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Convert Swiss franc loans into euro

Convert your mortgage loan from Swiss franc into euro under the favourable terms of Greek Law 5264/2025.
The deadline for submitting applications has expired.
Up to 50% lower exchange rate
Convert your Swiss franc loan into euro with 15%-50% lower exchange rate.
2.30%-2.90% fixed interest rate
Secure a fixed instalment for the entire loan term depending on your borrower category.
Reduced debt
The total amount you need to repay is reduced thanks to the favourable exchange rate.

Get the information you need

Find out everything you need to know about converting Swiss franc loans into euro according to Greek Law 5264/2025.

What Greek Law 5264/2025 specifies

Greek Law 5264/2025 establishes a uniform process for converting Swiss franc (CHF) mortgage loans into euro (EUR) with significant discounts.  

If you choose to make use of the provisions of Greek Law 5264/2025, you secure: 

  • From 15% to 50% discount on the conversion rate, depending on the borrower category you fall under. 
  • 2.30%–2.90% fixed interest rate for the remaining term of the loan.
  • €0 loan conversion fee. 
  • Option to extend your loan for up to 5 years, provided the younger borrower is up to 80 years old at loan maturity and the term with the extension does not exceed half of the remaining term before the extension.

This way, you can improve your financial planning, as you get:

  • Fixed monthly instalments until maturity.
  • Protection against the exchange rate and interest rate risk in the future.

What are the borrower categories

You are included in 1 of 4 categories, depending on your asset and income criteria.

Category 1

Convert your loan into euro with:

  • 50% lower exchange rate compared to the current euro-Swiss franc exchange rate
  • 2.30% fixed interest rate (+ Law 128/1975 levy) for the remaining term
Household composition
 Income  Real estate  Deposit limits 
Single-person household €7,500
 €125,000  €7,500
2-person household €11,000  €140,000  €11,000
3-person household or
single-parent family with 1 minor or
family with 1 non-dependent child		 €14,500 €155,000 €14,500
4-person household or single-
parent family with 2 minors or
family with 2 non-dependent children
 €18,000 €170,000 €18,000
Household with ≥ 5 members or
single-parent family with ≥ 3 minors		 €22,000
 €185,000 €22,000

Category 2

Convert your loan into euro with:

  • 30% lower exchange rate compared to the current euro-Swiss franc exchange rate
  • 2.50% fixed interest rate (+ Law 128/1975 levy) for the remaining term
Household composition
 Income Real estate Deposit limits
Single-person household €9,375
 €156,250 €9,375
2-person household €12,875 €171,250 €12,875
3-person household or
single-parent family with 1 minor or
family with 1 non-dependent child		 €16,375 €186,250 €16,375
4-person household or single-
parent family with 2 minors or
family with 2 non-dependent children
 €19,875 €201,250 €19,875
Household with ≥ 5 members or
single-parent familywith ≥ 3 minors		 €23,375
 €216,250 €23,375

Category 3

Convert your loan into euro with:

  • 20% lower exchange rate compared to the current euro-Swiss franc exchange rate
  • 2.70% fixed interest rate (+ Law 128/1975 levy) for the remaining term
Household composition
 Income Real estate Deposit limits
Single-person household €11,250
 €187,500 €11,250
2-person household €14,750 €202,500 €14,750
3-person household or
single-parent family with 1 minor or
family with 1 non-dependent child		 €18,250 €217,500 €18,250
4-person household or single-
parent family with 2 minors or
family with 2 non-dependent children
 €21,750 €232,500 €21,750
Household with ≥ 5 members or
single-parent familywith ≥ 3 minors		 €25,250
 €247,500 €25,250

Category 4

If you do not fall under any of the previous categories you may be included in category 4 and convert your loan into euro with:

  • 15% lower exchange rate compared to the current euro-Swiss franc exchange rate
  • 2.90% fixed interest rate (+ Law 128/1975 levy) for the remaining term

How you repay your loan

With equal fixed interest-bearing monthly instalments

Once we sign the additional deed for converting your mortgage loan, we open a new account in euro for you to pay your instalment by standing order. 

You pay equal, fixed interest-bearing monthly instalments, i.e. instalments that gradually repay interest and principal. 

Early loan repayment

You may repay your loan at any time without any charges.

Find out how you can repay your loan earlier in full or in part.

Can I convert a Swiss franc loan into euro?

Find out what you need to convert your Swiss franc mortgage loan into euro with favourable terms.

Apply provided you...

Have at hand...

  • The classification certification through gov.gr, provided you fall under categories 1-3.
  • Your income tax clearance certificate (latest).
  • Your Taxisnet credentials, if you haven’t updated your details and want to do so through eGov-KYC.
  • The supporting documents you’ll need, if you haven’t updated your details and choose to do so by uploading the documents.

Apply to convert your mortgage loan

Book an appointment at a branch to apply to convert your Swiss franc mortgage loan into euro.

The deadline for submitting applications has expired.

1. Get a certificate of classification of borrowers

Log into gov.gr and apply to get a certificate of classification in one of categories 1-3.

If you fall under category 4, you do not need a certificate of classification.

2. Complete the application

Once you get the certificate of classification, book an appointment to visit a branch near you.

Bring along the:

  • Certificate of classification.
  • Latest income tax clearance certificate.

We complete your loan conversion application together.

Find useful documents

Download the Guide of the General Secretariat for the Financial Sector and Private Debt Management of the Ministry of National Economy and Finance for converting Swiss franc loans into euro.

Guide of the General Secretariat of the Ministry of Finance for converting Swiss franc loans into euro (in Greek)

Any questions?

Find the answers you need about converting your Swiss franc mortgage loan into euro.

How is the euro-Swiss franc conversion rate calculated?

The conversion rate is calculated based on:

You do not pay a conversion fee.

I have taken out a mortgage loan with collateral. What happens with the mortgage lien?

The collateral you have provided remains in force.

In the future, can I convert my loan from euro into Swiss francs?

No. Once you convert your loan into euro, you cannot convert it back into Swiss francs.

Is it mandatory for all co-beneficiaries to consent to the conversion of the loan into euro?

No. However, the consent of the parties is desirable with:

  • Physical presence when signing the application
  • Written authorisation
View all the FAQs