VIVABANK SINGLE MEMBER BANKING S.A.

VIVABANK Single Member Banking S.A. is a Greek credit institution organized as a single‑member société anonyme, indicating a sole shareholder structure, and operates under Greek banking law with prudential supervision by the Bank of Greece within the EU regulatory framework. The bank focuses on everyday banking for individuals and small businesses, offering standard euro current and savings accounts, time deposits, payment cards, and lending products subject to credit assessment, with access through a limited physical presence supported by internet and mobile banking channels employing PSD2 strong customer authentication. Accounts are IBAN‑denominated in euro and support SEPA transfers; international payments via correspondent networks are typically available with fees set out in the bank’s tariff. Pricing for accounts, cards, transfers, and cash withdrawals is published and subject to change, and customers should review charges for non‑network ATM usage and cross‑border transactions. Deposits are covered by the Hellenic Deposit and Investment Guarantee Fund (TEKE) up to €100,000 per depositor, per bank, in line with EU rules; this protection does not apply to investments or other non‑deposit products. Onboarding follows Greek KYC/AML requirements and generally requires valid identification, tax number, proof of address, and source‑of‑funds verification, with additional checks for non‑residents under FATCA/CRS. Digital channels provide routine functionality such as balance inquiry, payments, transfers, card controls, and term‑deposit management; service availability, daily limits, and authentication methods are defined in the bank’s terms. As a smaller domestic institution, VIVABANK’s branch network and product breadth are more limited than those of Greece’s systemic banks, which may affect cash services and specialized corporate solutions, while potentially allowing for a narrower, more standardized retail offering. Interest rates on deposits and loans, eligibility criteria, and collateral requirements reflect market conditions and internal risk policies, and may be adjusted without notice. Prospective clients should rely on the bank’s official disclosures for current tariffs, interest schedules, and service terms, and assess fit based on required payment corridors, language support, and the need for ancillary services such as merchant acquiring, trade finance, or investment products.