Optima Bank — full review and pricing

Quick facts. Optima Bank is operated by Optima bank S.A., headquartered in Athens, Greece, with the brand established in 2019 (relaunch from Investment Bank of Greece). The operator is listed on Athens Stock Exchange (ATSE:OPTIMA) since October 2023. Optima Bank positions itself as one of Greece's newer challenger banks competing with Aegean Baltic and Attica Bank, billed via the tier structure detailed below.

Optima Bank markets a banking & payments subscription targeted at users who want a fully-managed product without piecing it together themselves. The pricing snapshot below pulls Subger's live tracker, so anchor prices stay current as Optima Bank adjusts published rates. The rest of this page details the operator, current tiers, feature coverage, support reach and 10 short FAQs. For the canonical reference, you can always cross-check the vendor's own pricing page — but expect the figures here to mirror it within the cache window.

Operator background

Optima Bank runs under Optima bank S.A., headquartered in Athens, Greece. The product was established in 2019 (relaunch from Investment Bank of Greece), and the company is currently listed on Athens Stock Exchange (ATSE:OPTIMA) since October 2023. Optima Bank sits in the banking & payments category and competes for the same recurring spend as nearby banking & payments brands on this site. See related coverage in /en/us/promo and /en/us/deal for cross-brand context.

Headquarters and corporate status

• Legal entity: Optima bank S.A.
• HQ: Athens, Greece
• Founded / launched: 2019 (relaunch from Investment Bank of Greece)
• Ownership: listed on Athens Stock Exchange (ATSE:OPTIMA) since October 2023

The operator's corporate status determines who you contract with at checkout — typically the legal entity above, even if billing goes through a regional reseller.

Why Optima Bank matters in banking & payments

Optima Bank positions itself as one of Greece's newer challenger banks competing with Aegean Baltic and Attica Bank. The 2024-2025 differentiator: 2024 marked first full year as listed Greek bank with rapid retail-deposit growth after 2023 IPO.

Pricing and tier structure

Current tier structure: Standard, Optima Premium and Optima Private (private banking from €200,000 AUM). The anchor price referenced for headline comparison is Standard daily-banking with no monthly fee; Premium per-relationship.

Plan grid

What changes between tiers

Higher tiers typically unlock larger allowances, additional household members or extra premium content; entry tiers exist for trial usage. Live prices in the Subger plan tracker override these anchors when Optima Bank adjusts published rates.

Recent pricing context (2024-2025)

2024 marked first full year as listed Greek bank with rapid retail-deposit growth after 2023 IPO. Annual commitments commonly trim 10-20% off the headline monthly rate; check the live grid above before purchase.

Feature coverage

Optima Bank ships with the following named capabilities relevant to banking & payments:

• Greek retail and corporate banking
• MarginBox investment platform
• SEPA and SWIFT transfers
• Digital onboarding
• Optima Markets brokerage

Feature matrix

Platform and device reach

Coverage spans the operator's published device list — typically modern iOS and Android plus a web client; some categories add desktop apps, smart-TV apps or vehicle integrations where relevant. Check the vendor's "Supported devices" page if you depend on a less common platform.

Account features and digital experience

Account features cover daily banking, cards, transfers and lending; digital experience centres on a mobile app with biometric login and instant notifications.

What this means for buyers

The category-specific behaviour above is the single biggest factor when comparing Optima Bank against alternatives in the same banking & payments bracket. Buyers who care about the feature mix detailed here will typically rank Optima Bank higher than buyers focused on price alone.

Support, billing and account management

Optima Bank offers customer support through the operator's standard channels — typically an in-app help centre, email contact and (for paid tiers) live chat or phone support during business hours.

Cancellation and refunds

You can cancel Optima Bank directly from the account dashboard. Refund policy follows the operator's published terms; many banking & payments services prorate or do not refund partial periods after the renewal date. See the cancel guide hub for the standard cancellation workflow.

Free trials and money-back

Free trials, money-back windows and intro pricing vary by tier and country. Anchor: Standard daily-banking with no monthly fee; Premium per-relationship.

Comparison context

In the banking & payments category, Optima Bank competes with nearby brands you can browse via /en/us/compare. Buyers commonly look at Optima Bank alongside two or three peers before committing — the side-by-side compare table on this site lets you stack feature coverage and price in one view.

When Optima Bank is the right pick

• You want one of Greece's newer challenger banks competing with Aegean Baltic and Attica Bank and the feature mix listed above
• The anchor price (Standard daily-banking with no monthly fee; Premium per-relationship) fits the budget
• The operator's footprint covers your country

When to look elsewhere

• You need a specific feature Optima Bank does not list
• You are in a country outside the operator's main footprint
• The 2024-2025 differentiator (2024 marked first full year as listed Greek bank with rapid retail-deposit growth after 2023 IPO) is not relevant to your use case

Frequently asked questions

What is Optima Bank?

Optima Bank is a banking & payments subscription operated by Optima bank S.A. out of Athens, Greece, established in 2019 (relaunch from Investment Bank of Greece). It is currently listed on Athens Stock Exchange (ATSE:OPTIMA) since October 2023.

How much does Optima Bank cost?

Current tier structure: Standard, Optima Premium and Optima Private (private banking from €200,000 AUM). Anchor headline price: Standard daily-banking with no monthly fee; Premium per-relationship. See the pricing table above for the live grid.

Who owns Optima Bank?

The brand is owned and operated by Optima bank S.A.. Corporate status: listed on Athens Stock Exchange (ATSE:OPTIMA) since October 2023.

Where is Optima Bank available?

Optima Bank operates from Athens, Greece with country availability tied to the operator's footprint and licensing reach. Cross-check the vendor's region list before subscribing if you travel often.

Can I cancel Optima Bank any time?

Yes — cancellation runs through the operator's account dashboard. See the cancel guide hub for the standard workflow and country-specific notes.

Does Optima Bank offer a free trial?

Free-trial availability varies by tier and country. The anchor price (Standard daily-banking with no monthly fee; Premium per-relationship) is the post-trial headline rate; trials, when offered, run 7 to 30 days depending on promo.

What payment methods does Optima Bank accept?

Payment methods follow the operator's checkout — typically major cards (Visa, Mastercard, Amex) plus locally-relevant alternatives like Apple Pay, Google Pay or country-specific wallets.

Is Optima Bank worth it in 2025?

Optima Bank's 2025 value depends on the feature mix you actually use. The 2024-2025 update — 2024 marked first full year as listed Greek bank with rapid retail-deposit growth after 2023 IPO — is the single most relevant signal for current-year buyers.

How is Optima Bank different from competitors?

Optima Bank differentiates as one of Greece's newer challenger banks competing with Aegean Baltic and Attica Bank. The operator background, founding year (2019 (relaunch from Investment Bank of Greece)) and 2024-2025 update give buyers a sense of where the brand sits versus alternatives.

Where can I track Optima Bank pricing changes?

Subger's live tracker updates the anchor price (Standard daily-banking with no monthly fee; Premium per-relationship) automatically when Optima Bank adjusts published rates. Bookmark the Subger Optima Bank page and check the pricing table above.

Sources and updates

Operator + tier + ownership facts compiled from public vendor disclosures, press releases and regulatory filings current to 2024-2025. Anchor price: Standard daily-banking with no monthly fee; Premium per-relationship. Last refreshed at the timestamp in Subger's plan tracker.

Related on Subger

Browse adjacent coverage:

• Promo codes hub
• Deals hub
• Cancel guide hub
• Compare services
• True price tracker