eBanking
eBanking

Interest Rates

The following interest rates apply since March 13, 2025

Checking account (for enterprises) with cheque book

AMOUNT (EUROS) INTEREST RATE (%)
– 0,02

Checking account (for individuals)

AMOUNT (EUROS) INTEREST RATE (%)
– 0,05

Checking/Payroll account

AMOUNT (EUROS) INTEREST RATE (%)
Up to €5.000 0,25

 

Rural Account (subsided by OPEKEPE**)

AMOUNT (EUROS) INTEREST RATE (%)
– According to the Tiered-Rate Account scale

 

** Payment and Control Agency for Guidance and Guarantee Community Aid

Tiered Savings Account

AMOUNT (EUROs) INTEREST RATE (%)
0,01 – 50.000,00 0,05
50.000,01 – 100.000,00 0,10
100.000,01 – 500.000,00 0,15
500.000,01 – 1.000.000,00 0,20
> 1.000.000,00 0,25

 

 

NOTES

  • The interest rate of the respective scale applies to the amount of savings.
  • Interest rates are calculated at an annual 360-day calendar basis.
The following interest rates apply since March 13, 2025

Time deposits

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
30 90 180 365
5.000,00 – 50.000,00 0,75 0,80 0,85 1,00
50.000,01 – 100.000,00 0,85 0,90 0,95 1,10
100.000,01 – 250.000,00 0,95 1,00 1,05 1,20
250.000,01- 500.000,00 1,05 1,10 1,15 1,30
500.000,01 – 1.000.000,00 1,15 1,20 1,25 1,40
> 1.000.000,00 Negotiable

Monthly Income

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,00- 50.000,00 0,70 0,75 0,90
50.000,01 – 100.000,00 0,80 0,85 1,00
100.000,01 – 250.000,00 0,90 0,95 1,10
250.000,01- 500.000,00 1,00 1,05 1,20
500.000,01 – 1.000.000,00 1,10 1,15 1,30
> 1.000.000,00 Negotiable

 

The following interest rates apply since March 13, 2025

Online Time Deposit

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION ( IN DAYS )
30 90 180 365
5.000,00 – 50.000,00 0,80 0,85 0,90 1,05
50.000,01 – 100.000,00 0,90 0,95 0,95 1,15
100.000,01- 200.000,00  1,00 1,05 1,10 1,25

Monthly Income Online

AMOUNT (EUROS) INTEREST RATE (%) BASED ON THE DEPOSIT DURATION (IN DAYS)
90 180 365
5.000,00 – 50.000,00 0,75 0,80 0,95
50.000,01 – 100.000,00 0,85 0,90 1,05
100.000,01- 200.000,00 0,95 1,00 1,15
The following interest rates apply since April 23, 2025

 

E.C.B. Interest rate: 2,40%

Lending rates (for individuals)

PRODUCT INTEREST RATE(%) Remarks
Base Rate spread  (%) levy of L.128/75 (%)
Personal B.L.R. up to 5,70 0,60
Personal with collateral B.L.R. up to 3,00 0,60
Overdraft B.L.R. up to 5,70 0,60
Payroll Overdraft B.L.R. up to 2,50 0,60
Housing – Renovation Loan EURIBOR 3M 1,50 to 3,00 0,12
Investment B.L.R. * 0,60 * The interest rate margin is determined based on an assessment of creditworthiness, transactional behavior, provided collateral (where required), as well as the overall relationship (other products and services) with the Bank.
Products in collaboration with the relevant ministries for programmes or with the HDB In accordance with the terms of each cooperation agreement
VISA & MasterCard credit cards 17,45 for purchases & 18,45 for withdrawals 0,60

Lending rates (for enterprises)

PRODUCT INTEREST RATE(%) Remarks
Base Rate spread  (%) levy of L.128/75 (%)
Open Revolving B.L.R. * 0,60 * The interest rate margin is determined based on an assessment of creditworthiness, transactional behavior, provided collateral (where required), as well as the overall relationship (other products and services) with the Bank.
Working Capital B.L.R. 0,60
Fixed Assets B.L.R. 0,60
Commercial Mortgage B.L.R. 0,60
Guarantee product TEPIX III in collaboration with the Hellenic Development Bank (HDB). EURIBOR 3M 0,60
Guarantee product InvestEU in collaboration with the European Investment Fund (EIF) guarantee facility. EURIBOR 3M 0,60
Guarantee product EaSI in collaboration with the European Investment Fund (EIF) guarantee facility. B.L.R. up to 0,00 0,60

 

NOTES

The Basic Lending Rate is currently 11.90% and is broken down as follows:

B.L.R. = ECB main refinancing operations rate (2.40%) + Margin (9.50%).

The 3-month Euribor is a floating rate and can be accessed via the following link:3 months Euribor rate

Interest rates for individuals are calculated on a 365-day calendar year basis (other categories on a 360-day basis).

The default interest rate is set at 2.5% above the applicable gross interest rate.