesia
What does the account cost to run?+
The account carries a monthly fee of IDR 0, in line with the site median, €0. Transfers are free within a monthly allowance, and the transfer fee is set at IDR 0, so there is little to pay for everyday use.
How is interest paid on the balance?+
Interest is calculated and paid every day rather than at the end of a cycle. The account is easy-access, so money stays reachable while it earns, and the rate is variable at 3.5%. The savings account median, 3.08%, is close by.
Other options to compare
Other matchups
Related by the facts
ActivoBank
SeaBank Indonesia