PERSONAL EXPRESS PACKAGE
The Personal Express Package combines three credit facilities – current account, personal loan and credit card - with the choice of both traditional and electronic banking products, whichever best meets your needs.
To enjoy the benefits of the Personal Express Package, you must arrange for your salary to be credited directly and automatically to your current account by your employer.
Current Account with Overdraft Limit
Salary Plus Current Account
Enjoy an overdraft limit of up to four times your gross monthly salary (up to a maximum of EUR20.000)
A competitive 3,25% (variable) paid on all credit balances up to EUR3.400
A debit card for use at ATMs, stores worldwide and for purchases via the Internet
You can also request a chequebook – the first one will be issued to you free of charge
You’ll be informed as soon as your salary has been credited to your account, and about purchases made using your card and all other transactions on your account via our free eBank Alerts service
Laiki eChecking Account
If you prefer to conduct your banking online, the eChecking account offers an overdraft facility of up to four times your gross monthly salary (up to a maximum of EUR15.000)
No securities required
Competitive debit interest rate
No banking charges (arrangement or documentation fees)
Chequebook, if required – the first one without charge
A debit card for making purchases and for withdrawals and deposits via ATMs
Management of your account (account balance, statement, transfers) via the Laiki eBank service channels - computer, telephone, ATM - available 24 hours a day
Every Personal Express overdraft limit, whether on a Salary Plus account or Laiki eChecking account, now includes mandatory insurance cover through the Credit Life scheme, ensuring low-cost cover in case of Permanent Total Disablement and/or death of the borrower. On the Personal Express Package, this cover is provided to you free of charge for the first 12 months!
Personal Loan
Personal Express Loan
Borrow up to three times your gross monthly salary (up to a maximum of EUR25.000)
Repayment period of up to 7 years
Peace of mind via Credit Life insurance (mandatory)
Laiki eLoan
A loan amount of up to three times your gross monthly salary, up to a maximum of EUR15.000, when your salary is credited directly to your account by your employer and up to EUR35.000 with blocking of deposits
Repayment period of up to 7 years
Offers the flexibility to build your loan the way you want it by selecting the monthly instalment amount, interest rate and repayment period that best suits you
Favourable pricing
No banking charges (arrangement or documentation fees)
Peace of mind via Credit Life insurance (mandatory)
More Information (link to eLoan)
Credit Card
Marfin Laiki Bank Classic or Gold Credit Card
With a limit of up to three times your gross monthly income (up to a maximum of EUR15.000)
Participation in the Marfin Laiki Bank cards’ loyalty scheme SureCash and thediscount scheme Card & Save
Flexible monthly payments with a minimum of 5% or 10% of the outstanding balance, or settlement of the whole balance each month
Free travel insurance on gold credit cards
Laiki eCard Gold or Classic Credit
A credit limit of up to three times your gross monthly salary (up to a maximum of EUR15.000)
Flexible monthly payments with a minimum of 5% or 10% of the outstanding balance, or settlement of the whole balance each month
Free travel insurance on eCard Gold (with limits of EUR5.000 and above)
Great offers through eBank eXtras
All of the above features, combined with exceptionally low or even zero bank charges, make the Personal Express Package a great choice for all employees!
Additional Benefits for Personal Express Customers
A discount of 15% (up to €125) from Laiki Insurance on the first year’s premium for home insurance (building or comprehensive cover) and a discount of 12,5% (up to €100) for the first year on fully comprehensive motor insurance. The discounts are granted provided that the insurance cover is purchased directly from Laiki Insurance and is not available in conjunction with any other offer from Laiki Insurance.
Finance of up to EUR34.000 at preferential interest rates according to the amount of finance and the amount of the downpayment:
New cars from 3,50% flat (APR 6,73%)
Used cars from 4,00% flat (APR 7,67%)
Other items from 5,45% flat (APR 10,38%)
The granting of credit facilities is subject to the provision of adequate securities in favour of Marfin Laiki Bank. Marfin Popular Bank Public Co Ltd, as well as any of its subsidiaries, dependent and/or associated companies reserves the right to reject any customer application at its absolute discretion, where the terms and conditions set are not met.
Marfin Laiki Bank reserves the right to modify the minimum criteria / characteristics of the products at any time, or to withdraw them at any time, without prior notice.
The Credit Life scheme is offered directly through the branches of Marfin Popular Bank Public Co Ltd (Tied Insurance Agent of Laiki Cyprialife Ltd, Registration Certificate Number 1963).
Home Insurance falls under the Accident, Fire and Other Damage to Property, General Liability and Goods in Transit classes of insurance. Motor Vehicle insurance (which also includes Comprehensive Insurance) falls under the Motor Insurance class. The products are provided by Laiki Insurance Company Ltd, 35-37, 45 Vyzantiou Street, 2064 Nicosia, tel: 22 887600.
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