Personal Banking

Current account

Your current account gives you instant access to your money so you can easily manage your everyday spending and budgeting. And when it comes to daily money management, we help you keep things simple with a debit card, chequebook, and an optional overdraft.

The best our Current Accounts have to offer:

Easily manage your banking needs

Use the Ancoria Bank Self-Service Kiosks, free of charge, to access your cash. You can also use any other Mastercard® accepting ATMs in Cyprus up to five times per month, free of charge. Set up standing orders and direct debits, and receive SMS notifications for debit card*** transactions and transfers

Deposit your salary and benefit

By depositing your salary directly into your current account, you can benefit from a lower debit interest rate on your overdraft of 8.44% APR 17.78%

Choose what’s best for you:

Opt in for an overdraft

The overdraft limit amount permitted will be according to your monthly income. You will be charged at the debit interest rate according to daily balances on a 365/366 days basis*

Option of different currencies

Open your current account in one of the following currencies: Euro (EUR), British Pounds (GBP), US Dollar (USD), Swedish Krona (SEK), Japanese Yen (JPY), Swiss Franc (CHF), Polish Zloty (PLN)

Self-Service Kiosks:

24/7 secure access

Withdraw and deposit cash and check your balances in a safe and pleasant environment within our Banking Centres. Simply use your debit card*** to gain entry anytime you want

Learn More

Useful information:

You can view all rates here

Representative example:

At Ancoria Bank, we want to make sure that you have all the information you need at all times. We’ve provided a representative example, that you can use as a guide.

Overdraft limit


Debit interest rate

Interest rates vary according to the usage of the account




*An overdraft limit of up to two monthly salaries with a maximum amount €10,000. The overdraft limit amount permitted will be according to your monthly income. You will be charged at the debit interest rate according to daily balances on a 365/366 days basis*

  • Overdraft Interest rate consists of the base + the margin. Interest Rate margin is the same for all currencies but the base varies based on the currency of the account as follows: i) BBRC for EUR, ii) BOE Bank rate for GBP, iii) NBP Reference Rate for PLN, iv) Riksbank Repo Rate for SEK, v) BOJ Basic Loan rate for JPY and vi) SNB Mid Target rate for CHF. For the definitions of the base rates used click here.
  • Capitalisation of Debit Interest will be done twice a year (on 30th June and on 31st December).

**APR (Annual Percentage Rate) has been calculated on 08/04/2024 based on the following:

  • Interest Rate: Bank’s Base Rate Consumer (BBRC) today at 3.29% + margin 5.75%
  • Initial charges: Processing fees of 1% charged on total amount of overdraft and documentation fees of €50
  • Overdraft limit: €5,000
  • Term: 3 months (revolving)
  • The APR will vary in the event that any of the above variables change

The above pricing refers only to Resident Customers. If you are Non Resident in Cyprus please click here.


***The Ancoria Bank Mastercard® Debit Card is issued by IPS Solutions Ltd pursuant an affiliate license by Mastercard International Incorporated. IPS Solutions Ltd is registered in Cyprus HE 346719 Registered Office: 62 Athalassas, Office 101, 2023, Strovolos, Nicosia, Cyprus. IPS Solutions Ltd is an authorised Electronic Money Institution, licensed, registered, and supervised by Central Bank of Cyprus with license number Your Ancoria Bank Mastercard Debit Card is governed by the General Terms and Conditions of Ancoria Bank Ltd. Your debit card will access the available balance in your Ancoria Bank current account. Ancoria Bank Ltd is licensed, registered, and supervised by the Central Bank of Cyprus with license number

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Warning: If you fail to meet your loan repayment plan, you may lose your home/other property.
Warning: In case of variable interest rates, the instalment amount and total cost of the facility may increase or decrease depending on variations in the base rate.

Disclaimer: Ancoria Bank Ltd may at its choice, reject an application/business relationship for legal, regulatory or other reasons and withdraw or amend any plan, at any time. The granting of credit facilities is subject to the granting of security acceptable to the Bank. In certain cases, the offer which Ancoria Bank Ltd may make, may differ, following an assessment of your personal financial and other circumstances.

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Banking made simple

myAncoria is an award-winning, handy app that lets you access your accounts anytime, anywhere. Track your expenses and transfer money between accounts in seconds. Stay on top of your financials no matter where you are. All with myAncoria. Access myAncoria from your PC, tablet, or mobile app.

If you have any questions, or simply need some help to get started

Call us on 8000 0050 or +357 22849000