Optima bank S.A. products, services and reviews

About Optima bank S.A.

Optima bank S.A. is a Greek credit institution headquartered in Athens, created through the 2019 rebranding of Investment Bank of Greece following its acquisition by Ireon Investments; it operates under authorization from the Bank of Greece and within the EU Single Supervisory Mechanism framework, with deposits covered up to €100,000 per depositor by the Hellenic Deposit and Investment Guarantee Fund. The bank offers standard retail and business services, including current and savings accounts, term deposits, debit and credit cards on major schemes, domestic and cross-border payments (SEPA and SWIFT), consumer and mortgage lending, SME and corporate financing, trade finance, cash management, and MiFID-regulated investment services. Delivery is via a growing Greece-based branch network, online banking, and a mobile app that supports strong customer authentication in line with PSD2; product availability and specific features may vary by client segment, residency status, and compliance checks. Fees follow a published tariff schedule covering cards, account maintenance, payments, and currency conversion; exchange rates for card transactions generally follow scheme rates plus any bank margin, and international transfers can attract correspondent charges outside the SEPA area. Account opening typically requires standard KYC documentation (ID, proof of address, tax number, source of funds); in-branch onboarding is common and remote options may be limited depending on customer profile. As a domestically focused institution, Optima bank’s balance-sheet and earnings are closely tied to Greek economic conditions and interest-rate trends, and its smaller international footprint may mean fewer cross-border services than larger European banks, though it provides the core facilities needed for individuals and businesses operating in Greece. Customers should review the bank’s current terms, schedule of fees, and deposit protection details before opening an account or placing funds.