NBG review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

NBG lends straight from National Bank of Greece S.A., an established Greek bank, and its Express loan covers €300 to €6,000 over terms of 12 to 84, with free early repayment. It suits existing Digital Banking customers in Greece who want a modest lump sum in their deposit account quickly.

Key facts

Best for
A quick personal loan in Greece for customers who already bank digitally.
Loan amount
€300 to €6,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Funding time
Immediate disbursement credited to your deposit account (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Valid ID card or passport; proof of employment and a utility bill may be requested; existing Digital Banking credentials to apply online (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Student (Source, checked September 26, 2026)
Legal entity
National Bank of Greece S.A. (Source, checked September 26, 2026)
Headquarters
Greece (Source, checked September 26, 2026)
Founded
1841 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
nbg.gr

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXfacebook.com

Pros and cons

Pros

  • same day funding comes with Immediate disbursement credited to your deposit account, so an approved loan can land in your deposit account without a long wait.
  • Early repayment is free, which cuts the total cost whenever the balance can be cleared sooner.
  • It is a direct lender, direct lender, so the agreement, the funding and the servicing all sit with one bank.

Cons

  • The rate is variable, variable, so the cost of the loan can move during the term rather than staying locked in.
  • Eligibility ties online applications to existing Digital Banking credentials, and proof of employment with a utility bill may be requested on top.
  • Support is limited to phone, chat and help centre, so there is no email or counter channel.
NBG

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Existing Digital Banking customers in Greece who apply online and want the money credited to their deposit account.
  • Borrowers who can clear the balance early, since early repayment is free.
  • People after a modest personal or consolidation loan, given €300 to €6,000 over 12 to 84.

Who should look elsewhere

  • Monzo Flex, whose loans run £10,000 to £35,000, suits anyone needing to borrow far beyond €300 to €6,000.
  • Cashspace ES, at €100 to €5,000, makes more sense for borrowers who need less than the smallest €300 to €6,000 loan from NBG.

Who runs it

The lender behind these loans is National Bank of Greece S.A., headquartered in Greece and in business since 1841. That history matters for a borrowing relationship: the side that assesses the application and the side that services the loan work for the same bank rather than a chain of intermediaries. Support runs on phone, chat and help centre, so help is available by phone, in chat and through a help centre.

How NBG compares

Where NBG is available

Available
Greece

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from NBG, and over what period?+

NBG's Express personal loan runs €300 to €6,000 over a term of 12 to 84. A longer term spreads the repayments but raises the total cost, and a shorter term does the reverse. The product sits alongside personal, debt consolidation and credit line in the same personal lending range.

Is the interest rate fixed or variable?+

The rate is variable, as variable shows, so the cost of borrowing can move during the term rather than staying locked in. Anyone budgeting on a steady monthly figure should check the rate at the point of agreement, and 12 to 84 gives the window over which that rate applies.

How quickly does the money arrive?+

Funding is same-day. same day funding sits alongside Immediate disbursement credited to your deposit account, so a decision leads to money landing in your deposit account rather than a cheque or a wait on a transfer. The practical point is that your deposit account needs to be in order before you apply.

Can I pay the loan off early?+

Yes, early repayment is free, so clearing the balance sooner carries no charge and part of the total cost drops away. Read together with terms of 12 to 84, that makes it worth settling a loan once the money allows, and closing a variable rate loan early limits how long the rate can move against you.

What do I need in order to apply?+

Eligibility asks for a valid ID card or passport, and proof of employment with a utility bill may be requested. Applying online also means holding existing Digital Banking credentials, so a new digital customer cannot use that route. Because Immediate disbursement credited to your deposit account pays out to your deposit account, an existing account matters too.

Who is behind the loan?+

The lender is National Bank of Greece S.A., based in Greece and trading since 1841. It is a direct lender, direct lender, so you deal with the bank itself rather than a broker that passes your details on and keeps part of the deal.

How do I get help once I am a customer?+

Support runs on phone, chat and help centre, so a phone line, a live chat option and a help centre are all open to you. Any of the three can answer questions about the product you hold and about the terms of 12 to 84 that came with it.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

NBG

NBG

A quick personal loan in Greece for customers who already bank digitally.

9.3/10See alternatives

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