Wallet+ is the digital wallet, powered by Hellas Direct, which offers you the opportunity to cover, through a loan provided by partner banks, all your vehicle needs: road tax, replacement of tyres, repair of an external damage, repair of a breakdown. You don’t have to pay in full once and for all. With wallet+ you can break the expense in monthly instalments, no credit card needed.

Wallet+ is available to everyone, no matter whether they are insured with Hellas Direct or not.

The financing is evaluated, approved and offered by cooperating credit institutions for amounts between €20 and €2,000, as per their relevant credit policy.

Lending rate

For amounts between €20 and €500 the interest rate is 0%!

For amounts between €501 and €2,000 the lending interest rate ranges between 12,6 and 19,6% and doesn't change throughout the financing period (the respective levy under Law 128/75, currently 0.6%, is included)

Below you can see the interest rates and the handling and operating costs, for each cooperating credit institution:

tbi bank
For amounts between €20 and €500, fixed interest rate 0%. It is paid in 4 instalments with every instalment having a €3 fee. The first instalment is paid with your debit card as soon as the financing application is approved.

For amounts between €501 and €2,000, fixed interest rate from 12.6 up to 19.6%. The lending rate is calculated exclusively for each customer during their funding application. Handling and operating costs amounting to €30 is being incorporated into the monthly instalments.

Pireaus Bank
Fixed lending interest rate 13%, available for amounts between €501 and €2,000. Handling and operating costs amounting to €25 and are collected upon the first instalment.

National Bank of Greece
Fixed lending interest rate 13%, available for amounts between €501 and €2,000. Handling and operating costs amounting to €24 for financing up to €1,000 and to €36 for financing over €1,000 and are collected upon the first instalment.

1. Start your application on wallet+
On wallet+ fill your vehicle's information, the vehicle’s owner tax declaration number and see the exact road tax you are required to pay. Next, select the bank from which you want to be financed and submit your application.

• For road tax between €20 and €500, the financing is exclusively provided by tbi bank.
• For road tax between €501 and €2000, you can select between tbi bank, Piraeus Bank and National Bank of Greece.

2. Continue to the online banking
Complete your application in the online banking of your selected bank by following the on-screen instructions.

3. Application approval
Your application is evaluated as per Bank’s relevant credit policy and completed usually under 3' minutes. When your application is approved, you will receive the bank’s response at your registered email. Please don’t forget to e-sign the financing agreement.

• For road tax between €20 and €500, you will be asked to pay the 1st instalment using your debit card.
• For road tax between €501 and €2000, you don’t have to pay anything at this step.

4. Road tax payoff
After your approval and the agreement signing, the funding amount is transferred to Hellas Direct. We pay your vehicle’s road tax right away without you having to do anything else.

5. Payoff confirmation
After 2-3 working days from your approval, you will be able to confirm that the road tax has been paid by visiting the official website of the Independent Authority for Public Revenue (IAPR) or download your document here.

6. Instalments’ payment

• For road tax between €20 and €500, you will be asked to pay the 1st instalment during the approval while the remaining 3 instalments every 30 days. You will just need your debit card.
• For road tax between €501 and €2000, you will be asked to pay your 1st instalment 30 days after your approval and the remaining instalments every other month.

If you chose tbi bank, your payments can be processed automatically through your debit card.
If you chose Piraeus bank or National Bank of Greece, your payments will processed automatically through your bank account selected provided during the application process.

1. Receive a repair offer from the garage of your selection
On wallet+ garage partners page, you can find the nearest garage depending on your vehicle's need. If you can not find one that suits you, don't forget that you can contact us in order to add it in our garage partners. Visit the garage and receive a repair offer, since the funding amount will be required during the next step.

2. Start your application on wallet+
On wallet+ page, fill some of your vehicle's information, select the garage that you already visited and the repair amount. Next, select the bank from which you want to be financed and submit your application.

• For repair between €20 and €500, the financing is exclusively provided by tbi bank.
• For repair between €501 and €2000, you can select between tbi bank, Piraeus Bank and National Bank of Greece.

3. Continue to the online banking
Complete your application in the online banking of your selected bank by following the on-screen instructions.

4. Application approval
Your application is evaluated as per Bank’s credit policy each time applicable and completed usually under 3' minutes. When your application is approved, you will receive the bank’s response at your registered email. Please don’t forget to online-sign the financing agreement.

• For repair between €20 and €500, you will be asked to pay the 1st instalment using your debit card.
• For repair between €501 and €2000, you don’t have to pay anything at this step.

5. Repair payoff
After your approval and the agreement signing, the funding amount is transferred to Hellas Direct. With the relevant invoice, we pay the garage immediately without you having to do anything else.

6. Instalments’ payment

• For repair between €20 and €500, you will be asked to pay the 1st instalment during the approval while the remaining 3 instalments every 30 days. You will just need your debit card.
• For repair between €501 and €2000, you will be asked to pay your 1st instalment 30 days after your approval and the remaining instalments every other month.

If you chose tbi bank, your payments can be done even automatically, through your debit card.
If you chose Piraeus bank or National Bank of Greece, your payments will be done automatically through your bank account selected during the application process.

If you choose to get funded from tbi bank

• For amounts between €20 and €500, you will need your smartphone, your debit card and a photo of your ID card.
• For amounts between €501 and €2,000, you will need your smartphone, your debit card, a photo of your ID card, your TAXISnet credentials or your recent tax clearance note.

In any case, you won't need a bank account or e-banking credentials.

If you choose to get funded from Piraeus Bank
You will need an account at Piraeus Bank and you will also have to use your winbank credentials. If you are an existing customer but you don't have winbank credentials, you can create them completely online. You will just need an active debit card. Also, you will need your TAXISnet credentials or your recent tax clearance note.

If you choose to get funded from National Bank of Greece
You will need an account at National Bank of Greece and you will also have to use your i-bank credentials. If you are an existing customer but you don't have i-bank credentials, you can create them completely online. Also, you will need your TAXISnet credentials or your recent tax clearance note.

We created a complete full mobility financing solution so that you can finance all your vehicle needs. You can choose from the below:

• Road Tax (car and motorcycle)
• Replacement of car tyres
• Car service
• Exterior damage or road accident
• Mechanical or electrical damage

But stay tuned! Very soon wallet+ will cover more services for your car and also your motorcycle’s needs allowing more choices and services’ combinations.

You can take your car to any garage you like. You can search your garage among our partner garages. If you don’t find the one that you were looking for, you can either select one from our partner's network or contact us so that we can add the garage you prefer to our network.