Reward Personal Loan

With a Reward loan, you get the sum you need to pay your obligations or fund your dreams. Every six months, we reward your good loan repayment record and offer you a discount on your rate.

You can also:

Borrow more than €2,000
Repay the loan in 7 years
Get rewarded for your good loan repayment record every six months

In brief:

Funding your needs
Long repayment term
Reduced interest rate every six months

Make it yours in just a few steps

I want a Reward loan

Do you want more information?

How much money can I borrow?

The minimum loan amount is €2,000.

How can I repay my monthly loan repayments?

You can pay by monthly amortization installments, starting one month after the loan disbursement and payable via the borrower's designated loan-linked Deposit Account with NBG.

How does the Bank notify me about my installments, loan rate, and other details?

The Bank sends you a monthly notification regarding your housing loan, remaining principal, remaining installments, the interest rate on outstanding amounts, etc. Moreover, if you're using NBG Internet Banking, you can register with i-bank statements and receive notifications via email.

What is the interest rate of the loan?

The loan is available at a floating rate, based on the 3Μ Euribor, subject to a minimum equal to the ECB's intervention rate, plus a fixed margin rate throughout the entire loan term. Please note that the floating rate fluctuates in line with any increase or decrease in the base rate, which will impact your monthly installments accordingly. The floating rate also includes the levy required under Law 128/75, currently 0.60%.

For further details about the loan rate and expenses, click here.

Can I make an early repayment?

Yes, you can make an early or partial repayment at any time without any additional charge.

Much more than getting a personal loan

Designed to meet your needs

i-bank statements

You can register for i-bank statements and get an email informing you every time a loan statement is issued.

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Go For More rewards

For even more rewards, sign up for Go For More and gain even more points when you pay your loan installments in time.

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More digital capabilities for you

Download the NBG Mobile Banking app

The NBG Mobile app gives you a host of benefits, from bill payments and shopping to transactions and managing your housing loan. Download the app to your iPhone or Android and simplify your transactions.

Before you start

Required documentation

To get the loan you want, you need to notify us of your personal details. Depending on your nationality, we will need your ID card, passport, and/or valid foreigner's residence permit.

Income verification

You get a loan with the obligation to repay it. So, we will need your latest income tax statement and documentation certifying your professional status, such as employer's certificate and/or a copy of the latest salary statement and document evidencing your VAT status. If you're a pensioner, you need to submit your latest pension payment slip.

Loan limitations

To get the loan you want, please help us evaluate your application properly. Please answer all our questions accurately and submit all the necessary documentation.

About your loan application

Your first visit

You need to visit one of our branches and submit the necessary documentation and your application to start the process.

Next steps

If your application is approved, you will visit your NBG branch to sign the contract and then we will disburse the loan amount to your account.

i-bank statements

Once the loan is disbursed, you can register for i-bank statements and get an email each time a loan statement is issued.

Our customer service team is here for you

We're always ready to help

Our highly trained team is waiting to answer any questions you may have, in person or by phone.