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Deposit Rates

Deposit Rates

Deposit Accounts in Euro

Savings Accounts & Pangritios Account (not available)

Deposit Amount

 Interest Rate

AATR*
1 - 3.000 0,10% 0,085%
3.000,01 - 30.000 0,10% 0,085%
30.000,01 - 100.000 0,20% 0,170%
100.000,01 - 200.000 0,30% 0,255%
200.000,01 and above 0,40% 0,340%


Sight Accounts

Deposit Amount

 Interest Rate

AATR*
1 - 3.000 0,00% 0,00%
3.000,01 - 30.000 0,00% 0,00%
30.000,01 - 100.000 0,00% 0,00%
100.000,01 and above 0,00% 0,00%


Payroll account ''YPEREHO''

Deposit Amount

 Interest Rate AATR*
 1 - 3.000 0,50% 0,426%
 3.000,01 -  30.000 0,10% 0,085%
30.000,01 - 100.000 0,20% 0,170%
100.000,01 - 200.000 0,30% 0,255%
200.000,01 and above 0,40% 0,340%


Dinamiko Ksekinima  

Deposit Amount

 Interest Rate AATR*
0 - 2.000 0,75% 0,638%
2.000,01 and above 0,20% 0,170%

 

Apotamieftiko gia to paidi

Deposit Amount

 Interest Rate AATR*
1 - 3.000 0,50% 0,426%
3.000,01 and above 0,70% 0,596%


Wealth Portfolio Servicing Accounts - Sight / Savings 

Deposit Amount

 Interest Rate AATR*
regardless of amount  0,10% 0,085%

 

* The Annual Actual Total Return (AATR), is calculated with the following assumption: For one (1) year (365 days) the deposit amount and the interest rate remain unchanged and the interest of the semester is not withdrawn (or one month in the cases of monthly compounding). As a final result, S.E.P.A. is reflected in the said deposit accounts with the above percentages, after the taxation of the interest (from 1/1/2013, with 15%) and the semi-annual compounding (or monthly compound interest if the product is compounded monthly).

 

  • For all the above deposit accounts the interest is calculated based on the daily available balance. 
  • For savings, Pagritios and Sight accounts the related interest rate is applied to the entire amount of the deposit (Tiered)
  • For payroll account “YPEREΗO”, the interest is calculated based on the daily available balance and on the amount that corresponds to each scale with the applicable rate
  • Time basis for interest calculation: year of 365 days

Deposit Accounts in Foreign Currency

 

Sight / Savings Account in USD

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,01% 0,01%
50.000,01 - 300.000 0,03% 0,03%
300.000,01 and above 0,05% 0,04%

 

Sight / Savings Account in GBP

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,01% 0,01%
50.000,01 - 300.000 0,03% 0,03%
300.000,01 and above 0,05% 0,04%

 

Sight / Savings Account in AUD

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,01% 0,01%
50.000,01 - 300.000 0,03% 0,03%
300.000,01 and above 0,05% 0,04%

 

Sight / Savings Account in CAD

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,01% 0,01%
50.000,01 - 300.000 0,03% 0,03%
300.000,01 and above 0,05% 0,04%

 

Sight / Savings Account in NOK

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,00% 0,00%
50.000,01 - 300.000 0,00% 0,00%
300.000,01 and above 0,00% 0,00%

 

Sight / Savings Account in SEK

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,00% 0,00%
50.000,01 - 300.000 0,00% 0,00%
300.000,01 and above 0,00% 0,00%

 

Sight / Savings Account in CHF 

Deposit Amount

 Interest Rate

AATR*
1 - 50.000 0,00% 0,00%
50.000,01 - 300.000 0,00% 0,00%
300.000,01 and above 0,00% 0,00%

 

* The Annual Actual Total Return (AATR), is calculated with the following assumption: For one (1) year (365 days) the deposit amount and the interest rate remain unchanged and the interest of the semester is not withdrawn (or one month in the cases of monthly compounding). As a final result, S.E.P.A. is reflected in the said deposit accounts with the above percentages, after the taxation of the interest (from 1/1/2013, with 15%) and the semi-annual compounding (or monthly compound interest if the product is compounded monthly).

 

For all the above deposit accounts the interest is calculated based on the daily available balance. 

Term Deposits

Term Deposit

  • From 1 up to 24 months

  • Ne­go­tiable In­ter­est Rate

The Annual Actual Total Return (AATR) is cal­cu­lated with the fol­low­ing as­sump­tion:
For one (1) year (365 days), the de­posit amount and the in­ter­est rate re­main unchanged and the inter­est of the semester (or one month in the cases of monthly compounding) is not with­drawn. As a re­sult, S.E.P.A. is reflected in the said de­posit ac­counts with the above percentages, after taxation of the in­ter­est (from 1/1/2013, with 15%) and the semiannual com­pounding (or monthly compound interest if the product is compounded monthly).

In­ter­est is cal­cu­lated on the avail­able daily bal­ance.

 

Term Deposit @ a click

  • Minimum deposit amount 5,000
  • Offered in Euro (€), US Dollars ($) and British Pound (£)
  • Available via Digital Banking only

Euro

Amount (€) / Duration

7 days

1 month

3 months

6 months

12 months

5,000 – 25,000

0.35%

0.65%

0.80%

0.85%

1.10%

25,001 – 50,000

0.35%

0.70%

0.85%

0.90%

1.20%

US Dollar

Amount ($) / Duration

7 days

1 month

3 months

6 months

12 months

5,000 – 50,000

1.50%

2.60%

3.35%

3.35%

3.35%

British Pound

Amount (£) / Duration

7 days

1 month

3 months

6 months

12 months

5,000 – 50,000

1.50%

2.60%

3.35%

3.35%

3.35%

Note: The interest on deposits is subject to taxation according to the current legislation (currently 15%).

Term Deposit Step Plus

  • Available to Natural persons for new* funds from €10,000 and above
  • Term deposit of 6 or12 months duration with monthly interest payment

Step Plus 6Μ

Interest rate per month 

Amount (€) / Duration 1st - 2nd 3rd - 4th 5th - 6th Average  AATR**
10,000 and above 2.00% 2.50% 3.00% 2.50% 2.14%


Step Plus 12Μ

Interest rate per month 

Amount (€) / Duration 1st - 3rd 4th - 6th 7th - 9th 10th - 12th Average   AATR**
 10,000 and above 2.00% 2.25% 2.50% 2.75% 2.38% 2.02%

 

*New funds are defined as amounts that did not exist in Pancreta Bank accounts before 15/04/2024. The customer must have a higher total balance to receive the interest rate. 

**  The Annual Actual Total Return (AATR) is cal­cu­lated with the fol­low­ing as­sump­tion:
For one (1) year (365 days), the de­posit amount and the in­ter­est rate re­main unchanged and the inter­est of the semester (or one month in the cases of monthly compounding) is not with­drawn. As a re­sult, S.E.P.A. is reflected in the said de­posit ac­counts with the above percentages, after taxation of the in­ter­est (from 1/1/2013, with 15%) and the semiannual com­pounding (or monthly compound interest if the product is compounded monthly).