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In the "Frequently Asked Questions", you will find answers to questions about our products and services.
You can start your relationship with our bank in just 10 minutes with just one signature, at any of our branches that suits you. You will need to provide certain supporting documents required for your identification, in line with the regulations of the Bank of Greece. Click here to see what these documents are.
You can add as many joint holders as you like to your account, in any of our branches that suits you. They will have to visit the branch as well and in line with the regulations of the Bank of Greece, they will need to provide certain supporting documents, which are required for their identification. Click here to see what these documents are.
For your convenience, we ought to keep your most recent information in our records. If they are older than three years, you will need to visit one of our branches to update them with a simple and quick procedure. Click here to view details of the supporting documents you are required to provide.
This procedure is mandatory for all banks and financial institutions under their legal and regulatory obligations, arising from the regulatory framework established by Law 4557/2018 and Decision No. 281/5/17.03.2009 of the Banking and Credit Committee of the Bank of Greece.
Yes. Banks are not allowed to perform any transactions unless they have previously certified and verified the identity of the customer.
This obligation arises from the regulatory framework established by Law 4557/2018 and the relevant Decision No. 281/5/17.03.2009 of the Banking and Credit Committee of the Bank of Greece, in accordance with the applicable regulations in the European Union and internationally.
Our bank, like all banks, is obliged to implement the provisions of the applicable legislation. That's why we request your information both at the beginning and during our banking relationship, e.g. when you want to start your banking relationship with us or make a transaction.
You can open an account adding your children as joint holders by submitting the necessary supporting documents, as well as a solemn declaration certified by a KEP, at the Optima branch that best suits you. Click here to see what these documents are.
IBAN is your International Bank Account Number. It has been created in accordance with the specifications of the European Committee for Banking Standards (ECBS).
Every bank account number can be converted into an IBAN by the bank where you have opened your account.
Optima bank participates in the Deposit Cover Scheme of the Hellenic Deposit & Investment Guarantee Fund (TEKE) (www.teke.gr). Your deposits are covered by TEKE for up to €100,000 per Individual and Banking Institution. Click here to find out more.
The maximum coverage limit for the total deposits of each depositor, with a credit institution covered by TEKE, is set at €100,000. If you have more deposits at the same credit institution, this limit applies to the total deposits held at the same credit institution, irrespective of number of deposits, their currency and location. In case of joint accounts, the limit of €100.000 applies to each depositor.
For the purpose of calculating the repayment, the credit balances with the bank shall be offset against all claims of the credit institution against the eligible depositor, if and to the extent that they have become due and payable on or before the date of default. Further information can be found at www.teke.gr.
If you already have an account with our bank, it is only a matter of a few minutes to open a time deposit that suits you. Feel free to contact or visit the branch that suits you best for more information. Click here to find out more about our time deposits.
You can be informed about the bank's commissions from the current price list posted on our website here.
When you start your cooperation with our bank at any Optima bank branch by opening an account, a free Optima bank Debit Mastercard is issued on the spot.
Simply visit an Optima bank branch and fill out an application. If you already have a deposit account with the bank, no additional documents are required.
When you have your card renewed and/or PIN reissued, you are charged according to the Bank's Basic Price List.
The daily cash withdrawal limit at our bank's ATMs or ATMs abroad is €1,000. If you wish, the daily withdrawal limit can be changed. The maximum withdrawal amount at the DIAS ATM network is €600 per day.
The daily purchase limit for debit cards is €2,000. If you wish, it can be changed.
Simply visit an Optima bank branch and fill out an application. We remain at your disposal for further information and assistance.
In order to apply for a credit card, you are required to provide the following documents:
You can find out about the credit card charges in the current Basic Price List which is posted on our website.
No. There is only a €3.00 fee in case of PIN reissue.
The cash withdrawal limit is equal to 50% of your credit limit with a maximum amount of €1,500.
You can make a payment on your credit card as follows:
After activating your card, you can use it both in Greece and abroad without having to take any additional action.
You can find out about your card balance/transactions:
To report loss/theft/non-receipt of a card, please call +30 210 8173000.
You can make a “PIN change” transaction in any ATM. In case yοu have forgotten your PIN and you need to have a PIN reissued, call +30 210 8173000. After receiving the new PIN, you will need to make an ATM transaction for the new PIN to be activated for purchases as well.
Your card is automatically renewed before it expires and sent to you at the address you have provided. To activate the new card you must call +30 210 8173000.
Contactless transactions are performed by cardholders themselves by simply approaching their card to the merchant's terminal as instructed.
The service concerns card transactions over the internet, which are performed following strong authentication of cardholders for enhanced security. The service is available at online shops that support it.
You don't need to do anything else, the bank has taken every necessary action to enable you to make your online transactions with your Optima bank debit or credit card.
If you have forgotten your password, please call us at 210-8173000.
No, there isn't any cost. With 3D secure, you ensure even greater security in your online transactions.
Visit any Optima bank branch that suits you, in order to update your details.
For your own security, the online purchase cannot take place without the mobile phone you have registered with our bank. Please try again when you have access to your mobile phone.
Sometimes you may not be asked to enter a security passcode. This may happen because:
If you are not customer of our bank, you can visit any of our branches that suits you and after opening an account and obtaining a debit card, your access to Optima e-banking will be activated.
If you are new customer, the prerequisites for your registration to Optima e-banking service are the start of a relationship with the bank and the provision of your email address and mobile number.
A business can be registered to Optima e-banking by its legal representative in any of our branches that suits you.
Optima bank's e-banking enables you to easily and quickly:
and perform several other important tasks that facilitate your daily transactions.
If you perform your transactions via Optima e-banking, you take advantage of the preferential pricing we offer. Learn about Electronic transactions price list.
In order to register and use the advanced e-banking services, you should have one of the following browsers installed on your device:
In order to login to Optima e-banking, you will need to enter the credentials (user ID and password) that will be provided by the bank.
To retrieve your credentials click on the link "Forgot your credentials?” and follow the steps described on the "Help" screen.
Specifically:
Call our customer service at +30 210 8173000, Monday to Sunday 08:00 – 22:00, in order to receive online a new temporary password to the mobile number you have provided to the bank or be reminded of your user ID, following your identity verification.
You can call our customer service at +30 210 8173000, Monday to Sunday 08:00 – 22:00, in order to reset your credentials.
According to the current regulatory framework (Law 4557/2018), the bank is obliged to keep complete, accurate and recent customer identification data, as well as the appropriate documents confirming these data.
For maximum security of your transactions, our systems use the latest technologies. Before using e-banking, it is important to be informed about the “Useful Security Information “ you will find on our website.
Before logging in, for your protection against malicious act, make sure that:
Make sure that the address displayed on your browser is the Optima bank address. You see a relevant lock icon, indicating that an official digital certificate has been issued.
You can, as long as you make sure you navigate to the Optima bank website and don't save your credentials (user ID and password). For maximum security, after using the e-banking service, we recommend deleting the temporary Internet files on the computer.
The bank will never request access to your accounts or credentials in any way (by phone or email). They are personal and must not be disclosed to anyone. Please do not reply to the email and delete or terminate the communication immediately.
E-mails that appear to come from the bank are often misspelled or poorly written and ask you to fill in details of your bank accounts and cards or e-banking access credentials. These are attempts to intercept your passwords and access your e-banking account. Do not follow links contained in emails or websites of third parties that lead you to websites that simulate the Optima bank's website and ask you to fill in details of your accounts, cards or your user credentials.
You can forward it to hello@optimabank.gr and then delete it from your inbox without any further action.
Log in to your e-banking account and check your transaction history. If you identify any suspicious transactions, contact us immediately. In any case, you can block the access by entering the password incorrectly 3 consecutive times in order to block your account.
Contact your telecommunications provider immediately in order to have your device disabled.
Change your email password immediately (especially if you have allowed access to your email through your mobile phone). Log in to your e-banking account and change your credentials (user ID and password).
Alternatively, you may temporarily block your credentials by entering a wrong password three consecutive times. You can easily unblock them online later by selecting "Forgot your credentials?".
All our branches have ATMs for your convenience. Find out here about our branch network.
At our ATMs you can make the following transactions:
Cash can be withdrawn from:
If your card has been withheld, please contact our 24/7 Customer Service immediately at +30 210 6244525 in order to report loss of your card and have a new one reissued.
To open an investment account with our bank, you must first open a deposit account unless you already have one. For more information, visit one of our branches that best suits you.
In addition to the deposit account, by signing the Investment Services Agreement and filling out the investment questionnaire you gain access to investment products and services.
Yes, you can create an investment account with joint holders. Joint account holders need to sign the Investment Services Agreement, fill out the investment questionnaire and provide supporting documents, required for their identification. The composition of the investment account must be the same as of the linked bank account.
For your convenience, we ought to keep your most recent information in our records. If they are outdated, you will need to visit one of our branches to update them with a simple and quick procedure. Click here to view details of the supporting documents you are required to provide.
You can open an investment account in the name of your children by providing the required supporting documents to the branch that best suits you. Click here to see what these documents are.
Optima bank participates in the Investment Services Guarantee Fund (www.syneggiitiko.gr). For more information, click here.
The investment account grants access to shares traded on the Athens, Cyprus, or international Stock Exchanges, bonds (Over-the-counter & exchange listed), Mutual Funds (managed by Optima asset management & the largest international firms), derivatives and structured products. Click here to find out more about investment products.
If you already have an investment account with our bank, it is only a matter of minutes to buy shares in any Mutual Fund you wish. For more information, you can contact or visit the branch that suits you best. Click here to find out more about Mutual Funds.
You can be informed about the bank's commissions from the current price list posted on our website here.
The obligation to collect electronic receipts in order to establish the income tax deduction applies to employees, pensioners and professional farmers.
According to the circular of the Ministry of Finance POL 1005/2017 the income tax deduction established by using electronic means of payment:
The following goods or services expenses:
The following expenses are excluded:
The maximum amount of expenses with electronic means of payment is set at 30% taxpayer's income. More specifically, 10% up to 10,000 euros, 15% from 15,000 to 30,000 euros and 20% for higher income.
Every month the tax authority receives from the bank aggregated transaction data relating to electronic payments for purchases of goods and services per Tax Identification Number for the purpose of the income tax deduction. Soon the bank will provide you with a tool that will allow you to calculate online your income tax deduction, as well as the amount remaining until the minimum amount of electronic payments is reached.
University students can apply to become a part of the trainee program of Optima bank through the NSRF project. You can find out more about trainee positions available at Optima bank through the NSRF program, here.
Once you send your CV to cv@optimabank.gr, you will receive an automated message confirming that your CV has been received.
CVs are stored in our database for 1 year.
In the document "Information of the Customers of Optima bank S.A. on the Processing of Personal Data in accordance with the General Data Protection Regulation (GDPR)" you may find all the necessary information regarding the processing of your personal data on behalf of the bank.
Make sure that you describe your complaint accurately and clearly, explain to us the problem that has arisen and/or why you have been dissatisfied. Don't forget to attach any supporting documents related to the case, and provide your full personal information (name, father's name, Tax Identification Number and contact details, such as contact phone number, email address, postal address).
We do our best to respond to your complaint as soon as possible and in any case within the time frame set out by the applicable regulatory framework.
If you are not satisfied with the answer you received from the bank, you can contact the Hellenic Financial Ombudsman.
Can we help you? Do you have any questions?
Please call us or send us an e-mail.