# Eurobank (v-Banking + EVA virtual assistant)

> Source: https://docs.barcoder.ai/docs/wallets/eurobank
> research date 2026-05-29 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Eurobank — official](https://www.eurobank.gr/)

## Overview

**Eurobank Ergasias Services and Holdings** is **one of Greece's four systemically important banks** + **operator of v-Banking mobile app with EVA virtual assistant** <sup>[1][1], [2][2], [Greece report](https://docs.barcoder.ai/docs/payments/GR)</sup>. **2025 baseline**: **2M+ digital customers + 2,000 digital transactions/minute average + 3,000+ types of transactions via digital channels + 96% money transactions completed digitally + 25 years of digital banking leadership (since 2000)** + **only Greek systemic bank to win 17 awards at 2025 Global Finance World's Best Digital Bank Awards** + **2025 Global Finance "Best Consumer Digital Bank in Western Europe"**.

**Distinctive Eurobank positioning** <sup>[1][1], [3][3], [4][4]</sup>:
- **One of Greece's four systemically important banks** (alongside NBG + Piraeus Bank + Alpha Bank)
- **2M+ digital customers** through advanced digital ecosystem
- **2,000 digital transactions per minute** average
- **3,000+ types of transactions** via digital channels
- **96% of money transactions** (excluding cash) completed digitally
- **25 years of digital banking leadership** (since 2000) — distinctive Greek digital banking pioneer
- **17 awards at 2025 Global Finance World's Best Digital Bank Awards** — distinctive only Greek systemic bank
- **2025 Global Finance "Best Consumer Digital Bank in Western Europe"** + **"Best Digital Bank in Greece"**
- **EVA**: Eurobank's virtual assistant in v-Banking mobile app — distinctive Greek banking AI assistant
- **Multi-country presence**: 7+ countries (GR + CY + LU + BG + RS + RO + UK)

## History

**1990 — Eurobank founded** as **EFG Eurobank** in Greece (originally part of Latsis family-affiliated EFG Group).

**2000 — Eurobank e-Banking launches** — distinctive Greek digital banking pioneer (25 years of digital banking leadership since 2000).

**2007 — Eurobank EFG Ergasias** rebranding post-mergers with Greek banking peers.

**2012 — Greek financial crisis recapitalization** via HFSF.

**2014 — EFG Group exits Eurobank** + Eurobank operates independently.

**2019 — Eurobank reorganized** as Eurobank Ergasias Services and Holdings S.A. (ATHEX: EUROB).

**2020-2025 — Mass Greek digital banking expansion + EVA virtual assistant + v-Banking mobile app** <sup>[1][1], [3][3]</sup>.

**February 6, 2025 — Eurobank 25 Years of Digital Banking** anniversary <sup>[1][1]</sup>.

**October 20, 2025 — Eurobank "Best Consumer Digital Bank in Western Europe" 2025 Global Finance** <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **Eurobank Ergasias Services and Holdings S.A.** (ATHEX: EUROB).

**Major shareholders**: **Fairfax Financial Holdings (Prem Watsa Canadian insurance + investment holding; major shareholder ~33%) + Greek Helleniq State (post-Greek financial crisis recapitalization; gradually divesting) + various Greek + international institutional + ATHEX public float**.

**Regulators**: **Bank of Greece + HCMC (Hellenic Capital Market Commission) + ECB**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | Eurobank Mobile App / v-Banking (iOS + Android; primary GR retail-banking mobile channel; with EVA virtual assistant) + Eurobank e-Banking (Greek digital banking pioneer since 2000) + Eurobank Bank cards (Visa + Mastercard) + Eurobank Bank branch network |
| **Identifiers** | Phone + email + card number + Greek ID |
| **GR + EU rails** | **[IRIS QR](https://docs.barcoder.ai/docs/standards/iris-qr)** (DIAS IRIS Greek national instant payment) + **SEPA Instant Credit Transfer** (EU SEPA Instant) |
| **License** | Bank (Eurobank full Greek banking license; one of Greece's four systemically important banks) |
| **Sub-products** | Eurobank Account + Eurobank Cards + Eurobank Credit + Eurobank Mortgages + Eurobank Investments + Eurobank Insurance + Eurobank for Business + Eurobank Wealth Management + Eurobank Securities + Eurobank Mobile App / v-Banking + EVA virtual assistant (Greek banking AI assistant) + Digital Customer Onboarding for International Customers |
| **Distinctive 25 years of digital banking leadership since 2000** |
| **Distinctive 17 awards at 2025 Global Finance World's Best Digital Bank Awards** — only Greek systemic bank |

## Users & growth

**2025 baseline** <sup>[1][1], [3][3]</sup>:
- **2M+ digital customers** through advanced digital ecosystem
- **2,000 digital transactions per minute** average
- **3,000+ types of transactions** via digital channels
- **96% of money transactions** (excluding cash) completed digitally
- **25 years of digital banking leadership** (since 2000)
- **17 awards at 2025 Global Finance World's Best Digital Bank Awards** (only Greek systemic bank)
- **2025 Global Finance "Best Consumer Digital Bank in Western Europe"** + **"Best Digital Bank in Greece"**
- **One of Greece's four systemically important banks**

## Use cases

Greek + multi-country (Cyprus + Luxembourg + Bulgaria + Serbia + Romania + UK) retail + corporate + investment + wealth-management + insurance banking via Eurobank Mobile App / v-Banking + EVA virtual assistant + Eurobank e-Banking + cards + branches; IRIS national instant payment + SEPA Instant; Digital Customer Onboarding for International Customers.

## Implementations & partners

**Operator**: **Eurobank Ergasias Services and Holdings S.A.** (ATHEX: EUROB).

**Major shareholders**: **Fairfax Financial Holdings (Prem Watsa Canadian insurance + investment holding; major shareholder ~33%) + Greek Helleniq State (post-Greek financial crisis recapitalization; gradually divesting) + Greek + international institutional + ATHEX public float**.

**Major Greek banking + fintech competitors**:
- **[NBG (National Bank of Greece) Mobile Banking](https://docs.barcoder.ai/docs/wallets/nbg-greece)** (National Bank of Greece NBG; Greece's oldest commercial bank since 1841; NBG Mobile Banking top GR banking app with 2M+ users; eGov-KYC integration)
- **[Piraeus Bank (Piraeus app + winbank)](https://docs.barcoder.ai/docs/wallets/piraeus-bank)** (Piraeus Bank; Greek systemic bank; Piraeus app + winbank distinctive digital banking platform pioneer; multi-app-store availability iOS + Android + Huawei App Gallery)
- **Alpha Bank** (Greek major bank; Greek systemic bank)
- **Optima Bank** + **Attica Bank** + **Pancreta Bank** (Greek smaller banks)
- **Viva.com (formerly Viva Wallet)** (Greek fintech; JPMorgan acquired 48.5% stake 2022)
- **Revolut Greece** + **Wise Greece** + **Bunq Greece** + **N26 Greece** (European challenger banks in Greece)

**Eurobank multi-country subsidiaries**: **Eurobank Cyprus + Eurobank Private Bank Luxembourg + Postbank (Bulgaria; acquired) + Eurobank Serbia + Bancpost (Romania) + Eurobank UK**.

**Greek payment rail partner**: **DIAS** (DIAS IRIS Greek national instant payment).

**Regulators**: **Bank of Greece + HCMC + ECB + per-country**.

## Fun facts

- **One of Greece's four systemically important banks** (alongside NBG + Piraeus Bank + Alpha Bank).
- **2M+ digital customers** through advanced digital ecosystem.
- **2,000 digital transactions per minute** average + **3,000+ types of transactions** via digital channels + **96% of money transactions** completed digitally.
- **25 years of digital banking leadership** (since 2000) — distinctive Greek digital banking pioneer.
- **17 awards at 2025 Global Finance World's Best Digital Bank Awards** — distinctive only Greek systemic bank.
- **2025 Global Finance "Best Consumer Digital Bank in Western Europe"** + **"Best Digital Bank in Greece"**.
- **EVA**: Eurobank's virtual assistant in v-Banking mobile app — distinctive Greek banking AI assistant.
- **1990 founding as EFG Eurobank** (originally Latsis family-affiliated EFG Group).
- **2014 EFG Group exits Eurobank** + Eurobank operates independently.
- **2019 Eurobank reorganized** as Eurobank Ergasias Services and Holdings S.A.
- **Fairfax Financial Holdings (Prem Watsa Canadian insurance + investment holding) major shareholder ~33%** — distinctive Canadian-Greek banking shareholder dynamic.
- **Multi-country presence**: 7+ countries (GR + CY + LU + BG + RS + RO + UK).

## Comparison

| Feature | Eurobank | [NBG (National Bank of Greece) Mobile Banking](https://docs.barcoder.ai/docs/wallets/nbg-greece) (Greece's oldest commercial bank rival; NBG Mobile Banking 2M+ users) | [Piraeus Bank (Piraeus app + winbank)](https://docs.barcoder.ai/docs/wallets/piraeus-bank) (Greek systemic bank rival; Piraeus app + winbank distinctive Greek digital banking pioneer) | Alpha Bank (Greek systemic bank rival) | [BBVA Spain App](https://docs.barcoder.ai/docs/wallets/bbva-spain) (Spain #2 bank + 27+ countries + 24/7 Bitcoin trading comparable European AI banking) |
|---|---|---|---|---|---|
| Operator | **Eurobank Ergasias Services and Holdings S.A. (ATHEX: EUROB; Fairfax Financial Holdings Prem Watsa Canadian insurance + investment holding major ~33% + Greek Helleniq State post-financial-crisis recapitalization gradually divesting + Greek + international institutional + ATHEX public float)** | National Bank of Greece S.A. (ATHEX: ETE; HFSF + institutional + ATHEX public float) | Piraeus Financial Holdings (Piraeus Bank; ATHEX: TPEIR; Greek Helleniq State + Paulson & Co. + institutional + ATHEX float) | Alpha Bank S.A. (ATHEX: ALPHA) | BBVA (BME: BBVA; NYSE: BBVA; widely held) |
| Type | **Greek systemic bank + v-Banking mobile app with EVA virtual assistant + 2M+ digital customers + 2,000 digital transactions/minute + 3,000+ transaction types + 96% money transactions digital + 25 years digital banking leadership + 17 awards at 2025 Global Finance Best Digital Bank Awards (only Greek systemic bank) + 2025 Best Consumer Digital Bank in Western Europe** | Greece's oldest commercial bank since 1841 + NBG Mobile Banking top GR banking app with 2M+ users + eGov-KYC integration | Greek systemic bank + Piraeus app redesigned modern digital banking + winbank distinctive Greek digital banking platform pioneer + Piraeus Business app + multi-app-store availability | Greek systemic bank | Spain #2 bank + 27+ countries + Oct 2 2025 24/7 Bitcoin trading + BBVA Coach 200K+ Spaniards financial planning |
| Country | GR + 6+ other countries | GR + 12+ other countries | Greece | Greece primary | ES + 26+ countries |
| Users | **2M+ digital customers; 2,000 digital transactions/minute; 96% money transactions digital; 25 years digital banking leadership; 17 awards at 2025 Global Finance Best Digital Bank Awards (only Greek systemic bank)** | NBG Mobile Banking 2M+ users (top banking app in Greece) | Greek systemic bank | Greek systemic bank | ~70M clients worldwide |
| Distinctive | **1990 founding as EFG Eurobank (Latsis family-affiliated EFG Group); 2000 Eurobank e-Banking launch (25 years digital banking leadership pioneer); 2014 EFG Group exits Eurobank; 2019 reorganized as Eurobank Ergasias Services and Holdings; EVA Greek banking AI assistant in v-Banking; 17 awards at 2025 Global Finance Best Digital Bank Awards (only Greek systemic bank); 2025 Best Consumer Digital Bank in Western Europe + Best Digital Bank in Greece; Fairfax Financial Holdings Prem Watsa ~33% major shareholder (distinctive Canadian-Greek banking shareholder dynamic); 7+ countries multi-country (Eurobank Cyprus + Eurobank Private Bank Luxembourg + Postbank Bulgaria + Eurobank Serbia + Bancpost Romania + Eurobank UK)** | Mar 30 1841 founding in Athens (Greece's oldest commercial bank); eGov-KYC integration for mobile account opening; Money Box digital savings management; IRIS national instant payment integration | 1916 founding in Piraeus Greece (port-city banking heritage); 2000s mass Greek banking expansion via acquisitions; 2021 Piraeus Bank reorganized as Piraeus Financial Holdings; winbank distinctive Greek digital banking platform pioneer; Piraeus app multi-app-store availability (iOS + Android + Huawei App Gallery); Paulson & Co. US institutional investor shareholder | Greek systemic bank | 1857 Banco de Bilbao; 2025 AI integration app overhaul; BBVA Coach 200K+ Spaniards; Oct 2 2025 first major Spanish bank with 24/7 Bitcoin + Ether trading |

## Status

**Active, one of Greece's four systemically important banks + 25 years of digital banking leadership** <sup>[1][1], [3][3]</sup>:
- **Eurobank Ergasias Services and Holdings S.A.** (ATHEX: EUROB) since 1990 (EFG Eurobank founding); 2014 EFG Group exits; 2019 reorganized.
- **2M+ digital customers + 2,000 digital transactions/minute + 96% money transactions digital + 25 years digital banking leadership (since 2000)**.
- **17 awards at 2025 Global Finance World's Best Digital Bank Awards** — only Greek systemic bank.
- **2025 Global Finance "Best Consumer Digital Bank in Western Europe"** + **"Best Digital Bank in Greece"**.
- **EVA virtual assistant** in v-Banking mobile app — distinctive Greek banking AI assistant.
- **Fairfax Financial Holdings (Prem Watsa) ~33% major shareholder**.
- **Multi-country**: 7+ countries.
- **Bank of Greece + HCMC + ECB + per-country regulated**.

## Sources

[1]: https://www.eurobank.gr/en/group/grafeio-tupou/deltio-tupou-06-02-25 "25 Years of Digital Banking — Eurobank Feb 6 2025"
[2]: https://www.eurobank.gr/en/retail/electronic-banking/e-banking/general-information/general-info-e-banking "Discover the Eurobank e-Banking — Eurobank"
[3]: https://www.eurobank.gr/en/group/grafeio-tupou/deltio-tupou-20-10-25 "Best Consumer Digital Bank in Western Europe for 2025 by Global Finance — Eurobank Oct 20 2025"
[4]: https://www.eurobank.gr/en/retail/electronic-banking/mobile-and-apps/mobile-apps/eurobank-mobile-app "Eurobank Mobile App — Eurobank"
[gr-cro]: https://docs.barcoder.ai/docs/payments/GR

- [1] [25 Years of Digital Banking — Eurobank Feb 6 2025][1]
- [2] [Discover the Eurobank e-Banking — Eurobank][2]
- [3] [Best Consumer Digital Bank in Western Europe for 2025 by Global Finance — Eurobank Oct 20 2025][3]
- [4] [Eurobank Mobile App — Eurobank][4]
- <sup>[Greece report](https://docs.barcoder.ai/docs/payments/GR)</sup> In-corpus: `reports/countries/GR-greece.md`

## Source

Biography extracted from [eurobank.md](https://docs.barcoder.ai/source/wallets/eurobank). See `matrix.md` for standards-support matrix if present.