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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.
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Digital Onboarding

Personal Loan "Kinisi Akinitou"

Use your property to get the financing you need at preferential terms.

LOAN AMOUNT

€10,000 - €200,000

LΟΑΝ TENOR

6 - 240

months

INTEREST RATE

 Euribor 1M

plus a fixed spread of only 6.00%.

TYPE OF INTEREST RATE

Floating

Personal loan for homeowners seeking financing to meet their personal or consumer needs. Make the most of your property and secure the financing you want with preferential terms.

Benefits

  • Low interest rate
  • High amount of funding
  • Long repayment period
Product details

Why this personal loan?

The personal loan "Kinisi Akinitou" offers you the following benefits:

Low variable interest rate

Utilising your property you secure financing at a low interest rate linked to Euribor 1 month

Long Repayment Period

Duration that can reach up to 240 months for easy and comfortable repayment.

Repayment option

Full or partial, without charge.

Large amount of funding

Secure financing up to 200,000 to cover your personal or consumer needs.

Questions and answers

Is the mortgage lien compulsory?

Yes. In order to receive funding through the "Kinisi Akinitou" loan, it is necessary to provide a property as collateral.
This way you benefit from preferential terms such as high financing amount, long term and low interest rate.

Do I need to insure my property?

You will need to insure your mortgaged property against basic risks such as fire and earthquake. Make an appointment at a Piraeus branch and find out about the insurance packages offered on favorable terms.

How do I repay my loan instalments?

The instalments are paid each month automatically by debiting the account you have designated as your loan servicing account.

Can I make a partial or total repayment of my loan?

You can, upon request at a Bank branch, repay your loan either partially or in full without any charge.

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 appointment

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
  • Eligibility Criteria
  • Loan Documents
Amount of funding
€10,000 - €200,000 and up to 60% of the estimated value of the property.
Duration
6 - 240 months

Note:
The age of the borrower at the end of the loan cannot exceed 75 years.
Interest rate
Floating, based on the Euribor 1M rate plus a spread of 6.00%.
Interest rate notes
Interest rates are also subject to the Law 128/1975 levy, which currently stands to 0.60%.
Indicative example of an APR

Overall APR Example:

Overall APR for Personal Loan: 9.87% for €10,000, a total term of 72 months, €350 fees and variable nominal rate at 9,45%, which is the sum of the Euribor 1M 360 days (2.85% on 31/12/2024) plus 6.00% spread, plus the Law 128/1975 levy, currently at 0.6%.

APR notes

The APR is mentioned exclusively for example purposes and is derived only under the condition that the aforementioned data will exist.

Disbursement
One-off
Cost of examining the request

€350

They are collected when the loan is disbursed from the deposit account you have chosen as your servicing account.

You are also charged for expenses incurred by third parties for valuation, due diligence, court appearance and land registry.

Repayment

In monthly installments that pay off interest and capital.

The instalments are paid by standing order from your deposit account.

Early repayment option
Full or partial, at any time, without any charge.
Collateral
Pre-notation of property
Insurance coverages
  • Mandatory Fire and Earthquake insurance: You can insure your mortgaged property against Fire and Earthquake. Piraeus Bank offers low rates for this insurance policy. You pay the premiums monthly, along with the loan instalment.
  • Life and permanent total disability insurance: you are advised to get insured against the risk of loss of life or inability to work because of permanent total disability. This way your insurance will repay the remainder of the loan in case of an accident and your family and loved ones will not be financially burdened. Piraeus Bank offers low rates for this insurance policy.

The compensation guarantees that:

Your Personal Loan "Kinisi Akinitou" instalments will continue to be paid as normal for a set period.
Your insurance coverage will apply for the remainder of the plan, if you opt to continue it, even though you have fully or partially repaid the loan.

This form of insurance coverage provides compensation for:

  • Dismissal or temporary disability due to accident or illness, for full-time, private sector employees with a contract.
  • Hospital treatment and temporary disability due to accident or illness for freelance professionals, civil servants and part-time private sector employees with a contract.

The Payment Protection Plan comes as an option.

Notes:

In case of your inclusion for the coverage against the above-mentioned risks in the group insurance policy offered by the bank, the insurance costs are charged every month along with your loan installment.

 

Conditions

It is addressed to customers aged 18-70 years old (at the end of the loan), who:

  • declare permanent residence in Greece
  • have a tax residence in Greece
Necessary documents 

Identity card or valid passport

Proof of income as below:

For employees
  • Last year's statement of account
  • Latest payroll receipt or official pay slip from the company's accounting department (not handwritten), which should include detailed professional data - date of hiring, gross and net earnings, insurance deductions, tax
For pensioners
  • Last year's statement of account
  • Recent Pension Payment Statement
For freelancers
Tax returns for the last 2 years
Additional supporting documents

Additional documents may be requested on a case-by-case basis for the evaluation of the application.

Find out about the documents that you need to provide us in case you are either not a Piraeus Bank customer or you are a customer, and the certification documents you have provided us with are missing or may not be valid.

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.
Read more

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At whatever stage of your life you are in, take advantage of the preferential terms of the Consumer loan for Knowledge and Skills to cover the cost of your or your children's studies in Greece or abroad. With the Consumer loan for Knowledge and Skills we finance the costs of obtaining a degree or postgraduate qualification, attending, seminars, language learning courses or improving skills. In addition, we provide you with additional cash to cover for any expenses that may arise, such as rent, equipment, etc.
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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?