Lending Rates

Loan Rates for Businesses

Description Interest Rate
Validity Date
Base Short-Term Loan Rate (BLR)
 
8,25%		  
01.09.13
Base Short-Term Loan Rate/Working Capital
  
9,25%		  
16.08.11
Preferential Short-Term Loan Rate (PLR)
  
8,90%		  
16.08.11
Preferential Short-Term Loan Rate/Working Capital
  
7,90%		  
01.09.13
Base Medium-Long Term Loan Rate (BMLR)
  
9,20%		  
29.04.11
Professional/Business Premises Loan Rate (BBR)
  
8,50%		  
26.02.10

These interest rates are subject to a spread. Base & Preferential Short-Term Loan Rates are subject to a minimum positive spread of 0 and a maximum of 5 units for revolving loans and/or non-revolving loans in euro or foreign currency.

These interest rates are also subject to the Law 128/1975 levy.

Mortgage Loan Rates

Description Interest Rate
Validity Date
Base Mortgage Rate (BMR)
  
5,55%		  
15.09.11
Preferential Mortgage Interest Rate
  
5,25% 		 
15.09.11

Interest rates for Mortgage Loans for Individuals and for the purposes of a House Purchase / Construction /
Repair or Land Purchase

Description Interest Rate
Validity Date
Floating rate Loan
  
Euribor 1M + spread(1)(2) from 1.65% - 2.95%		  
18.06.2024
Fixed 3/5/10/15/20/25/30 year Rate Loan
  
Fixed Rate (1)(2) from 2.85% - 5.00%		  
18.06.2024
Exoikonomο 2021
  
Fixed Rate(3) 6.50%		  
28.02.2023
Green Home
repair/renovation floating rate Loan with Collateral
  
Euribor 1M + spread(1)(2) reduced by 0.15%
from 1.50% - 2.55%		  
18.06.2024
Green Home floating rate Loan
  
Euribor 1M + spread(1) reduced by 0.15%
from 1.50% - 2.80%

  
18.06.2024
Green Home fixed rate Loan
  
Fixed Rate reduced by 0.15%(1)
from 2.70% - 4.85%

 
18.06.2024
Mortgage Loan in EUR as a Foreign Currency
  
Euribor 1M + spread(1)
from 1.85% - 3.10%

 
18.06.2024
Mortgage Loan in Foreign Currency
  
USD Sofr /CHF Saron / GBP Sonia
1M + spread (1)
from 1.90 % - 3.00%

 
18.06.2024


(1) The above mentioned maximum rates/spreads are indicative. The final floating interest rate is specified by the assessment of the loan application, in accordance with the Bank’s credit policy, taking into consideration factors such as conduct, collateral, amount and duration of the loan and it is enclosed to pre-contractual information forms. Home mortgage loans are charged with the contribution of L. 128 / 75 (0,12%).

(2) The interest rate is increased by 1% when the financing / collateral property is commercial. Commercial property mortgage loans are charged with the contribution of L. 128 / 75 (0,60%).

(3) The rate is 100% subsidized for all the incentives’ categories, excluding the contribution of L. 128/75.

Personal Loan Rates

Description Interest Rate
Validity Date
Base Personal Loan Rate (BCR)
  
11,10%		  
15.09.11
Base Open Personal Loan Rate (BOCR)
  
10,50% 		 
03.06.11
Personal Loan - Variable Rate*
  
From 10,95% to 13,55%		  
15.09.11
Personal Loan - Fixed Rate
  
From 12,20% to 14,50%		  
19.08.11

*The interest rate for these products is calculated based on the customer’s profile and credit rating.



Description Interest Rate
Validity Date
Piraeus e-loan
 
10,95%		  
13.06.18
Consumer loan for new homeowners expenses
  
Interest Rate 9,90% (Fixed)		  
27.06.24
Open Personal & Personal Loan with Deposit/Investment Portfolio
as Collateral
  
Euribor 1M + spread***		  
30.07.07
Personal Loan “Kinisi Akinitou”
  
Euribor 1M + spread		  
30.01.13
Knowledge & Skills Consumer Loan*
  
11,85%		  
03.06.11
Green Consumer Loan*
  
8,75%		  
03.06.11
Consumer Loan for Taxes & Dues to the State
  
9,95%		  
03.06.11

Overdraft Limit Interest Rate
Validity Date
Piraeus Payroll Account*
  
13,55%		  
03.06.11
Piraeus Pensioners & Civil Servants Payroll Account*
  
13,55%		  
03.06.11
Multi-Purpose Accounts*
  
13,95%		  
03.06.11
Personal Banking Account*
  
12,60%		  
03.06.11
Cash Manager Account*
  
            13,60%            		  
03.06.11

Euribor 1M is the Euribor 1 month rate for 365 days.

These interest rates are also subject to the Law 128/1975 levy.

*The interest rate is linked to the Base Personal Loan Rate (BCR)
**The interest rate is linked to the Base Open Personal Loan Rate (BOCR)
***The spread depends on the type of collateral and its returns

Farmer Interest Rates

Description Interest Rate
Validity Date
Base Farmer Rate
  
7,10%
  
15.09.11


This interest rate is also subject to the Law 128/1975 levy.

Credit Card Interest Rates

Description Rate for Purchases
Rate for Cash Advances
Validity Date
Piraeus Visa Classic
  
15,95%		  
19,15%		  
01.11.13
Piraeus Visa Gold
  
15,95% 		 
18,65% 		 
01.11.13
Piraeus Mastercard
  
15,95% 		 
19,15% 		 
01.11.13
Piraeus Visa Electron
  
15,95% 		 
18,90% 		 
01.11.13
University Visa
  
15,95% 		 
18,65% 		 
01.11.13
Miles & More Visa
  
15,95% 		 
19,40% 		 
21.06.24
Miles & More Visa Gold
  
15,95% 		 
17,70% 		 
21.06.24
AB Plus Mastercard Credit
  
15,95% 		 
19,15% 		 
02.02.14
Champions Card Mastercard
  
15,95% 		 
19,15% 		 
01.11.13
Panathinaikos F.C. Visa Classic
  
15,95% 		 
19,15% 		 
01.11.13
Panathinaikos F.C. Visa Gold
  
15,95% 		 
18,65% 		 
01.11.13
Olympiacos B.C. World Mastercard
  
15,95% 		 
19,15% 		 
15.10.13
Olympiacos B.C. World Mastercard Gold
  
15,95% 		 
19,15% 		 
15.10.13
Olympiacos F.C. Mastercard
  
15,95% 		 
19,15% 		 
09.04.14
Olympiacos F.C. Mastercard Gold
  
15,95% 		 
19,15% 		 
09.04.14
Aris B.C. Mastercard
  
15,95% 		 
19,15% 		 
09.09.14
Piraeus Life Card Visa
  
15,95% 		 
18,95% 		 
01.11.13
Piraeus Visa Infinite
  
9,90% 		 
18,65% 		 
01.11.13
OFI F.C. Visa
  
15,95% 		 
18,95% 		 
20.06.19
Olympiacos B.C. Visa
  
15,95% 		 
19,15% 		 
20.02.24
Olympiacos B.C. Visa Gold
  
15,95% 		 
19,15% 		 
20.02.24
Olympiacos F.C. Visa
  
15,95% 		 
19,15% 		 
20.02.24
Olympiacos F.C. Visa Gold
  
15,95% 		 
19,15% 		 
20.02.24

These interest rates are also subject to the Law 128/1975 levy.