EXPRESS Personal Loan

Get a loan in just a few simple steps from your mobile phone or PC and meet your needs instantly.

Get access to cash the moment you need it.

You can apply online or via Mobile Banking without having to visit a physical branch and get instantly up to €6,000 in cash to cover all your current needs.

I apply online

I have easy and fast process

I choose loan features according to my needs

I have immediate updates about the outcome of the application

I apply online

I have easy and fast process

I choose loan features according to my needs

I have immediate updates about the outcome of the application

Digital Banking on your computer, tablet, and mobile

I shop online, from wherever I may be

I save time by making digital transactions

I can access my transactions at any time

I have an overall picture of my banking affairs

I can manage my finances at a glance

I can see my income/expenses totals

EXPRESS loan in a few steps

User login

If you have a user account, log in to Digital Banking and from the home page go to “Loans” and choose “Get now”.

Confirm data

Next, confirm your employment, home address, identity and tax information (by uploading your most recent tax return form).

Choose amount

Then choose the amount you wish to apply for, the repayment period in months, and the bank account that’ll be linked to the loan for its repayment.

Accept information notice

Then you read the relevant information on the loan and accept it.

Enter further data

For this step, you should enter some additional details and confirm.

Accept terms

Then you receive information about and accept the terms and conditions of your application.

Enter OTP

Now confirm the application details and enter the OTP to complete the process.

Finish

Once you’ve completed the transaction, you can print a confirmation receipt.

Do you want more information?

How do I repay my loan installments?

You pay every month, starting one month after the loan disbursement. Your installment is paid on the same date, every month, automatically through your NBG bank account.

How does the bank notify me about my installments, interest rate, etc.?

Every month you receive a statement, informing you about your loan installments, your interest rate, the outstanding balance and so on. Also, if you’re an Internet Banking user, you can sign up for the i-bank statements service and receive e-mail alerts about your upcoming statements.

What is the interest rate?

The interest rate is floating based on Euribor (depending on the European Central Bank's intervention rate), plus a fixed margin.

Bear in mind that the floating interest rate is subject to changes in line with any increase or decrease in Euribor and this may lead to an increase or a decrease in your monthly payments. Moreover, the interest rate is subject to a levy under L.128/75, currently amounting to 0.60%.

Click here, to find out more about the loan interest rate and charges.

Can I repay my loan earlier?

Yes, you can repay the whole loan or part of it earlier, without any extra charges.

How much money can I borrow?

EXPRESS loan allows you to borrow from €300 to €6,000.

What supporting documents may I need?

Identity card or passport
Your ID card or passport must be valid, printed and in Greek. Tell me more
Income Tax Clearance Certificate
The income tax slip clearance certificate of the last two years.
Proof of occupation
Your employer's certificate and/or copy of your latest salary statement if you’re employed in the private sector. Υour latest pension payment slip if you are a pensioner, and a document evidencing your VAT status if you’re a freelancer/sole proprietor.
Possibly utility bill
Possibly utility bill confirming your address