Comparison

ActivoBank vs HabiMate

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Integrated account management
  • Card services and management
  • Loan simulation and application
  • International transfers
  • Bill payment and splitting
  • Secure mobile payments
  • Account aggregation
Features
Read full description

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!

About

HabiMate

Effortlessly manage shared household expenses and track who owes whom. Log bills, split costs with custom rules, and coordinate with housemates using a shared wall for updates and photos. It simplifies financial organization for shared living spaces.

Highlights
  • Log and split expenses
  • Custom splitting rules
  • Optional receipt scanning
  • Track balances and settlements
  • House Wall for updates
  • QR code house invites
Features
Read full description

HabiMate helps roommates split shared costs clearly—without spreadsheet chaos. • Log expenses and split fairly (equal or custom rules) • Optional receipt scan to suggest amounts—always verify before saving • See who owes whom and suggested settlements (you pay friends however you like) • House Wall for photos, updates, and coordination • Join a house with QR codes and invites Privacy: https://habimate.com/privacy Account deletion: https://habimate.com/delete-account Support: https://habimate.com/contact HabiMate helps you organize splits; it isn’t legal, tax, or financial advice.

Screenshots

ActivoBank4 screens
HabiMate4 screens

Verdict

The call

The clearest difference is review sentiment: HabiMate at 100% against ActivoBank's 46%. HabiMate also leads on monetization model (free vs free with in-app purchases) and update cadence (every 5 days vs every 4 weeks). ActivoBank's advantage is ratings volume (555 vs 1). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

HabiMate holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: ActivoBank has 555 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 46% of ActivoBank's written reviews are positive against 100% of HabiMate's.

UpkeepUpdate frequency

ActivoBank ships an update every 4 weeks, HabiMate every 5 days. The most recent releases landed on October 24, 2026 and October 14, 2026 respectively.

Scorecard6 real differences · 4 level
ActivoBank versus HabiMate: the parameters behind the verdict, then further details
ParameterActivoBankHabiMate
PriceFreeFree
Rating4.7 (555 ratings)5.0 (1 ratings) — better
Positive reviews46.1% of reviews100.0% of reviews — better
Number of ratings555 — better1
Update frequencyEvery 4 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, Apple WatchiPhone, iPad, iPod
Requires iOS17.615.1 — better
Further details — not scored
Size396 MB50 MB
Age rating4+4+
DeveloperBanco ActivoBank (Portugal), SAMuhammad Zahid

Customer experience

ActivoBank

All ratings550 ratings
Positive92.4%
Neutral1.1%
Negative6.5%
Written reviews180 reviews
Positive46.1%
Neutral8.9%
Negative45.0%

HabiMate

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

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 more
  • 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 more
  • 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

HabiMate

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ActivoBank

No in-app purchases

None

HabiMate

No in-app purchases

Questions

Is ActivoBank free?
ActivoBank is free to download, with no in-app purchases.
Is HabiMate free?
HabiMate is free to download, with no in-app purchases.
Which has better reviews, ActivoBank or HabiMate?
HabiMate is rated higher. ActivoBank averages 4.7 out of 5 from 555 ratings, while HabiMate averages 5.0 from 1 ratings.
Do ActivoBank or HabiMate have ads?
Neither ActivoBank nor HabiMate shows ads.
Which is updated more often, ActivoBank or HabiMate?
ActivoBank ships an update every 4 weeks, and HabiMate every 5 days. Most recently, ActivoBank was updated on October 24, 2026 and HabiMate on October 14, 2026.

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