ActivoBank vs Caixadirecta
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ActivoBank
Manage your finances with this app, offering account management, card services, loan applications, and secure payment options. It also allows for international transfers and bill splitting with friends. Open a new account entirely online in just 15 minutes.
- Integrated account management
- Card services and management
- Loan simulation and application
- International transfers
- Bill payment and splitting
- Secure mobile payments
- Account aggregation
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Everything you need to know about our App’s functionalities is here! Did you know you can: Manage your accounts in an integrated and intuitive way: check, transfer, pay and save; Hide your balances in order to have more privacy; Request a new Debit or Credit Card and revoke ( up to 14 days) or even cancel it due to loss or theft; Simulate and apply for a Personal Loan, with the possibility of immediate online approval (subject to automatic credit assessment); Simulate a Home Loan: apply and upload the first required documents; Subscribe our ON/OFF Travel Insurance; Make international transfers directly with TransferWise; Use Widgets for a simpler access to your account movements; Set notifications when your balance is below a certain amount or when your Credit Card is used. With Apple Pay you can make simple, fast and secure purchases in stores, in Apps, and on the web. Leave your cards at home and pay using only your Apple device. It’s simple, fast and safe. In the area “More” you can find: MB WAY, where you can send, withdraw and request money or even pay and split your bills with friends; Finance Manager, onde pode controlar os seus gastos; Configurations; Contacts; Legal information; Logout. Request your Loan Moratorium, without leaving your house. It’s the safest option! Upload the documents, wait for an answer and, if you fulfil the requirements, accept! With PSD2 you can aggregate, on your App, information about your other Bank Accounts: balances, movements and account details. You can aggregate Accounts from 17 national Banks, that joined to the SIBS solution. Share Beneficiaries and Favourites info between the App and website. Not our Client yet? Then open an Account without leaving your house! You’ll only need: 15 minutes; Portuguese Identification Document, proof of address and employment; Make a videocall at the end of the process. Don’t waste any time: download it now and make your life simpler!
Caixadirecta
Access your bank accounts, make payments, and manage finances on the go. This app offers secure and fast banking operations, including mobile payments, voice commands, and transfers. Stay updated on your financial status and interact with your bank anytime, anywhere.
- Access bank accounts
- Make and schedule payments
- Mobile payments via QR Code/Apple Pay
- AI-powered digital assistant
- View accounts from other banks
- MB WAY transfers and withdrawals
- Subscribe to products without visiting branch
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App de Homebanking da Caixa que permite aceder a um grande número de operações financeiras de forma simples, rápida e segura. Com esta App, tem a Caixa sempre à mão, 24h/dia. Pode aceder às suas contas, da Caixa e de outros bancos, fazer ou agendar pagamentos, transferências e muito mais. • Pague na loja com o seu telemóvel, através de QR Code ou Apple Pay • Realize ações através de comandos de voz com a Assistente Digital suportada por Inteligência Artificial • Adicione as contas à ordem que tem noutros Bancos e fique com uma visão global dos seus saldos e movimentos • Valide pagamentos de compras online com cartão • Envie dinheiro, levante ou pague através do MB WAY • Faça transferências para contactos de telemóvel • Subscreva produtos Caixa sem ir à agência • Fale com o seu Gestor Dedicado ou Assistente Comercial Experiência de utilização: • Página inicial com acesso facilitado às operações do dia a dia • Barra de navegação em permanência, para não perder nenhuma notificação importante • Menu intuitivo, para encontrar rapidamente o que procura Mantenha a app sempre atualizada e partilhe a App Caixadirecta com os seus amigos ou familiares e use o botão de "Feedback", disponível na APP, para ajudar a melhorar a sua experiência.
Screenshots
Verdict
The clearest difference is monetization model: Caixadirecta at free against ActivoBank's free with in-app purchases. Caixadirecta also leads on update cadence (every 11 days vs every 4 weeks) and ratings volume (1.9K vs 528). On price, rating, review sentiment and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for ActivoBank against 4.7 for Caixadirecta. Both are backed by a comparable volume of ratings — 528 and 1.9K respectively. Written reviews are what separate them: 46% of ActivoBank's written reviews are positive against 40% of Caixadirecta's.
ActivoBank ships an update every 4 weeks, Caixadirecta every 11 days. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.
| Parameter | ActivoBank | Caixadirecta |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (528 ratings) | 4.7 (1.9K ratings) |
| Positive reviews | 46.1% of reviews — better | 39.6% of reviews |
| Number of ratings | 528 | 1.9K — better |
| Update frequency | Every 4 weeks | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Apple Watch — better | iPhone, iPad |
| Requires iOS | 16.6 | 16.0 — better |
| Further details — not scored | ||
| Size | 420 MB | 397 MB |
| Age rating | 4+ | 4+ |
| Developer | Banco ActivoBank (Portugal), SA | Caixa Geral de Depósitos |
Customer experience
ActivoBank
Caixadirecta
User reviews
ActivoBank
From 528 App Store ratingsWhat we love
- 👍 Intuitive and user-friendly interface
- 🚀 Fast and efficient transaction processing
- 💼 Comprehensive banking functionality
- 🌐 Available in multiple languages
- 📱 Modern and attractive design
Room to improve
- 📢 Intrusive marketing notifications cannot be disabled
- 🐛 Frequent app crashes and loading failures
- 🔐 VPN connectivity issues
- ⏳ Pending transactions display incorrectly
- 💰 High foreign currency exchange fees
Caixadirecta
From 1.9K App Store ratingsWhat we love
- 🚀 Excellent online banking service
- 🌍 Useful for clients living abroad
- 👍 Easy and intuitive to use
- 🌐 Multilingual support (English and Portuguese)
Room to improve
- 🐛 Buggy and unreliable
- 🕰️ Slow and laggy performance
- 🤔 Confusing and unintuitive navigation
- 🔒 Overly complicated security measures
- 💻 Lack of iPad support and optimization
Bugs and requests
ActivoBank
Reported bugs
16 issues- App fails to open after recent updates
- Login requires multiple attempts
- Numpad appears instead of keyboard for company name input
- IBAN not recognized error on transfer finalization
- Face ID compliance error on compatible devices
Show 11 moreShow fewer
- App reports offline status despite active connection
- Website freezes at Terms and Conditions review step
- Chave Movel Digital button non-functional
- Email notifications blocked after customer replies
- App crashes on version 4.0+
- Pending and wallet transactions not visible
- Language selection reverts to Portuguese
- Dismissed advertisements reappear on screen reload
- Update requires re-activation with failed credential acceptance
- Back button disappears in navigation settings view
- Connection problems persist after reinstallation
Requested features
11 requests- Separate marketing notification toggle from security alerts
- Support for non-Portuguese IBAN beneficiaries
- Landscape/horizontal orientation support for iPad
- Easier tax address and postal address updates
- Card blocking functionality within the app
Show 6 moreShow fewer
- Optional hidden balance feature in settings
- Increased PIN security (minimum 6 digits)
- Waived foreign currency fees for free accounts
- Real-time transaction date display for contactless payments
- Consistent language support throughout entire app
- SMS activation code delivery improvements
Caixadirecta
Reported bugs
5 issues- Login issues and screen freezes
- Inability to update personal information
- Recurring transfer setup problems
- Inconsistent behavior when approving transactions
- Notifications leading to nowhere in the app
Requested features
5 requests- Allow users to update personal details directly in the app
- Provide option to set complex passwords instead of just PINs
- Improve language settings to make them more persistent
- Add support for landscape mode on tablets
- Enhance transaction details and history
In-app purchases
ActivoBank
No in-app purchases
Caixadirecta
No in-app purchases






