Customer Information

Basic Terms and Conditions

Personal Credit Card Agreement – Non CCA

Business Credit Card Agreement

Savings Account for Youth Card

Savings Account

Credit Card

Current Account with Limit

Current Account 

Payment Account with special features

Personal Financial Statement (PFS) - Physical Entities

Arrears Support

Document Briefing Borrowers

Borrower's Written Appeals Form

Appeals Process

Document Briefing Guarantors

Central Bank Instructions on Arrears Management (available only in Greek)

Code of conduct for borrowers in financial dificculties (available only in Greek)

Dates Value / Availability (available only in Greek)

SEPA Information (available only in Greek)

Information Document about Opening  and review of Account 

Information Document about change of Payment Account (available only in Greek)

Your rights when making payments in Europe

Deposit Guarantee Scheme

Payment Accounts with basic features - Informative Leaflet 

Table A Credit Risk 2017

Table A Credit Risk 2016 (available only in Greek)

Table A Credit Risk 2015 (available only in Greek)

Δημοσιοποιήσεις σύμφωνα με την Οδηγία για την Πολιτική Απομείωσης Δανείων και τις Διαδικασίες Διενέργειας Προβλέψεων - 30/06/2015 (available only in Greek)

Δημοσιοποιήσεις σύμφωνα με την Οδηγία για την Πολιτική Απομείωσης Δανείων και τις Διαδικασίες Διενέργειας Προβλέψεων - 31/12/2014 (available only in Greek)

Δημοσιοποιήσεις σύμφωνα με την Οδηγία για την Πολιτική Απομείωσης Δανείων και τις Διαδικασίες Διενέργειας Προβλέψεων - 30/06/2014 (available only in Greek)

Δημοσιοποιήσεις σύμφωνα με την Οδηγία για την Πολιτική Απομείωσης Δανείων και τις Διαδικασίες Διενέργειας Προβλέψεων - 31/12/2013 (available only in Greek)

More information about Complaint Procedure

Complaint Form

Base Rate Setting - Process and Methodology 

Τhe Bank uses the following Base Rates:

(a) Base Rate Determined by the Bank: where the Base Rate is a base rate determined by the Bank, same shall be subject to variance by the Bank from time to time. Such variance shall be effected so as to reflect the conditions and parameters which contribute to its change from time to time and which include the Bank’s costs of funds, the supervisory authorities’ regulations which affect the cost of funds, the cost of capital and the operational costs. Such variance is calculated in accordance with the “Methodology of Calculating the Base Rate” which has been adopted by the Bank and has been uploaded on its website. The Methodology of Calculating the Base Rate shall be reviewed from time to time so as to be in line with the prevailing financial and economic conditions and parameters which must be taken into account for purposes of fixing the Base Rate. The variance of the Base Rate shall be communicated to the Customer by written notice (including notice via the statement of account where the current Base Rate is stated) or by publication by the Bank in a daily press or by any other convenience means allowed by the law and will take effect from the date of the publication and/or the written notice. The aforementioned Base Rates that are determined by the Bank are those that are uploaded on the Bank’s website from time to time and which currently are the “Bank’s Base Rate”, “Bank’s Housing Base Rate” and “Bank’s Business Base Rate”.

(b) Base Rate for Cash Collateralized Facilities shall be determined at each expiry date of the Cash Deposit Collateral (which secures the Loan Agreement ) and shall be equal to the credit interest rate applied from time to time to the said Cash Deposit Collateral. It is understood that the Base Rate for Cash Collateral Facilities shall be variable and shall be varied on each expiry date of the Cash Deposit Collateral on the date of fixing the applicable credit interest rate of the said cash deposit.

(c) EURIBOR (Euro Interbank Offered Rate) is an unsecured market benchmark rate calculated for several maturities (one week, and one, three, six and twelve months) each referred to as the Interest Period. It is administered by the European Money Markets Institute (EMMI). In order to bring the benchmark into compliance with the EU Benchmark Regulation (BMR), the EMMI has clarified the definition of EURIBOR as the rate at which banks in the EU and European Free Trade Association (EFTA) could obtain funds in the wholesale unsecured market. EURIBOR is published on every TARGET day, at or shortly after 11:00 Brussels time. The EURIBOR rates are published at the Bank’s website on a daily basis.

(d) The Bank of England Base Rate is the base rate that the Bank of England charges banks and other lenders when they borrow money. The base rate influences the interest rates that many lenders charge for mortgages, loans and other types of credit they offer people. The rate is set by the Monetary Policy Committee (MPC) and it is part of the Monetary Policy action taken to meet the target that the UK Government sets us to keep inflation low and stable. Further information in relation to the Bank of England Base Rate is available on the official website of the Bank of England.  The Bank of England Base Rate is published at the Bank’s website on a daily basis. 

(e) SARON (Swiss Average Rate Overnight) represents the overnight interest rate of the secured money market for Swiss francs (CHF). It is based on transactions and quotes posted in the Swiss repo market, a pivotal part of the Swiss Value Chain. SIX is the Benchmark Administrator of SARON and is responsible for its calculation and publication. SARON Compound Rates, which are standardized compounded rates are calculated by compounding the daily SARON rates over a specific tenor i.e. 1 month, 3 months, 6 months and 12 months (Interest Period) and are therefore known at the end of an Interest Period. However, depending on the selected option to use SARON Compound Rate, the rate can also be known at the beginning of an Interest Period. The SARON Compound Rates used by the Bank are published at the Bank’s website on a daily basis. Further details can be found in the following link: six-methodology-swiss-reference-rates-rules-en.pdf (six-group.com).

(f) SOFR is a fully-transaction based, risk-free reference rate. It is a broad measure of the cost of borrowing cash overnight collateralized by U.S. Treasury securities. The Secured Overnight Financing Rate (SOFR) is calculated and published by the Federal Reserve Bank of New York and was selected as the preferred overnight reference rate for U.S. Dollar financial contracts by the Alternative Reference Rates Committee (ARRC). CME Term SOFR Reference Rates Benchmarks provide the forward-looking measurement of overnight SOFR based on market expectations implied from derivative markets. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates, calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Further information is available on the official website of the administrator (www.cmegroup.com)

Click here to read the Terms & Conditions of 3D Secure

Frequently Asked Questions