NBG review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NBG suits Greek customers who want a Mastercard debit for everyday spending and, if funds allow, a fixed-rate term deposit with no monthly fee. The savings side carries no monthly charge, while the credit card option runs at 19.29% with 2% on currency conversion.
Key facts
- Best for
- Everyday spending in Greece with a fixed-rate term deposit on the side.
- Monthly fee
- €0↗
- Currency conversion fee
- 2%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- NATIONAL BANK OF GREECE S.A.↗
- Headquarters
- Greece↗
- Founded
- 1841↗
- Support channels
- Phone, Chat, Help-centre↗
- Features
- Same-day funding
- Official website
- nbg.gr
Loans
- APR
- 19.29%↗
- Loan amount
- €300 to €6,000↗
- Term
- 12 to 84 months↗
- Funding time
- Immediate disbursement credited to your deposit account↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Valid ID card or passport; proof of employment and a utility bill may be requested; existing Digital Banking credentials to apply online↗
- Loan types
- Personal, Debt-consolidation, Credit-line, Student↗
- Pricing model
- No monthly fee, Fixed rate
Savings
Mortgages
Facts checked September 26, 2026, 11 sources
Pros and cons
Pros
- Debit card runs on the Mastercard network, the wider of the two networks in the debit card rankings
- Term deposit carries €0 as a monthly fee and a fixed rate
- Term deposit needs a €3,000 minimum deposit, above the typical minimum in the savings rankings
- Support runs by phone, chat and help centre
Cons
- Credit card borrowing costs 19.29%, well above the 15.5% median across the listings
- Currency conversion costs 2% on the card, above the 1% median
- Fixed-rate deposits make up 19.6% of the term deposit listings, the smallest account kind group
Who it suits
- Greek residents spending day to day on a Mastercard debit card
- Savings customers with a lump sum ready for a fixed-rate term deposit
- Borrowers needing personal or consolidated debt dealt with by the bank directly
Who should look elsewhere
- Card shoppers drawn to the many listings with no annual fee, where the median is €0
- Frequent currency converters, since the 2% charge outruns the 1% median
- Anyone after a variable-rate account, which covers 53.9% of the listings
Rates and card terms
The card side runs at 19.29% for borrowing, with 2% charged on currency conversion. Loans sit on terms of 12 to 84, with immediate disbursement credited to your deposit account and free early repayment available. On the savings side the term deposit pays a fixed rate locked for the whole period, with a duration you choose and a €3,000 minimum deposit.
How NBG compares
9.5 vs 9.4
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 9.2
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 9.3
9.5 vs 8.9
9.5 vs 8.6
9.5 vs 9.2
9.5 vs 8.4
9.5 vs 8.5
9.5 vs 8.8
9.5 vs 9.0
9.5 vs 8.6
9.5 vs 8.3
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9.5 vs 9.4
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9.5 vs 9.0
9.5 vs 9.0
9.5 vs 8.9
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9.5 vs 8.7
9.5 vs 8.5
9.5 vs 8.4
9.5 vs 8.0- 9.5 vs 8.0
Where NBG is available
- Available
- Greece
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does it cost to hold an NBG account each month?+
The term deposit carries a monthly fee of €0, so nothing is taken each month on that account. Any other charges would sit with the individual product rather than the account, so check the card terms before applying. The deposit rate is set as fixed, not a monthly charge.
Which card network can I use?+
The card runs on the Mastercard network, listed as mastercard for this offering. That decides where the card is accepted and whether the balance leaves your account straight away. Mastercard takes 37.6% of the network listings on the site.
How much does it cost to borrow on the card?+
Borrowing costs 19.29% on the card. That sits above the 15.5% median for the listings and well above the 7.85% lower quartile. The higher the rate, the more a balance carried for a full statement cycle adds to the total repaid.
What happens when I pay in a foreign currency?+
Currency conversion costs 2% on the card, against a median of 1% across the listings. That is above the 0% lower quartile, so holiday spending and online purchases billed in other currencies cost more here. Card payments in euro avoid the charge.
What do I need to open a term deposit?+
The term deposit asks for a minimum deposit of €3,000 and pays a fixed rate held for the whole term. A minimum deposit of €3,000 is above the €0 median for the listings. The rate is set for the period rather than changing month to month.
Can I get my money out before the term ends?+
Early full repayment is possible on the term deposit, though it comes at a cost, and you can do it through internet or mobile banking or in branch. On the borrowing side, free early repayment is available on the loans. The deposit rolls over automatically at the end of the term.
How quickly can I get a loan?+
Disbursement is immediate, with Immediate disbursement credited to your deposit account once the loan is approved. The product also lists same-day funding as a same day funding feature. Terms run 12 to 84, and the lending types available are personal, debt consolidation and credit line. Applying online needs existing digital banking credentials.
Is the money protected?+
No licence or protection details are stated here, so the safety of your money rests on the bank being a long-established institution, founded in 1841. Deposits sit with National Bank of Greece S.A., the legal entity behind the brand. Ask the bank directly what covers your balance before committing funds.
Sources
- nbg.gr checked September 26, 2026
Backs: Support channels
“Contact - 210 48 48 484; speak by phone with a specialist representative; our chatbot Sophia is available at any time; find online the answers you are looking for”
- nbg.gr/-/jssmedia/Files/Idiwtes/Kathimerines-sunallages/k... checked September 26, 2026
Backs: Legal entity
“Creditor NATIONAL BANK OF GREECE S.A.”
- nbg.gr/-/jssmedia/Files/Timologio/web_portal_english_epit... checked September 26, 2026
Backs: Annual fee, APR, Card kind, Currency conversion fee, Headquarters
“Dual Mastercard Credit (1) 19.29% (2) 20.29% - EUR 6 /year”
- nbg.gr/el/idiwtes/apotamieusi-ependuseis/ependutika-progr... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Pricing model, Monthly fee, Rate type
“Option to choose the deposit duration from 1 to 365 days”
- nbg.gr/el/idiwtes/daneia/proswpika-daneia checked September 26, 2026
Backs: Loan types
- nbg.gr/el/idiwtes/daneia/proswpika-daneia/express checked September 26, 2026
Backs: Loan amount
- nbg.gr/el/idiwtes/daneia/proswpika-daneia/katanalotiko-da... checked September 26, 2026
Backs: Eligibility, Features, Free early repayment, Funding time, Lender type, Term
- nbg.gr/el/idiwtes/daneia/stegastika-daneia/daneia-akinitw... checked September 26, 2026
Backs: Fixed period, Maximum loan to value, Purpose
“with the lowest fixed rate for 10 years”
- nbg.gr/el/idiwtes/kathimerines-sunallages/trapezikes-kartes checked September 26, 2026
Backs: Card type, Card network
“Karta Dual - Mia karta, dyo tropoi pliromis, chreostiki kai pistotiki”
- nbg.gr/el/omilos checked September 26, 2026
Backs: Founded
“185 years - Founded in 1841”
- nbg.gr/en/individuals/daily-transactions/cards/credit-cards checked September 26, 2026
Backs: Rewards type
“Go For More”
Compiled from 11 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.