Compare Bank Accounts in Greece

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What is a bank account in Greece?

A bank account (τραπεζικός λογαριασμός) — usually a current account with a debit card, IBAN and online banking — is the hub of everyday money in Greece. It receives your salary, pays bills and utilities, and links to cards for spending. Options span the four large Greek banks, smaller challengers, and app-based fintechs offering euro accounts to residents.

How the Greek market works

Greece's banking sector is dominated by four systemic banks — National Bank of Greece, Alpha Bank, Eurobank and Piraeus Bank — supported by smaller institutions such as Attica Bank and Optima Bank, and by fintechs like Revolut that passport EU accounts into the market. Digital onboarding via gov.gr identity verification and TAXISnet integration has made opening accounts online more common, and IRIS instant payments let people send money by phone number. A Greek IBAN is widely expected for salary, tax and utility direct debits.

Benefits

Everyday convenience — receive salary, pay bills by direct debit and use IRIS for instant transfers.

Card and digital access — a debit card plus mobile and web banking to manage money anywhere.

Deposit protection — balances covered up to €100,000 by the Greek guarantee scheme.

Local integration — a Greek IBAN links smoothly to gov.gr, tax and utility services.

Fee waivers — salary customers, students and pensioners often qualify for reduced or zero monthly charges.

How to choose

Compare monthly maintenance fees and how to waive them (often via a minimum balance or salary deposit), plus charges for transfers, ATM use outside the bank's network, and card issuance. Consider branch access if you need in-person service, the quality of the mobile app, and whether you want a full Greek bank or a fee-light fintech. If you rely on cash, check the free ATM network. For salary and official payments, a Greek IBAN is usually preferable.

Leading providers in Greece

Attica Bank, Alpha Bank, Piraeus Bank, Eurobank, National Bank of Greece and Optima Bank supply the domestic current accounts most residents use, differing on fees, branch reach and digital features. Revolut appeals to users wanting a free, app-first euro account with strong spending controls, though it is not a substitute for every local direct-debit need.

What it costs

Current accounts range from free — common with fintechs and fee-waived bank accounts — up to around €16 or so a month for packaged accounts, or where minimum-balance conditions are unmet. Additional charges may apply for out-of-network ATM withdrawals, international transfers and replacement cards. Many banks waive fees for salary customers, students or pensioners. Standardised fee-information documents let you compare packages directly, and many banks publish their full tariff (τιμολόγιο) online so you can check transfer, ATM and card charges before opening.

Protections and regulation

Banks are authorised and supervised by the Bank of Greece and, for systemic banks, the ECB. Deposits are protected by the Hellenic Deposit and Investment Guarantee Fund (TEKE) up to €100,000 per depositor, per bank. EU payment rules require Strong Customer Authentication and clear fee disclosure via a standardised fee information document.

Common questions

Can I open an account online? Increasingly yes, using gov.gr identity verification, though some banks still require a branch visit. Do I need a Greek IBAN? For salary, tax and most utility direct debits, a Greek IBAN is expected. How do I avoid monthly fees? Meet salary-deposit or minimum-balance conditions, or choose a free fintech account. What is IRIS? An instant payment service letting you send money by phone number between Greek accounts. Can non-residents open an account? Yes, with ID and supporting documents, though requirements and fees vary by bank.

Bank Accounts in Greece — FAQ