What's the national average checking account interest rate in Greece?

The national average interest rate in Greece for new deposits was about 0.45% in January 2025 according to the Bank of Greece (BoG). tovima.com+1
For outstanding deposits, the average was about 0.49% at the same time. Οικονομικός Ταχυδρόμος - ot.gr+1

If you meant specifically “checking accounts” (current/sight accounts) rather than deposits broadly, the data is less granular — for example, one bank lists a 0.00 % interest rate for a sight/current account. nbg.gr+1.

Key Averages

• For new deposits: The weighted-average interest rate on new deposits in Greece was ≈ 0.31% in August 2025. eKathimerini

• For outstanding (existing) deposit balances: The weighted‐average rate on outstanding deposit amounts was about ≈ 0.32% in August 2025. eKathimerini

• For very short term / overnight household deposits: The rate remained extremely low — ≈ 0.03% in August 2025. eKathimerini

• Older data: For January 2025, the average for new deposits was ~ 0.45% and ~ 0.49% for all existing deposits. in.gr+2Οικονομικός Ταχυδρόμος - ot.gr+2

What this means & caveats

• The rates for current / “checking” (sight) accounts specifically are typically far lower than the weighted-average deposit rate, because sight accounts have very short (often zero) maturity and high liquidity. For example:

  • According to one bank’s published rate list: sight/current accounts had 0.00% interest. hellenicbank.com

  • Another source shows “overnight deposits” by households at ~0.03%. eKathimerini+1

• The weighted averages mix all deposit types (overnight + term + sight + business + household) so the specific rate you get on a checking account may be well below the headline average.

• The data is for banks in Greece overall, as reported by the Bank of Greece (BoG). The rate you get may differ depending on your bank, account size, whether there are special conditions (salary account, etc.).

 My estimate for checking (current/sight) accounts

Given the above:

• A standard checking/current account (with high liquidity, no locked term) in Greece is likely earning virtually 0% to maybe 0.03%, based on current published rates.

• If the account has additional conditions (e.g., linked to payroll, youth account, large balance) you may find slightly higher rates (but still very low compared to term deposits).