Cooperative Bank of Epirus Ltd

Cooperative Bank of Epirus Ltd. is a regional cooperative credit institution in Greece headquartered in Ioannina, operating primarily across the Epirus region and focusing on retail and small-business banking. It offers current and savings accounts, term deposits, debit cards on international networks, electronic banking via web and mobile, and domestic and SEPA payments; international transfers outside SEPA are typically routed through correspondent banks. Lending spans consumer, housing-secured, and SME financing, including working-capital and investment loans, subject to underwriting and collateral requirements. The bank’s cooperative structure means members hold shares and voting rights under a one-member-one-vote principle, with any share purchase and membership conditions set out in its statutes and disclosures. It is authorized and supervised by the Bank of Greece within the EU regulatory framework (including PSD2 and capital requirements rules), and eligible deposits are protected by the Hellenic Deposit and Investment Guarantee Fund up to €100,000 per depositor, per bank, subject to statutory limits and exclusions. Fees, interest rates, and transaction limits follow the published price list and may vary by account type, channel, and customer segment; early withdrawal from term deposits can attract penalties. Account opening requires standard KYC documentation such as government identification, Greek tax number (AFM), and proof of address; availability of remote onboarding and services for non-residents depends on regulatory and internal policy criteria. The branch and ATM footprint is concentrated locally, which can constrain in-person service for customers outside Epirus, though DIAS/SEPA payment connectivity supports nationwide transactions. Digital channels use strong customer authentication and transaction alerts, with configurable limits for transfers and cards. Businesses can access cash management, payroll processing, merchant services (including POS acceptance), and bank guarantees, with trade-related payments handled through established payment rails and correspondent arrangements. Financial statements, Pillar 3 disclosures, and governance reports are published on the bank’s website and outline risk, capital, and remuneration policies. This proposition suits individuals and SMEs with operational links to Epirus who prioritize regional support and do not require a large national branch network or multi-currency accounts; prospective customers should review the latest tariff, product terms, and disclosures before applying.