JOINT ACCOUNT
Build the perfect relationship with your money
Manage your shared goals through one account
Joint Account
  • multiple account beneficiaries
  • savings or everyday transaction account
Types of joint accounts
Basic

Current

Fixed deposit

Notice

Discover your benefits
Based on the type of account you choose
Choose your account based on your needs
Payroll automatically credited to account
Debit card for each beneficiary
Option to set up Standing Orders
Withdrawals /deposits carried out without notice
Monthly statements by email
Instant SMS alerts for all  transactions
Account access through all available Bank channels 
Chequebook (optional)
Overdraft limit with or without collateral (optional)
Banking at your fingertips
MobileApp-Cards
Hellenic Bank Mobile App

Manage your finances easier and faster with the Hellenic Bank Mobile App. Instant payments to your smartphone's saved contacts via Contact Pay, Biometric Identification for transaction authorisation, account balance and savings tracking from anywhere. Whenever you want, wherever you want... we literally bring simple banking at your fingertips. 

Online Banking

Keep on top of your finances and view all your account activity, cards and loans online. Check your account balances, view transactions, make payments, set up Time Deposits, transfers and more – securely.

Ready to make the first step?
To open a joint account, Book a Meeting or visit any Hellenic Bank branch.
FAQs
How can I open a joint account?

To open a joint account, make an appointment at any Hellenic Bank branch.

What is required for the opening of a joint account?

To open a joint account, you must submit the necessary documents for the confirmation of the below information:

-Identity information
-Income information
-Contact information
-Professional activity details

For existing customers, an updated version of the above must be submitted

Additional details and information may be requested regarding

  1. The purpose and nature of your business relationship with the bank
  2. Information about your economic/ transaction profile

Within the context of the due diligence framework, the banks are obligated under the applicable regulatory legislation, to request the above data to be updated at regular intervals and keep the relevant copies.

What is the deposit rate of the account?
For your account interest rate, you may refer to the Hellenic Bank Table of Deposit Rates of Hellenic Bank, which can be found here.
What are the types of charges that I need to be aware of?
For the maintenance of an account, you will have to pay certain maintenance fees differentiated based on the type of account. Account maintenance costs are related to the operation of the account by the Bank.

In addition to the account maintenance fees, you will be only charged for the use of services according to the Bank’s table of commissions and charges which can be found here.
Which account beneficiary can perform transactions on a joint account?
Any transactions can be performed based on the signature rights that you will specify during the opening of your joint account. For example, one beneficiary may have withdrawal rights with or without the consent from the co-beneficicary of the joint account.
Can I issue a debit card for purchases through my joint account?
A debit card is issued to all account holders of joint basic and current accounts, provided that the signature rights of the account allow transactions to be carried out without joint consent. 
Can I have access through Online Banking for my joint account?
If you have or will gain access to the online service channels of the bank, your joint account will appear in the list of your personal accounts for you to view balances, transactions. The right to debit a joint account for electronic transfers is granted to joint account holders of basic and current account, provided that the signature rights of the account allow transactions to be carried out without consent of the co-beneficiary.
What happens in the event of a dispute between joint account beneficiaries?
The Bank is not liable in any way for any disagreements and/or any other legal disputes between the joint account beneficiaries. Account beneficiaries are individually or/and jointly responsible for any debit balances on the joint account.
What happens in the event of death of one of the account beneficiaries?
Please be aware that the name of your account will be in the form of “AND/OR” and that in the event of the death of any of the joint holders the Bank will pay or deliver to or to the order of the survivor/s all monies, securities, deeds and other assets in credit of the joint account.
What is the Deposit Guarantee Protection Scheme and how does it work?

Deposits in Hellenic Bank Public Company Ltd are protected by the Deposit Guarantee and Resolution of Credit and Other Institutions Scheme (DGS).

Limit protection of EUR 100.000 per depositor per credit institution.

For more information please click here 

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