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Alpha Bank CyprusAlpha 100
- Euro account
- Alpha e-Banking
- Free Alpha Bank ATM withdrawals
- Optional overdraft
Estimated annual cost
€36/year
Compare Available Personal Accounts in Cyprus
Almost every bank in Cyprus offers a personal account. Their differences hide in the details, from fees and cards to transfers, cash access, and online banking. Because of that, the banking experience can vary quite a bit from one provider to another.
We bring those details together so you can compare personal accounts from Cyprus banks and find the one that fits your needs perfectly.
Compare Personal Accounts
View provider
Bank of CyprusQuickAccount
- EUR, USD or GBP
- No maintenance fee
- Visa debit card
- App-based account management
Estimated annual cost
Free
Card membership remains free for customers aged 18-25.
EurobankBasic Account
- Euro account
- Basic debit card included
- Free euro ATM withdrawals
- No overdraft or chequebook
Estimated annual cost
€24/year
Ancoria BankCurrent Account
- EUR, GBP or USD
- Visa debit card
- 10 free Cyprus ATM withdrawals monthly
- Optional overdraft subject to approval
Estimated annual cost
€12/year
NBGCurrent Account Without Limit in Euro
- Euro account
- Debit card available
- Free NBG and JCC ATM withdrawals
- No arranged overdraft
Estimated annual cost
€37/year
cdb BankCurrent Account
- Multi-currency transactions
- Online and phone banking
- Mastercard Classic debit card
- Free euro ATM withdrawals in Cyprus and the eurozone
Account maintenance
Free without an overdraft
Separate debit card and transaction charges are not included.
Société Générale CyprusCurrent Account
- Multiple currencies
- No minimum balance
- Visa Electron card
- Online access and chequebook
Estimated annual cost
€100/year
WisePersonal Account
Multi-currency payment account
- Hold 40+ currencies
- Account details for 22 currencies
- Free digital card
- Withdraw up to €250 per month without a Wise ATM fee
Estimated annual cost
Free
RevolutStandard
Digital current account
- No account-maintenance fee
- Hold and exchange 30+ currencies
- First physical card: no issue fee; €6.99 delivery
- Up to €200 or 5 ATM withdrawals per month
Estimated annual cost
Free
Basics
What is a Personal Bank Account?
A personal bank account covers your everyday spending and money management. You can use it for card and digital payments, cash withdrawals, transfers, and receiving money.
Different banks offer different products and present accounts in ways unique to them. Because of that, “personal account” is not always the official product name. Depending on the bank, you may see anything from current and salary accounts to payment accounts or accounts with basic features.
They all offer everyday banking services, but they do not necessarily include the same perks.
What you get with a personal account depends on the bank and the product. Some bundle the essentials, such as a debit card and everyday transactions, while others offer broader current-account features such as chequebooks, overdrafts, multiple currencies or additional card options.
That is why we compare the account itself, not just the bank that provides it.
Don’t need a personal account?
Costs
What Will the Account Really Cost You?
The account maintenance fees that we help you compare are only the starting point.
The real cost can sometimes be affected by which transactions you make, how often you make them, and which channel you use. An account with a lower fixed fee can end up costing you more if it charges for services you use every month.
When comparing personal accounts in Cyprus with us, take a look at:
Regular Costs
Account maintenance and card fees are the easiest charges to spot because they apply on a regular basis.
Using Your Money
ATM withdrawals, transfers, standing orders and direct debits may carry separate fees, especially when you use another bank or complete a transaction in branch.
International Use
Foreign-currency payments and international transfers can add both transaction and exchange costs.
Extra Charges
Overdrafts, rejected payments, paper statements and certain account services may come with additional fees. We compare these costs alongside the account itself, so a low headline fee does not hide a more expensive way to bank.
Providers
Local Bank, Digital Provider or Both?
A personal account from a Cyprus bank can provide local branches, cash services, a Cyprus banking relationship, and access to other products offered by the same provider.
Digital providers offer a different experience, particularly for app-based money management, international transfers, or holding several currencies. However, they are not all licensed or structured in the same way.
If you are comparing the two with us, check:
- Branch and cash access
- Everyday account and card fees
- Transfer and currency exchange costs
- App and online banking features
- Salary, bills, direct debits and other regular payments
- Access to the local payment services or banking features you need
- Customer support and how easy it is to get help
And you really don’t need to choose one or the other. Some people use a Cyprus personal account for salary, bills and local banking, then use a separate digital service for travel or international payments.
Account and bank
Compare the Account & the Bank
Account features are the most important, but your experience will also depend on the provider offering them.
After narrowing down the personal accounts that suit you, compare the banks on:
Access
Can you use a branch, ATM, website and mobile app in the way you prefer? Look at how easy it is to access your money and complete everyday banking, including ATM coverage, cash deposits and the services available online versus in branch.
Support
Check how you can contact the bank, when support is available and what happens if your card is lost or a payment is blocked.
Other Products
If you expect to apply for a loan, mortgage or savings product later, you may prefer a bank that covers more of your financial needs. However, having a personal account does not guarantee approval or better terms for another product.
Deposit Protection
Eligible deposits at Cyprus-licensed banks are protected up to €100,000 per depositor, per bank, including accrued interest. If you hold several accounts with the same bank, the balances are normally combined for this limit.
The relevant protection can be different for a foreign bank branch or non-bank digital provider, so check which scheme or safeguarding arrangement applies.
Switching
Should You Switch Banks or Add a Second Account?
You should consider switching accounts if your current bank charges too much or does not offer services you need. Adding a second account can be a good alternative when you want to keep your existing setup but need something your current account does not handle well, such as backup access, cheaper transfers, another currency, or separate spending.
Switching makes sense if:
- Your regular banking fees are too high
- Important services are missing
- You repeatedly pay extra for cash or transfers
- The digital service does not meet your needs
- Accessing help or completing basic tasks is difficult
Cyprus has a formal bank account switching service that can take much of the admin off your hands. The new bank can coordinate with your old bank to move selected standing orders and direct debits, notify regular payers of your new account details, transfer your remaining balance, and close the old account if you ask it to.
A second account can be a good option if:
- You want to separate bills from everyday spending
- You need a backup card and another way to access money
- One provider is better for cash while another is better for transfers
- You want to manage shared expenses separately
- You regularly use another currency
A two-account setup works well as long as the additional fees and administration are worthwhile. Compare whether maintaining two accounts will cost more than the problem it solves.
How We Compare Personal Accounts
Personal-account information is often split between the main product page, card pricing, transaction tariffs, account terms and digital-banking information.
We bring those details together and organise them for you to compare.
We Check the Complete Account
We look into more than just the account maintenance fee. Where information is available, we check cards, cash withdrawals, transfers, supported currencies, ways to bank, eligibility and application methods.
We Compare Like With Like
A salary account, joint account and payment account with basic features are not automatically direct alternatives. We identify the account type and intended customer so you can compare relevant options because not every personal account is the same product.
Need an account for business income or expenses?
Compare business accountsWe’re Transparent About Missing Information
If we can’t confirm a fee, feature, or requirement, we let you know that the information is missing.
We Leave the Final Decision To You
We do not name one personal account as the best for everyone. Your best option depends on the transactions you make, the access you need, and the fees those choices create.
Guides
Personal Account Guides
Learn more about using, comparing, and managing personal accounts in Cyprus.
Banking guide
1 min read
How to open a bank account in Cyprus
Documents, residency checks and what to expect from remote versus branch opening.
Read guideBanking guide
1 min read
Bank account fees explained
Account maintenance, plus separate card, ATM and transfer costs.
Read guideBanking guide
1 min read
Local bank vs Revolut
How a local current account compares with a digital alternative for everyday use.
Read guide