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Questions & answers

How do I install the Piraeus app?

Download the Piraeus app from App Store (iOS) or Google Play Store (Android) or App Gallery (Huawei) by typing Piraeus app and click Get (iOS) or Install (Android) or Install (Huawei).

I forgot / blocked my Piraeus e-banking password

If you have activated the SMS extraPIN feature and you know your username but don't remember your password, you can reissue your password by starting the process from here.

In any case, password reissuance continues to be provided through the bank's branch network.

Which credit cards are available via Piraeus e-banking?

For the features in detail, please select the credit card you are interested in.

How do I get a Piraeus e-loan?

In 3 simple steps
1. Design your loan

Through the specially designed tool you select:

  • loan amount
  • duration of the loan
  • loan rate
2. Register your application at any time
  • Confirm your basic personal and professional information
  • Attach the necessary supporting documents
  • Complete the registration of the application
3. Loan disbursement
  • Your application is assessed by the bank
  • Once the application is approved, you sign the contract documents with an approved electronic signature (OTC)
  • The money is credited to your account

Find the detailed steps of the e-loan acquisition process here.

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Perform transactions instantly and securely with Piraeus e-banking from your computer or mobile phone.
Individuals Business
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Digital Onboarding

Piraeus business e-loan

Get the liquidity you need for your business online.

LOAN AMOUNT

€7,000 - €30,000

LOAN TENOR

Indefinite or up to 5

years depending on the loan type

INTEREST RATE

BLR

plus zero spread

TYPE OF INTEREST RATE

Variable

Get it

Online

Working Capital with preferential terms, which can be obtained through Piraeus e-banking, without visiting a branch. Choose between Piraeus Open Business e-Working Capital for recurring needs and Piraeus Business e-Working Capital for one-off disbursement. By submitting your application online, you contribute to saving paper and reducing your environmental footprint.

Benefits

  • Updates at all stages of the process
  • Easy and fast process
  • Protection of the environment
Product details

Why this working capital?

The Piraeus business e-loan offers you the following benefits:

Convenience

With business e-loan your application is completed without the need for you to be present at the branch.

Loan Term

You can choose between open-ended or fixed-term financing depending on your financing needs. 

Automated disbursement

With business e-loan, your money is automatically credited to the account you have selected when you apply or to the account of the limit for immediate use.

Loan amount

Wide range of financing from €30,000.

Questions and answers

How can I get the Piraeus business e-loan?

The product is available exclusively online, through Piraeus e-banking.

Basic steps of Piraeus business e-loan process:

1. Loan configuration using a calculator

You choose the product, the amount and the repayment period and see how the installment and repayment terms of the financing are formed.

2. Application

Fill in and confirm the company and personal details that will be requested, attach the necessary supporting documents and submit your application. If there are guarantors, their acceptance and document submission is expected in order to finalize the submission and start the processing of the application by the bank.

  • Freelancers and Individual Businesses (Natural Persons): Indicate whether you wish to add a guarantor to your application.
  • Other types of Businesses (Legal Entities): Those involved in the business are automatically added as guarantors to your application.

3. Credit evaluation

The bank receives the loan request, it proceeds with its evaluation and you receive notification of its result via e-mail notification to the email you have registered with the bank.

The loan is granted based on the current credit criteria of Piraeus Bank.

4. Contract signing

If your application is approved, the loan contract is signed by the borrower and, if any, by the guarantors, with an authorized electronic signature (OTC). This certificate is provided to you free of charge, by an Authorized Trust Service Provider cooperating with the bank, following your relevant request that you submit at the time you are asked to sign the contract.

After signing the contract, you will be able to access the relevant file through Piraeus e-banking.

How do I find out about the progress of my loan?

You will be fully informed at all stages of the process, via e-mail to the address you have registered with Piraeus Bank. The loan contract, as well as all necessary forms will be available through Piraeus e-banking.

Ready to take the next step?

We are at your disposal to support you in all steps of the process. 

 

Tip: Prepare by looking at the required conditions and documents you will need.

Book an appointmentApply online

Need more information?

Book an appointment

Via e-appointment in Piraeus-app.

Piraeus Phone Banking

Carry out banking transactions via Piraeus Phone Banking.

Troubleshooting

Useful information, articles and guides.

Update your personal data

Find all supporting documents for every transaction and product.
Product details
  • Loan features
  • Conditions and documents
  • Yellow Business Rewards Program
Amount of funding
€7,000 - €30,000
Duration
  • Piraeus Open Business e-loan: indefinite with annual review
  • Piraeus Business e-loan: up to 5 years
Currency
Euro
Interest rate
Variable interest rate, based on the Base Lending Rate (BLR) of Piraeus Bank plus zero spread.
Interest rate notes
Interest rates are also subject to the Law 128/1975 levy, which currently stands to 0.60%.
Disbursement

Piraeus Open Business e-loan

  • The loan is disbursed during bank's working days and hours.
  • Funds are automatically credited to the account you selected when applying.

Piraeus Business e-loan

The funds appear in the limit account for immediate use.

Collaterals
No collateral.
Repayment
  • Piraeus Open Business e-loan: minimum monthly payment of 5% (interest and principal) on each balance
  • Piraeus Business e-loan: equal monthly installments including capital and interest
Notes
The amount of the limit is determined by the turnover and transaction volume of each business.
Basic conditions

The Piraeus business e-loan is addressed to small and medium-sized enterprises and freelancers, active Piraeus e-banking users, aged 25 to 65 (at the end of the loan or the annual review of the limit) with the following conditions:

  • The applicant declares permanent residence in Greece and the companies involved are based in Greece
  • Those involved in the application possess a Greek identity card, maintain a unique tax residence in Greece and are not US citizens or taxpayers and have a Greek tax identification number
  • They own an active business / sight account that can be used to serve the loan (for Term Loans)
  • In case of Legal Entities, there is a Legalization in force, with full jurisdiction in the name of the applicant
  • There is no other pending Piraeus business e-loan application
Documents
Documents: Accounting books
Β'category Γ'category
Insurance clearance ✓ ✓
Ε3 declaration of the last 3 years ✓
Ε1 declaration or Tax return form of application & guarantors ✓ ✓
Recent ENFIA return form of application & guarantors ✓ ✓
Periodic VAT declarations of the current and previous year ✓
Balance sheets of the last 4 financial years and consolidated financial statements (if available) ✓
Recent tertiary balance sheet and equivalent of previous year ✓
Final tertiary closing balance sheet of the last available balance sheet ✓
Tertiary balance sheet (31/12) of the last fiscal year, if no balance sheet has been issued ✓

Earn by collecting yellows

The members of Yellow Business earn 50,000 yellows with the disbursement of the business e-loan*. The yellows will be credited to the Yellow Rewards Program member's account, up to 45 days after the loan is disbursed.

Conditions:

1. You are a member of the yellow business loyalty program, that is:

  • Registration in Yellow Rewards Program
  • The possession, in case of a Sole Proprietorship or Self-employed, of a Business Credit or Business Debit Card, while, in the case of a company / Legal Entity, a Business Debit Card

2.  Βe an active member of the Yellow Business Rewards Program at the time of the rewarding, in accordance with the program terms.

 

*Terms and conditions

Necessary conditions for the Member to win the yellows are:

(a) be or become a Yellow Business Rewards Program Member, i.e., be a Yellow Member and have or obtain a Business Debit Corporate Debit Card or Business Credit Business Credit Card.

b) be an active Member of the Yellow Business Rewards Program at the time the yellows are redeemed, in accordance with the Program Terms and Conditions.


Issuance of yellows:

  • The yellows will be posted to the Yellow Rewards Program Member's account up to 45 days after the loan is disbursed.

More information

Card offers

Card offers

Find out about the gifts, discounts and privileges of Piraeus Bank cards.
Read more
Smart Payments

Digital Wallets

Make your transactions with your mobile phone or smartwatch.
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Relevant products

Piraeus Open Business Working Capital

Working capital

Piraeus Open Business Working Capital

Open working capital available whenever you want through your bank account with interest only payment and only for the capital you have used.
Prefunding of interest-free POS* installments

Working capital

Prefunding of interest-free POS* installments

Working capital financing for the prepayment of interest-free installments from sales via epay POS. This applies to businesses that have a contract for the acceptance and clearance of payments/provision of electronic collection services (epay POS* / epay eCommerce*).

We are here for you

We will be happy to inform you thoroughly about our products and services. Visit us in one of our branches or contact us by phone to guide you according to your needs.

Do you need help?