Written complaint to a bank (Cyprus)
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This document is in Greek
The PDF you download is in Greek — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
A customer's written complaint to a bank in Cyprus about an account, card, transfer, loan or other service: what happened, when, the sum involved and what you ask for, with a request for a reference number and a reasoned written answer. The written complaint to the bank is the first step: it is made within 6 months of learning of the problem, and if the answer does not satisfy you, you can take the matter to the Financial Ombudsman within 12 months of the complaint.
What you fill in
The details the document asks for.
- City
- Date
- Customer
- Customer's address
- Bank
- Bank's address
- Customer's identity card or ARC number
- Customer's phone
- Product or contract (account, card, loan)
- Account number
- Date of the incident
- Amount claimed
- What the complaint is about
- Requested outcome
- Attachments
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- How long do you have to complain to a bank in Cyprus?
- In writing to the bank, within six months of when you learned, or should reasonably have learned, of the act or failure you are complaining about. The limit matters for the Financial Ombudsman to examine the case later, because the Ombudsman takes a complaint only once it has first gone to the bank. Send it by registered post, by hand against a signature or through the bank's complaints channel, and keep proof of the date.
- How long does a bank in Cyprus have to answer a written complaint?
- For the Financial Ombudsman, what matters is that the complaint went to the bank in writing first: if the bank does not answer within a reasonable time, or its answer does not resolve the problem, you can move on. For complaints about payment services, such as an account, card or transfer, the Payment Services Directive requires a much faster answer, within 15 business days and, in exceptional cases, up to 35. Ask for a reference number so the date of receipt can be proved.
- When can a complaint go to the Financial Ombudsman of Cyprus?
- Once it has been made to the bank in writing and the answer does not resolve it, or none comes within a reasonable time. It goes to the Ombudsman within twelve months of the complaint to the bank, and within eighteen months of when you learned, or should reasonably have learned, of the act or failure. The Ombudsman examines consumers' complaints against banks, insurers and other financial businesses; a complaint to the Office costs a €20 fee, and from 1 June 2026 the Ombudsman's decision is binding where the compensation does not exceed €20,000. Attach a copy of this complaint and of the bank's answer.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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