Eurobank

Name

Eurobank

Legal name

Eurobank S.A.

Website

https://www.eurobank.gr/

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA), Digital Banking & Neobank Platforms (BPAMAFAD)

Keywords

• Retail banking services
• Corporate banking finance
• Private wealth management
• Digital banking platform
• Cross-border payments

Headquarters

HQ city

Athens

HQ country

Greece

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from loan portfolio minus interest paid on deposits. Core revenue driver with deposits of €82.7bn and gross loans of €56.0bn at year-end 2025. Represents the primary income stream for the banking group.
2. Fee and Commission Income: Transaction fees, account maintenance fees, card fees, investment management fees, and advisory fees from corporate banking and wealth management operations.
3. Insurance Revenue (Eurolife): Following the €813 million acquisition of Eurolife life insurance business, Eurobank now controls the life insurance operations, adding bancassurance revenue streams from insurance product distribution.
4. Wealth Management: Private banking services across Cyprus, Luxembourg, Greece and the UK with investment management fees and advisory revenues. Eurobank was recognized as Cyprus' Best International Private Bank.
5. Capital Markets Operations: Bond issuances, share buybacks, and capital market transactions including €1.35bn in senior preferred notes and Additional Tier 1 issuances in 2025.
6. International Operations: Contributions from Cyprus operations (following Hellenic Bank acquisition) and Bulgaria operations, with non-Greek operations contributing 50% of earnings in 2025.

Pricing tiers

Go-to-market motion3 records

Distribution channels12 records

Marketing channels10 records

Core offering

Eurobank is a Greek systemic bank offering retail banking (current/savings accounts, mortgages, consumer loans, debit/credit cards), corporate and investment banking (trade finance, project finance, M&A advisory, treasury services), private banking/wealth management, insurance distribution through Eurolife, and digital banking via the Eurobank Mobile App and e-Banking platforms. The bank operates 266+ branches in Greece with international subsidiaries in Cyprus, Luxembourg, Bulgaria, and a representative office in India, managing approximately €108bn in total assets.

Product overview

Eurobank operates as a full-service banking group offering a unified platform with multiple integrated products and services. The core digital banking platform includes Eurobank Mobile App, e-Banking, and Eurobank Business App for account management and transactions. Premium tiers include Personal Banking (for €50K+ customers with dedicated advisors) and Private Banking (wealth management). Payment products span debit cards (Hybrid Debit Mastercard), prepaid cards (Eurobank Teens, Virtual Prepaid), credit cards (Pay in 4, Reward World Mastercard, YES Mastercard), and business POS solutions (Android POS, Smart POS, Worldline integration). The rewards ecosystem centers on the €pistrofi programme with EverydayInvest micro-investment feature. Business services include Corporate & Investment Banking, Venture Banking, v-Banking video advisory, Digital Academy for Business education platform, and specialized SME advisory. Insurance products include Safe Drive auto insurance from Eurolife FFH. Recent launches include UPI remittances to India, AI Factory with EY/Microsoft/NVIDIA, and new generation biodegradable cards.

Differentiator

Problem solved

Functional benefit

Brands

• Eurobank Mobile App: Mobile banking application with over 1,800 transactions available
• €pistrofi
• Personal Banking
• Private Banking
• Business Banking
• Corporate & Investment Banking
• Digital Academy for Business

Products and services

• Eurobank Mobile App Mobile banking application enabling retail customers to conduct over 1,800 transactions, manage accounts, cards, access €pistrofi rewards, and perform everyday banking. Available on iOS, Android, and Huawei AppGallery.
• e-Banking Comprehensive online banking platform for retail and business customers enabling account management, transactions, trade finance, treasury services, and securities trading with secure 24/7 access.
• Personal Banking Premium banking service for affluent customers with €50,000+ in deposits, investments, or insurance products. Includes dedicated Personal Banker, exclusive credit cards with enhanced cashback, preferential loan and deposit rates, and lifestyle privileges.
• Private Banking Wealth management service for high-net-worth individuals and family offices providing bespoke investment portfolios, succession planning, international investment opportunities, and dedicated Private Bankers. Includes Generation Forward programme for clients aged 20-40.
• Hybrid Debit Mastercard Digital-first debit card available as instant virtual or physical card, offering enhanced cashback rewards at €pistrofi partner merchants and supporting mobile wallet payments.
• Prepaid Visa Eurobank Teens Free prepaid card for children aged 15-17, managed through a dedicated profile in the Eurobank Mobile App with parental controls and 10% permanent cashback at selected brands via €pistrofi programme.
• Virtual Prepaid Mastercard Free virtual prepaid card for online transactions with spending controls and €10 cashback bonus upon issuance with minimum €30 top-up.
• €pistrofi Rewards Programme Cashback rewards programme offering returns on card purchases at over 8,500 participating merchants in Greece and 800 in Cyprus, including supermarkets, fuel stations, electronics, fashion, travel, and Wolt partnerships.
• EverydayInvest Automated micro-investing service that rounds up daily debit card purchases to the nearest euro and invests the difference once accumulated amounts reach €10, in partnership with everyoneINVESTED (KBC Group).
• Fast Loan Online personal loan product offering quick digital approval with promotional €100 cashback bonus for applications completed within specified campaign periods.
• Safe Drive Auto Insurance Online car insurance product from Eurolife FFH available for purchase in minutes through the Eurobank Mobile App or e-Banking platform.
• Corporate & Investment Banking Corporate banking division providing venture banking for startups and scale-ups, project finance, shipping finance, trade finance, M&A advisory, and exclusive infrastructure project financing for large corporates across shipping, tourism, energy, real estate sectors.
• Pay in 4 Mastercard Virtual credit card enabling purchases from €100 to €1,000 to be split into 4 equal interest-free installments, even at merchants that do not directly offer installment options.
• v-Banking Video Banking Video banking service providing secure video consultations with Personal Bankers or Relationship Managers, available for both retail customers (v-Banking) and corporate customers (v-Banking for Corporate).
• Personal Investment Portfolios Professional discretionary investment management service where customers select a portfolio matching their investment profile and benefit from ongoing professional management by investment experts.
• UPI Cross-border Remittance Service Cross-border remittance service enabling Indian customers in Greece and Cyprus to transfer money to India with near-instant transfers via Unified Payments Interface (UPI), in partnership with NPCI International Payments Limited.
• Instant Payments Instant money transfer service completing transactions in up to 10 seconds within Greece and EEA countries, accessible through e-Banking or the Eurobank Mobile App.
• Android POS / Worldline Smart POS Point-of-sale terminal solutions for businesses, including Android POS and Smart POS (downloadable on Android or iOS), powered by Worldline Greece for secure card payment acceptance.
• Digital Academy for Business Digital knowledge channel providing articles, workshops, and reports on ESG, e-commerce, digital marketing, and tourism topics to help SMEs and freelancers with digital and strategic transformation.
• AI Factory AI Factory embedding agentic AI into Eurobank's core banking mainframes using EY's agentic platform with NVIDIA NIM microservices and GPU architectures, alongside IBM Telum II accelerators for sub-millisecond fraud detection.
• New Generation Banking Cards New generation of banking cards featuring modern vertical design, biodegradable materials, tactile notch for accessibility identification, enhanced digital security, and support for Apple Pay, Google Pay, and Garmin Pay.

Quantifiable outcome

• 16.0% Return on Tangible Book Value in 2025
• +5 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability8 records

Feature6 records

Partnerships

17 partnerships are on record, tiered minor and core.

• Thomas Cook (India) LimitedminorStrategic or Co-development Partner · 2 June 2026Cross-border partnership integrating Thomas Cook's travel services with Eurobank's financial solutions to support Indian enterprises' European expansion through Cyprus subsidiary TCI Euro.
• NPCI International Payments Limited (NIPL)coreTechnology or Integration · 21 May 2026Partnership to enable cross-border remittance service from Greece to India via Unified Payments Interface (UPI). Eurobank became first Greek and Cypriot bank and first bank in Southeast Europe to enable UPI-based transfers to India.
• Thomas Cook (India) LimitedminorGTM or Marketing Partner · 21 May 2026Partnership leveraging Thomas Cook's travel network and Eurobank's India representative office to facilitate two-way trade and investment flows between India and the EU.
• WorldlineminorChannel Partner/ Reseller/ Distributor · 19 May 2026Payment services provider that exercised option to acquire Eurobank's remaining 20% stake in Worldline Greece joint venture for €72 million. Worldline maintains commercial partnership with Eurobank as distribution channel for payment services.
• Fitch RatingsminorOthers · 15 May 2026Rating agency that upgraded Eurobank's deposit ratings to BBB+ from BBB, marking another milestone in Greece's banking system normalization following the sovereign debt crisis.
• WoltminorChannel Partner/ Reseller/ Distributor · 6 April 2026Partnership expanding €pistrofi rewards programme. Eurobank cardholders can earn cashback through Wolt orders. Includes upcoming six-month free Wolt+ subscription for Eurobank cardholders in Cyprus.
• Hellenic BankminorOthers · 24 March 2026Eurobank completed €1.3 billion acquisition of Hellenic Bank in December 2025, creating Cyprus' leading financial institution. Insurance subsidiaries were merged into ERB Cyprialife and ERB Asfalistiki.
• BNP Paribas Asset ManagementminorStrategic or Co-development Partner · 9 March 2026Client dinner in Nicosia co-hosted with Eurobank's private banking division to discuss global investment prospects. BNP Paribas strategists presented macroeconomic analysis and thematic investments.
• AccenturecoreTechnology or Integration · 20 February 2026Partnership for enterprise-wide Digital Brain implementation as part of the AI Factory initiative. Strategic collaboration for AI-driven operating model.
• J.P. Morgan Asset ManagementminorStrategic or Co-development Partner · 12 February 2026Co-hosted Money Conference 2026 with Eurobank. Head of Economic Research Konstantinos Vrachimis participated in panel on global and Cypriot economic prospects.
• Boyanov & CominorImplementation/ SI/ Consulting Partner · 6 February 2026Bulgarian law firm acting as legal adviser to Eurobank on financing for rehabilitation of Burgas Airport runway.
• MicrosoftcoreTechnology or Integration · 31 December 2025Strategic partnership to launch AI Factory embedding agentic AI into Eurobank's core banking mainframes. Uses Microsoft Azure cloud infrastructure and NVIDIA-accelerated computing.
• EY (Ernst & Young)coreTechnology or Integration · 31 December 2025Partnership for AI Factory using EY's Agentic Platform with NVIDIA NIM microservices. Development of enterprise-wide Digital Brain connecting Europe and India.
• NVIDIAcoreTechnology or Integration · 31 December 2025AI Factory partnership providing GPU architectures and NIM microservices for agentic AI deployment in Eurobank's core banking systems.
• Fairfax Digital ServicescoreTechnology or Integration · 18 November 2025Strategic partnership to develop scalable AI-driven operating model connecting Europe and India. Includes AI Factory development and enterprise-wide Digital Brain implementation.
• Moody'sminorOthers · 18 March 2025Rating agency that upgraded Eurobank's credit rating to Baa3 (investment grade) following Greece's sovereign rating upgrade. Rating reflects improved capital positions and earnings.
• Digital Academy Supporters (Google, EY, SoftOne, AWS, etc.)minorStrategic or Co-development PartnerTechnology companies and organizations supporting Digital Academy for Business platform. Includes Google, EY, SoftOne, AWS, CyberNoesis, Worldline, TUV Austria, LG, E-Satisfaction, Knowcrunch, Epsilon Smart, and others providing content and expertise.

Scale indicators16 records

Recent moves11 records

Expansion highlights7 records

Direct peers

• National Bank of Greece: One of four systemic Greek banks and Eurobank's most direct competitor in retail, corporate, and investment banking in Greece. Comparable due to similar size, full-service banking model, and parallel expansion into Cyprus and Southeast Europe.
• Piraeus Bank: One of four systemic Greek banks competing head-to-head with Eurobank across retail, SME, and corporate banking. Both banks serve the same Greek customer base with similar product suites and have similar scale at the systemically important level.
• Alpha Bank: One of four systemic Greek banks with overlapping retail, corporate, and private banking offerings. Direct competitor for Greek household and SME deposits, mortgage lending, and corporate banking relationships.
• Bank of Cyprus: Largest Cypriot bank prior to Eurobank's Hellenic Bank acquisition; now competing directly with Eurobank Cyprus across retail, corporate, and wealth management. Comparable in geographic footprint and customer base in Cyprus.

Broad incumbents

• UniCredit: Major pan-European bank with significant presence in Italy, Germany, and Central/Eastern Europe including Bulgaria (UniCredit Bulbank). Comparable due to cross-border European banking model and similar corporate/investment banking capabilities.
• Erste Group Bank: Major Central and Eastern European banking group with Austrian roots, comparable retail and corporate banking franchise. Overlaps with Eurobank in cross-border European banking and serves similar customer segments across multiple CEE markets.
• KBC Group: Belgian banking and insurance group with bancassurance model similar to Eurobank's post-Eurolife strategy. Direct partnership via everyoneINVESTED (KBC Group) for EverydayInvest service demonstrates operational alignment.
• BNP Paribas: Global European bank with asset management division (BNP Paribas Asset Management) co-hosting investment events with Eurobank's private banking. Comparable in wealth management capabilities and European corporate banking reach.
• Citibank Europe: Global bank with significant corporate and investment banking operations in Greece and Cyprus. Overlaps with Eurobank in serving large corporates, multinationals, and cross-border transactions in the same markets.

Regional players

• Raffeisen Bank International: Austrian-headquartered bank with strong Central and Eastern European franchise. Comparable in European cross-border banking model, though operating in different geographies than Eurobank's core Greek-Cypriot-Bulgarian footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/EurobankGroup
• LinkedInlinkedin.com/company/eurobank
• TikToktiktok.com/@eurobank_group
• Xx.com/Eurobank_Group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries7 records

Funding overview

Funding rounds5 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments15 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eurobank