Green solutions and digital channels

Promoting green solutions through digital transformation

Through our constantly evolving digital channels, our clients can carry out most of their transactions securely online from their computer or mobile. In 2024, more than 98% of daily banking transactions were carried out through digital channels. Transactions through e-Banking increased by 16% and their value by 12% compared to 2023.

The overall effort to enhance digital services is reflected in our significant distinctions in the field of digital banking. In this context, we received the Product of the Year 2024 award in the “Services” category for myAlpha Vibe.

At the Digital Finance Awards 2024, Alpha Bank was named Digital Bank of the Year. We received 5 more awards:

• Gold in the “Best Mobile App” category for bizpay 
• Gold in the “Best Payments and Transactions Processing Digital Initiative” category 
• Gold in the “Best Digital Product Launch” category for myAlpha Vibe 
  
• Gold in the “Best Card Digital Initiative” category for getting a credit card through e-Banking 
  
• Silver in the “Best Corporate Financing Initiative” for myAlpha Web for business
  

At the Mobile & IoT Awards 2024 we received 3 awards:

• Gold in the “Digital Innovation through Mobile” for myAlpha Vibe
• Silver in the “Banking and Finance” category for myAlpha Mobile
• Bronze in the “Use of Mobile for Customer Loyalty” for the Bonus app 

At the National Customer Service Awards 2024 we received distinctions in 3 categories:

• “Best Use of Innovation in Customer Experience” for myAlpha Vibe 
• “Best omni-channel Customer service” for myAlpha Rendez-vous and myAlpha Documents 
• “Best Outsourcing Partnership” for Printec and Alpha Bank 

With strong environmental awareness, we design and promote services that respect the environment, reduce paper use and improve both our own and our clients’ ecological footprint: 

• Alpha e-statements – Digital statements for accounts, credit cards, mortgage and personal loans. 
• Online products – Personal loans, cards, time deposits, insurance products. 

Supporting the green transition of households

Energy saving 

Our financing solutions meet the needs of our retail clients with a deep sense of respect for the environment: 

• Exoikonomo – Participation in the Renovate my home and save energy – for young people and Exoikonomo 2023 programmes for financing the energy efficiency upgrading of residential property.
• Alpha Green Solutions – Green loan for the home – Personal loan to improve the energy efficiency of your home or install home solar panels with a view to reducing your energy footprint. 
• Alpha Green Solutions – Loan for electric car – Personal loan for hybrid or electric car, or other green vehicle, without collateral, for transportation that reduces the ecological footprint.
  

In addition, with the Alpha Residence mortgage loan we offer financing up to 90% of the property commercial value and up to 100% of the purchase agreement value for energy class A, A+ properties.

Low-emissions investments 

Contributing to the sustainable development of small businesses

Green entrepreneurship 

We support small businesses in making the most of opportunities for green investments and sustainable development. We offer them products focused on protecting the environment and mitigating climate change: 

• Alpha Photovoltaic – Loan addressed to small businesses wishing to invest in the construction of photovoltaic stations, with a power output up to 1 MW. 
• Green transition RRF loans – Loan from the Recovery and Resilience Facility (RRF) and co-financing by Alpha Bank for projects relating to the green transition of businesses.
• Partnership Agreement 2021-2027 – Integrated solutions with advisory banking services, technical support and financing to upgrade the energy efficiency of businesses, through the SME Green Transition set of actions included in the Competitiveness programme of Partnership Agreement 2021-2027. 

The Energy Upgrade programme offers small businesses a full-service package in all areas of green entrepreneurship, relying on our partner ecosystem: 

• Consulting and know-how about investment performance. 
• Pre-installation site and equipment survey. 
• Financial feasibility of the project. 
• Procedural issues. 
• Project implementation. 
  

Social impact loans 

We participate in programmes that help innovative businesses: 

• Recovery and Resilience Facility (RRF) Loans – RRF loan and co-financing by Alpha Bank for projects that boost digital transformation or innovation. 
• Partnership Agreement 2021-2027 – Integrated solutions with advisory banking services, technical support and financing to upgrade the energy efficiency of businesses, through the SME Digital Transformation set of actions included in the Competitiveness programme of Partnership Agreement 2021-2027. 
• Just Transition Development Portfolio Fund – Financing with favourable terms for SMEs in Western Macedonia or selected municipalities in the Peloponnese with 2 programmes, for the transition to the post-lignite era.