Optima bank S.A. products, services and reviews
Rating, reviews, address, contact info, branches, phone numbers, fixed deposits, savings and card accounts offered by Optima bank S.A.
3.80%
Annual fee
Free
Cashback
No
Annual fee
Free
Cashback
No
Interest rates up to 3.80%
Open and manage directly on PickTheBank Platform
Terms from 3 months to 5 years
Annual interest payments
Protected by Deposit Guarantee System up to 100.000 EUR
Optima bank S.A.
4.1
Greece
Credit ratings
Deposit Guarantee Scheme (DGS)
Deposit Guarantee Scheme (DGS) member. Deposits up to €100k per person are covered
S&P
-
Moody’s
-
Fitch
-
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.
Optima bank S.A. Deposit guarantee scheme participation
Optima bank S.A. participates in the deposit guarantee scheme of Greece which applies to all deposit accounts made by natural persons, legal entities and covers up to up to 100,000 EUR (or equivalent in local currency) per bank per depositor.
Optima bank S.A. Countries of operations
Optima bank S.A. offers their savings products in
Products offered by Optima bank S.A. and interest rates
Optima bank S.A. offers 0 deposits and 0 savings accounts in .
Best interest rates in Greece
Loans offered by Optima bank S.A.
There are no products yet
You may also like
Lidion Bank
Malta
Lidion Bank
Malta
Lidion Bank
Malta
Greece's fastest-growing bank
Optima bank is the newcomer of the Greek banking scene. It took its current form in 2019, when the former Investment Bank of Greece was acquired and relaunched under new ownership, and by 2023 it had grown quickly enough to list on the Athens Stock Exchange — the first Greek bank IPO in well over a decade. The bank deliberately keeps its footprint light: a modest branch network in the main cities, heavy emphasis on digital service, and a focus on businesses and affluent private clients.
What that means for savers
Challenger banks fund their growth with deposits, and Optima has generally priced its term deposits above the big four Greek banks. Current offers are not always listed on PickTheBank, so it is worth checking both the bank's own pricing and the comparison table for Greece, where euro term deposits from across the EU can be weighed side by side.
Protection
Optima bank is a fully licensed Greek credit institution, supervised by the Bank of Greece, and deposits are covered by the Hellenic Deposit and Investment Guarantee Fund (TEKE) up to €100,000 per depositor.
Worth knowing
Accounts open quickly, onboarding is digital, and the bank has built a reputation for fast, personal service — one of the reasons it keeps winning Greek banking awards. For savers, treat it the way you would any fast-growing challenger: enjoy the pricing, stay inside the guarantee limit.
Bank identifiers
BIC number
IBOGGRAA
Name
Optima bank S.A.
Country
Greece