When you’re heading outside of Portugal, your financial toolkit needs to be reliable, flexible, and low-cost. That’s where the Activo Bank International Pre-paid Card steps in. Designed specifically for international use, this prepaid solution brings you closer to total budget control—without surprises.
Whether you’re a digital nomad, a student abroad, or just someone who wants to avoid hefty foreign transaction fees, this card delivers a blend of convenience, security, and affordability. Let’s dive into everything you need to know before choosing it as your travel companion.
Key information about the credit card
How does the annual fee work?
Unlike many credit cards that waive annual fees in exchange for higher transaction costs abroad, the Activo Bank International Pre-paid Card follows a different approach. It charges a small annual provision fee of €15, plus a stamp duty, making it one of the more budget-friendly options for international use.
There is no monthly fee, and the card does not impose hidden charges for inactivity or low usage. This flat-rate model works particularly well for those who want to plan ahead and travel without worrying about fluctuating charges.
How is the credit limit determined?
Since this is a prepaid card, it operates entirely differently from traditional or even secured credit cards. Instead of being assigned a credit limit by the bank based on your credit score or income, the Activo Bank International Pre-paid Card leaves the control in your hands.
This gives users complete freedom to set their own budget, making it perfect for those who want to avoid overspending. Since there’s no borrowing involved, there’s also no need for credit approval or debt accumulation.
Advantages of the credit card
- No foreign transaction fees: The biggest appeal of this card lies in its exemption from foreign transaction fees when used within the EU, EEA, and other covered countries. That means your purchases abroad won’t come with extra costs, making it ideal for travelers.
- Digital access while you wait: Once approved, you don’t have to wait for the physical card to arrive. The digital version is instantly available via the ActivoBank App, letting you use the card through MB WAY or digital wallets immediately.
- Freedom to top-up anytime: There’s no mandatory top-up schedule or fixed amount. You choose when and how much to deposit, starting at €5, directly via the website or app.
- Full expense control in the app: Monitor transactions, load funds, enable or disable international usage, and manage card settings all through the intuitive mobile application.
- 3D Secure for safer shopping: Your online purchases are protected by the 3D Secure protocol. You’ll receive notifications to validate transactions, ensuring only you can approve online spending.
Standout advantage
The ability to avoid foreign transaction fees in covered countries is the card’s most valuable feature. Many banks charge between 2% to 3% per international transaction, which adds up quickly during a trip.
Disadvantages
- Withdrawal fees outside euro zone: Although transactions in euros are fee-free in designated countries, cash withdrawals in non-euro currencies cost €5 per withdrawal, which can add up.
- No cashback or rewards program: Unlike some prepaid or debit cards, this card doesn’t offer cashback or points for your purchases.
- Annual fee applies: Although it’s low, there’s still a €15 annual fee, which might be a deal-breaker for infrequent travelers.
A standout disadvantage
The biggest downside is the €5 fee for every withdrawal made outside the euro currency. While card purchases remain free in covered areas, travelers heading to destinations outside the eurozone may find this cost restrictive.
Who can apply for this card?
To apply for the Activo Bank International Pre-paid Card, you must have an active account with ActivoBank. The applicant needs to be at least 18 years old and possess valid identification.
Unlike credit cards, this one doesn’t require a credit score evaluation, which makes it an accessible option even for those with a limited or poor credit history. There’s no minimum income requirement, and no proof of income is necessary since the card is prepaid.
However, the applicant must reside in Portugal or hold a residence permit, as the card is tied to the ActivoBank account ecosystem. While it’s easier to be approved compared to a traditional credit card, you must provide personal details, verify your identity, and accept the general terms of the bank.
How to apply for the Activo Bank International Pre-paid Card
For the website
If you prefer to handle your financial matters from your desktop or laptop, applying for the card through the ActivoBank website is a straightforward and user-friendly process. First, visit the official ActivoBank page and log into your account.
If you’re not yet a customer, you’ll need to open a checking account, which can also be done online. Once logged in, head to the “Cards” section and select the “International Pre-paid Card.”
From there, you’ll be guided through the application form, where you’ll confirm your personal details and accept the terms and conditions. Once completed, you’ll receive a confirmation email, and shortly after, your digital card will be available.
Through the app
Applying via the ActivoBank app is arguably the most convenient method, especially for those already managing their finances on mobile. After downloading the app and logging into your account, go to the “Cards” menu and select “Request New Card.”
Choose the International Pre-paid Card and proceed with filling in your personal data, reviewing the terms, and confirming your submission. One of the key benefits of using the app is that your card will instantly be issued in digital form upon approval.
You can immediately add it to MB WAY or a digital wallet like Apple Pay or Google Pay and start making transactions, including online shopping, payments, and transfers. The app also allows real-time tracking of your card status, transactions, and top-up history.
At the branch
For those who prefer face-to-face interaction or need extra assistance, visiting an ActivoBank branch is another option. Though ActivoBank primarily operates online, it does maintain physical locations in major cities across Portugal.
At the branch, a representative will walk you through the card’s benefits, gather your documents, and help you complete the application process. You’ll need to present a valid ID, your Portuguese tax identification number (NIF), and proof of residence.
The digital version of the card is usually activated on the same day, and your physical card will be delivered to your home within a few days. Visiting a branch can be particularly helpful for first-time customers or those unfamiliar with digital banking tools.
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