Frequently Asked Questions

We offer a comprehensive range of accounts tailored to Greek banking needs:

• Current Account: For daily banking with debit card, online banking, and mobile app access
• Savings Account: Competitive interest rates with flexible access to your funds
• Student Account: Special benefits for students with reduced fees and educational resources
• Business Account: Comprehensive business banking with merchant services and business loans
• Premium Account: Exclusive benefits including personal banking, investment advisory, and priority service
• Foreign Currency Account: Hold and manage multiple currencies including USD, EUR, GBP

Our transparent fee structure includes:

• Current Account: €3/month maintenance fee, waived with minimum balance of €1,500
• Savings Account: No monthly fees, €2 for withdrawals exceeding 6 per month
• Student Account: Free for students under 26 with valid student ID
• Business Account: €15/month with 50 free transactions, additional transactions €0.50 each
• Premium Account: €25/month with unlimited transactions and premium services

ATM withdrawals are free at FBBank ATMs nationwide. Other bank ATMs charge €2 per transaction.

FBBank employs bank-grade security measures:

• 256-bit SSL encryption for all online transactions
• Two-factor authentication with SMS or mobile app verification
• Biometric login on mobile devices (fingerprint/face recognition)
• Real-time fraud monitoring with instant alerts
• Secure token system for high-value transactions
• Automatic logout after inactivity periods

We're compliant with EU PSD2 regulations and Greek banking security standards. Our systems are monitored 24/7 by cybersecurity specialists.

Yes! Our comprehensive digital platform allows you to:

• View account balances and transaction history
• Transfer money between accounts and to other banks
• Pay bills and schedule automatic payments
• Apply for loans and credit cards
• Manage investments and view portfolio performance
• Set up savings goals and track progress
• Chat with customer service representatives
• Locate ATMs and branch offices
• Download statements and tax documents

Available 24/7 through our website and mobile app in Greek and English.

For a FBBank mortgage, you'll need:

• Minimum down payment: 20% of property value
• Stable income: Employment for at least 2 years, income verification
• Credit history: Clean credit record in Greece or home country
• Debt-to-income ratio: Total monthly debt payments under 40% of gross income
• Property appraisal: Professional valuation by approved assessors
• Legal documentation: Property title, building permits, tax compliance certificates

Interest rates start from 3.5% (variable) or 4.2% (fixed). Loan terms up to 30 years. Special rates for energy-efficient homes and first-time buyers.

FBBank offers fast personal loan processing:

• Online pre-approval: Instant decision for amounts up to €15,000
• Full approval: 1-3 business days with complete documentation
• Fund disbursement: Same day for existing customers, next business day for new customers

Loan Features:

• Amounts from €1,000 to €50,000
• Terms from 12 to 84 months
• Competitive rates from 8.9% APR
• No hidden fees or early repayment penalties
• Flexible repayment options

We offer a comprehensive investment portfolio:

• Mutual Funds: Greek, European, and global funds with various risk profiles
• Government Bonds: Greek government bonds and EU sovereign debt
• Corporate Bonds: Investment-grade corporate securities
• Stock Trading: Athens Stock Exchange and international markets
• ETFs: Exchange-traded funds covering major indices
• Structured Products: Capital-protected and yield-enhancement products
• Retirement Plans: Private pension schemes and life insurance

Minimum investment starts from €500. Professional advisory services available for portfolios over €50,000.

Yes, FBBank offers comprehensive investment advisory:

• Personal Investment Consultation: One-on-one meetings with certified advisors
• Portfolio Management: Professional management of your investment portfolio
• Risk Assessment: Detailed risk profiling and investment suitability analysis
• Market Research: Regular market updates and investment recommendations
• Tax Planning: Guidance on tax-efficient investment strategies
• Retirement Planning: Long-term wealth accumulation strategies

Advisory fees start at 0.75% annually for managed portfolios. Initial consultation is complimentary for customers with €25,000+ in deposits.

FBBank offers multiple international transfer options:

• SWIFT Wire Transfers: Secure transfers to any bank worldwide, 1-3 business days
• SEPA Transfers: Same-day transfers within EU/EEA countries, low fees
• Online Money Transfer: Instant transfers through our digital platform
• Foreign Exchange: Competitive rates for currency conversion

Transfer Fees:

• SEPA transfers: €0.50
• EU wire transfers: €15
• International wire transfers: €25-45
• Currency conversion: 0.5-1.5% margin

Daily limits: €50,000 online, €100,000 in-branch. Higher limits available for business accounts.

Yes, FBBank cards work worldwide:

• Visa/Mastercard Network: Accepted at millions of merchants globally
• ATM Access: Withdraw cash from ATMs in 200+ countries
• Contactless Payments: Tap-to-pay functionality available worldwide
• Emergency Services: 24/7 card replacement and emergency cash services

International Usage Fees:

• EU transactions: No additional fees
• Non-EU transactions: 1.75% foreign exchange fee
• ATM withdrawals abroad: €3 + local ATM fees
• Emergency card replacement: €50

Notify us before traveling to avoid card blocks. Travel notifications can be set through online banking.

FBBank offers comprehensive business solutions:

• Business Accounts: Current accounts with multi-currency options
• Merchant Services: POS terminals, online payment processing
• Business Loans: Working capital, equipment financing, real estate loans
• Trade Finance: Letters of credit, trade guarantees, export financing
• Cash Management: Automated clearing, bulk payments, cash collection
• Payroll Services: Employee salary processing and benefits management
• Treasury Services: FX hedging, interest rate management

Dedicated relationship managers for businesses with annual turnover over €1 million.

Required documentation for business account opening:

• Company Registration: Certificate of incorporation from GEMI
• Tax Documents: AFM registration, VAT registration certificate
• Corporate Documents: Articles of association, board resolutions
• Authorized Signatories: ID documents and signature specimens
• Business Plan: For new companies or loan applications
• Financial Statements: Last 2 years (for existing businesses)

Account opening typically takes 3-5 business days. Initial deposit requirements vary by account type (€500-€5,000).