Optima Bank review
Updated October 13, 2026 · VaultCue Editorial Team
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Our verdict
Optima Bank provides fixed deposits denominated in euro with a defined structure for planned saving. Customers who prefer a clear fixed approach can consider this option while reviewing account details and personal goals to choose an approach that supports wider financial planning.
Key facts
Savings
- Headline rate
- 2.1%↗
- Rate type
- Fixed↗
- Term
- 6 to 12 months↗
- Minimum deposit
- €50,000↗
- Access terms
- Monthly interest payout; no early withdrawal penalty on the interest payout date; 6 or 12 month duration in euro↗
- Account kind
- Fixed↗
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataWikipediaLinkedInyoutube.com
Pros
Pros
- Offers fixed deposits in euro for structured saving intentions
- Keeps a defined account shape that aids forward planning
Who it suits
- Customers seeking structured euro saving
- People planning ahead with fixed deposits
How Optima Bank compares
Frequently asked questions
Which products does Optima Bank offer?+
Optima Bank offers fixed deposits for customers planning ahead with a set structure. The focus stays on straightforward saving through this deposit type. Customers can weigh how such an approach supports their broader financial intentions.
Which currency applies to its deposits?+
Its fixed deposits use euro denomination for clear organisation of saving intentions. The defined currency basis helps customers keep plans consistent. Customers managing funds in euro can reflect on how this alignment supports their goals.
What should customers check before choosing a fixed deposit?+
Customers benefit from reviewing account structure, suitability and overall purpose before committing to a fixed deposit. Clarity around personal goals helps guide a confident selection. Take time to consider how this saving method fits within wider financial planning.
Which company operates Optima Bank?+
Optima Bank is operated by Optima bank. (Source, checked September 26, 2026)
Where is Optima Bank based?+
Optima Bank is based in Greece. (Source, checked September 26, 2026)
When was Optima Bank founded?+
Optima Bank was founded in 2000. (Source, checked September 26, 2026)
How can I contact Optima Bank support?+
Optima Bank offers support through Email, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- optimabank.gr checked September 26, 2026
Backs: Audience, Support channels
- optimabank.gr/about-us/company checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity
“Investment Bank of Greece was founded in 2000. On 2.10.2019 the former Investment Bank of Greece was renamed to Optima bank.”
- optimabank.gr/individuals/accounts/time-deposit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Monthly interest payout. No early withdrawal penalty on the payout date.”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Licence type, Currency conversion fee, Currencies.