FAQs about investments

No. You may invest any amount.

Yes, provided you are a Gold Personal Banking or Private Banking client.

In this case you can carry out transactions from your computer, using myAlpha Web.

Yes, you pay 2 fees:

• An entry fee when you make the investment.
  
• A redemption fee when you redeem your investment.

Find out the entry and redemption fees on Alpha mutual funds.

Visit any Alpha Bank branch to apply.

You can redeem your entire investment or a part of it.

You receive the redemption amount directly into your account in 1-4 business days, depending on the mutual fund.

The final amount of the investment depends on the overall holding period, the payments you make and the average return on investment.

Example with 3% average return

You get:

• €18,022 for 10 years of holding and €15,000 invested amount
  
• €27,400 for 15 years of holding and €21,000 invested amount
  
• €50,946 for 25 years of holding and €33,000 invested amount

Example with 5% average return

You get:

• €20,469 for 10 years of holding and €15,000 invested amount
  
• €33,070 for 15 years of holding and €21,000 invested amount
  
• €69,995 for 25 years of holding and €33,000 invested amount

Example with 7% average return

You get:

• €23,337 for 10 years of holding and €15,000 invested amount
  
• €40,243 for 15 years of holding and €21,000 invested amount
  
• €98,183 for 25 years of holding and €33,000 invested amount

Investments in mutual funds may have negative returns.

The plan continues as normal.

On the next payment date, only the regular payment amount is charged, provided there is sufficient balance. There’s no catch-up for previous missed payments.

Yes. You have the highly qualified Alpha Bank team by your side. They will present in detail the features of the products and answer any questions you may have. 

Yes, to participate in mutual funds and redeem your shares. See the entry and redemption fees that apply to the mutual fund you have chosen.

Visit any Alpha Bank branch to apply.

You can redeem your entire investment or a part of it.

You receive the redemption amount directly into your account in 1-4 business days, depending on the mutual fund.

Yes, depending on their term.

For government bonds, you pay:

• 0.20% − from 0 to 1 year 
  
• 0.35% − from 1 to 3 years
  
• 0.50% − from 3 to 10 years
  
• 0.65% − >10 years

For corporate bonds, you pay:

• 0.30% − from 0 to 1 year 
  
• 0.50% − from 1 to 3 years
  
• 0.65% − from 3 to 10 years
  
• 0.80% − >10 years

Find out about the fees that apply to bonds in the transaction terms

Yes. The minimum amount you can invest is:

• €100,000 for bonds issued by Alpha Bank
  
• €20,000 for structured bonds

Yes. However, you will receive no interest, neither the contractual nor the Extra Profit one.

Yes. You can invest using an account with joint account holders.

No. You are not charged with any operating cost when you get an Extra Profit structured term deposit, throughout its term and at maturity.

Yes. However, you may lose part of your principal.

No, there is no principal protection like with a simple term deposit. The final amount you receive may be more or less than the initial investment, depending on the foreign exchange market performance.

Yes, there is an entry fee. You can find out more about the free in the Key Information Document of the variant you have chosen.

To open a joint investor account with other Alpha Finance members, you all need to have a personal brokerage account at Alpha Finance.

If so, book an appointment at the Alpha Bank branch of your choice and sign the:

• Application for the joint share account
  
• Authorization of use for the DSS

You can carry out transactions in:

• Athens Exchange
  
• Cyprus Stock Exchange