Optima Bank review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
Optima Bank centres on debit cards for everyday spending with contactless payments and mobile wallet use. It suits customers who prefer paying by card in stores and through a phone and who want a simple card for their own regular daily routines.
Key facts
- Best for
- Customers wanting a simple debit card for daily spending
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Optima bank S.A. (Source, checked September 26, 2026)
- Headquarters
- Greece (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- optimabank.gr
Credit cards
- Perks
- Interest-free instalments, Contactless payments, Apple Pay, Google Pay (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Optima bank S.A. (Source, checked September 26, 2026)
- Headquarters
- Greece (Source, checked September 26, 2026)
- Founded
- 2019 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
Pros
Pros
- Offers debit cards that support contactless payments for faster purchases in stores.
- Supports mobile wallet payments that let customers pay with a phone.
- Covers everyday card spending with debit use linked to daily routines.
Who it suits
- Customers who prefer contactless debit payments
- Customers who use mobile wallets for store purchases
How Optima Bank compares
Where Optima Bank is available
- Available
- Greece
- Licence in Greece
- Bank of Greece (52/2/17.12.99), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Optima Bank offer for card customers?+
Optima Bank offers debit cards for everyday spending. The cards support contactless payments in stores for quick purchases at the till. Mobile wallet payments allow phone based payment where that option is accepted.
Who suits Optima Bank debit cards?+
Customers who pay by card for daily purchases find this setup clear. It works well for contactless and mobile wallet use in stores. People who want one straightforward card may prefer this approach.
What should customers check before choosing this debit card?+
Customers should consider how they pay in stores and by phone. They should review contactless needs and mobile wallet habits. They should confirm the card matches daily routines before choosing.
Which company operates Optima Bank?+
Optima Bank is operated by Optima bank S.A.. (Source, checked September 26, 2026)
Where is Optima Bank based?+
Optima Bank is based in Greece. (Source, checked September 26, 2026)
When was Optima Bank founded?+
Optima Bank was founded in 2019. (Source, checked September 26, 2026)
How can I contact Optima Bank support?+
Optima Bank offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Optima_bank checked September 26, 2026
Backs: Headquarters
“Headquarters | Maroussi, Greece”
- athexgroup.gr/documents/10180/5991748/optima-pdfs-for-com... checked September 26, 2026
Backs: Founded
“Optima bank was established in July 2019”
- optimabank.gr/en/individuals/cards/debit-card checked September 26, 2026
Backs: Card type, Card network, Support channels
“Optima bank debit Mastercard”
- optimabank.gr/individuals/cards/credit-card checked September 26, 2026
Backs: Card kind, Perks
“Pistotiki karta Optima bank credit Mastercard”
- optimabank.gr/media/snljxyya/e205.pdf checked September 26, 2026
Backs: Legal entity, Licences
“Optima bank S.A., Regulated by the Bank of Greece”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.