Hellenic Bank FAQ

To register, visit any Hellenic Bank branch and request Business Online Banking credentials. The bank will provide everything needed to get started. For further assistance, contact the Customer Contact Center at 8000 9999 or +357 22500500 (from abroad).

You can reset your password by clicking "Forgot my password" on the Online Banking login screen. You will need your username, ID or passport, and access to an email or phone number registered with the bank. Alternatively, contact the Customer Contact Center for assistance.

Yes, you can set up alerts via email or SMS for account balances, transactions, and money movements between your accounts. This service keeps you updated on your financial activities in real-time.

Hellenic Bank uses industry-standard encryption and security measures, such as usernames, passwords, and digiPIN devices, to protect your personal and financial data. Automatic time-outs and multi-step verification further enhance the security of your transactions.

No, for security reasons, you can only log in to your account from one device at a time. This ensures the highest level of protection for your business transactions and account data.

If you forget your username, contact the Customer Contact Center at 8000 9999 or +357 22500500 (from abroad). They will guide you through the process of recovering your username securely.

Yes, a digiPIN is required for most transactions, including transfers and payments. However, if you are transferring funds between your own accounts or to an already registered payee, the digiPIN is not needed.

Every 90 days, you will be asked to confirm your browser as trusted through an OTP (One-Time Passcode) sent via SMS or digiPIN device. This security measure is mandatory for all Cyprus banks to prevent fraud and enhance user security.

The Home Loan product is offered to individuals who are permanent residents of Cyprus. It is suitable for purchasing, constructing, or renovating a primary residence, as well as transferring an existing loan from another bank.

First-time homeowners may qualify for a discounted fixed interest rate on housing loans for the first 3 or 5 years. They can also receive a credit card with no subscription fee for the first year. Proof of not owning residential property in Cyprus is required.

You can apply via the Hellenic Bank Mobile App if you are an existing customer. Alternatively, you can submit your request online using the loan calculator, or schedule an in-person or online meeting with a bank representative.

The maximum loan amount is 80% of the property’s value. The remaining 20% can be paid upfront by the customer or financed by the bank through an additional mortgage on another property.

The maximum loan duration is 30 years, or until the borrower reaches the age of 65, whichever comes first.

Hellenic Bank’s base rates are calculated using the CBC Index, which is based on euro-denominated deposits. The average of the last three values forms the Reference Rate, and the Base Rate is adjusted quarterly.

For loans with fixed interest rates, early repayment may incur charges. There are no charges for early repayment of variable-rate loans.

The required documents include identity verification, proof of income, contact information, and professional activity details. Additional documents such as the title deed and planning permits may be required depending on the case.

The APR represents the total cost of the loan to the customer expressed as an interest rate. It includes all loan-related expenses and is useful for comparing different loan schemes.

If an instalment is missed, the overall cost of the loan may increase due to additional charges. If you are facing financial difficulties, it is advised to contact the bank to arrange a new repayment schedule.

Financing is provided through a financial leasing agreement. The car is registered under the client's and bank's co-ownership until the financing is fully paid. Full ownership is transferred to the client upon completion of all installments and expenses.

Existing customers can apply via the Hellenic Bank Mobile App. Alternatively, submit a request online or book a meeting. Car dealers may also submit financing requests with your consent to speed up the process.

Once the final car order or invoice is submitted along with the required documents, the bank will evaluate the request. Upon approval, the dealer is paid directly by the bank, and the car is ready for pickup.

Required documents include identity, income, and contact information, along with professional details. Additional documents such as payslips and income tax forms may also be required, depending on the case.

Yes. The loan amount covers the remaining price of the car after any down payment you make.

The interest rate is based on your contribution amount and other criteria evaluated by Hellenic Bank. Interest rates, collateral, and terms of financing may vary depending on the case.

A 15% discount on motor insurance is available through Pancyprian Insurance when financing your car through Hellenic Bank. Terms and conditions are determined by Pancyprian Insurance.

Yes, interest rates and loan duration may differ when buying a used car. Contact a Hellenic Bank branch for more details.

Financial leasing requires co-ownership of the financed car and assignment of full comprehensive motor insurance to the bank. Additional collaterals may be requested based on the bank’s lending policy.

Yes, financial leasing is available for the purchase of a new motorcycle with different conditions. Contact any Hellenic Bank branch for more information.

Yes, you can repay the loan either partially or fully at any time without incurring any charges.

A fixed interest rate remains unchanged throughout the loan, ensuring the same installment. A variable rate fluctuates with the Hellenic Bank Main Base Rate plus a margin.

Payments can be made via standing order from your account or through Hellenic Bank’s Online Banking service.

If you miss a payment, the total cost of the loan may increase due to additional charges. Contact the bank if you’re facing financial difficulties to arrange a new repayment schedule.

No arrangement or documentation fees are charged for car financing. At loan settlement, a €30.50 option fee is paid to transfer ownership solely in your name.

No, you do not have the right of withdrawal after signing the financial leasing agreement.

The professional loan is available for self-employed professionals, offering financing for workspace renovation, equipment purchases, debt consolidation, and loan transfers from other banks.

Documents required include identity verification, income information, contact details, and professional activity details. Additional documentation may be required based on the loan type, such as income tax forms, property title deeds, and valuations for secured loans.

For secured loans, a mortgage on the property is required. The mortgaged property must be insured against fire, earthquake, and flood. Unsecured loans are available based on creditworthiness, with the option to use savings as collateral to reduce interest rates.

The Morfosi Educational Loan is available for financing studies in Cyprus and abroad. This includes tuition fees, accommodation, living expenses, and other student needs like books, transportation, and personal expenses. It also covers primary and high school education costs, as well as private lessons.

The loan offers flexibility in repayment. Borrowers can choose a longer repayment period if the loan is backed by collateral, and they also have the option of a fixed interest rate for the first three years if the loan includes a mortgage.

Personal loans can be used for a variety of needs, including purchasing furniture, home appliances, or other consumer goods. The loan can also cover personal expenses like weddings, medical bills, or unexpected financial needs. It can consolidate existing debt or transfer a loan from another bank.

Interest rates for personal loans can be either fixed or variable. Fixed rates remain constant over the loan term, while variable rates are linked to Hellenic Bank’s Main Base Rate, with adjustments made during the loan period.