Optima bank S.A. products, services and reviews

About Optima bank S.A.

Optima Bank S.A. is a Greece-based credit institution offering a range of retail, SME and corporate banking services, including current and savings accounts, time deposits, consumer and mortgage loans, payment services and digital channels; it operates through branches and online platforms and is subject to Greek and EU banking regulation and supervision, with eligible deposits protected by the national deposit guarantee scheme up to the statutory limit. Product pricing, interest rates, fees and lending criteria vary by product and change with market conditions, so customers should review current terms and the bank’s published disclosures before committing; the bank also produces regulatory financial reports and disclosures for investors and stakeholders. Service delivery includes standard internet and mobile banking functions (transfers, bill payments, account alerts) and customer support via branch and telephone channels, with availability consistent with typical domestic banking practice. For businesses, offerings commonly cover working capital facilities, trade finance and structured lending tailored to medium and small enterprises, while risk and credit approval processes follow internal underwriting policies and applicable prudential rules. Potential clients assessing Optima Bank should compare its product features, costs and digital experience with other institutions and examine the latest financial statements and regulatory filings to evaluate capital, asset quality and operational performance.