National bank

The National Bank of Greece (Εθνική Τράπεζα) branch in Andros Town is the most established banking facility on the island. Located at Empeirikou 53 in the island's main town, it offers counter services and an ATM, making it a key stop for travelers and residents who need to manage cash or conduct transactions during their time on Andros.

As one of the largest and most widely recognized banks in Greece, the National Bank operates a full branch here rather than just a cash machine. That distinction matters on a smaller Aegean island: you have access to a staffed counter, not just a standalone ATM, which is useful if you need to exchange currency, sort out a card issue, or handle anything that requires a real conversation.

The branch carries a 4.8 rating from 40 Google reviews — a strong score for a bank branch, suggesting the on-the-ground staff are responsive and the ATM is reliably maintained.

What to Expect

The branch sits on Empeirikou 53, a central street in Andros Town (also called Chora), well within walking distance of the main pedestrian thoroughfare and the town square. The building functions as a standard Greek bank branch: a staffed counter area for in-person transactions and at least one external ATM that accepts major card networks, including Visa, Mastercard, and Maestro.

For most visitors, the ATM is the primary point of contact. Greek ATMs operated by the National Bank are part of a wide interbank network, so foreign debit and credit cards generally work without issue, though your home bank may apply foreign transaction fees on its end. The machine dispenses euros, and withdrawal limits are set by your home bank rather than the machine itself.

If you need counter services — depositing funds, handling a bank transfer, or resolving an account issue — you will need to arrive during the weekday window and be prepared for the possibility of a short queue, especially in summer when the island is busier. The branch does not appear to offer an appointment booking system specific to this location, though the National Bank's wider digital and phone services are available through the main website.

There is no weekend access to counter services; the branch is closed Saturday and Sunday. The ATM, however, typically operates around the clock regardless of branch opening hours.

How to Get There

The branch is on Empeirikou 53 in Andros Town. Andros Town is the island's capital, perched on a narrow peninsula on the eastern coast. If you are arriving by ferry, the main port for passenger services is Gavrio on the northwest coast, roughly 35 km by road from Andros Town. Batsi, the mid-island resort town, is about 20 km from Andros Town.

From the main square (Plateia Kairi) in Andros Town, the branch is a short walk. The town center is largely pedestrianized, so driving directly to the door is not straightforward — park at one of the small lots on the edge of the Chora and walk in. Taxis are available from Gavrio port to Andros Town for those arriving by ferry without a rental car.

There is no dedicated parking at the branch itself, as it sits within the town's walkable core.

Best Time to Visit

The branch is open Monday through Friday, 8:00 AM to 2:00 PM. This is a standard Greek banking schedule. Arriving early in the morning — between 8:00 and 9:30 AM — gives you the best chance of a short wait at the counter. In July and August, Andros Town sees more foot traffic, and the branch can be busier mid-morning.

For ATM access only, time of day is less critical, since the machine runs outside of branch hours. That said, if you anticipate needing cash for a weekend or a public holiday, plan to withdraw it on a weekday before the branch closes for the weekend.

Greek public holidays will also close the branch, so if you are visiting around Orthodox Easter, August 15 (Assumption), or other national holidays, check ahead.

Tips for Visiting

• ATM availability outside hours: The ATM at Empeirikou 53 is expected to be accessible outside counter hours, but if you rely on it for a weekend withdrawal, check it is functioning before the branch closes on Friday.
• Bring your PIN: Greek ATMs require chip-and-PIN; contactless card withdrawals are not standard at most Greek bank ATMs.
• Foreign card fees: Your home bank will likely charge a foreign transaction fee or currency conversion fee on withdrawals. Check your bank's policy before your trip to avoid surprises.
• Counter queue in summer: If you need in-person services in July or August, arrive as close to 8:00 AM as possible to beat the mid-morning queue.
• Language: Counter staff at a branch in Andros Town will generally have working English, particularly for basic banking queries, but bringing a note with your request written out in Greek can smooth things along.
• No weekend counter service: Plan any in-person transaction for Monday through Friday. The branch is fully closed on Saturday and Sunday.
• Digital banking: The National Bank's mobile app (NBG Mobile Banking) and online platform handle many transactions remotely, which can save a trip to the branch for account holders.
• Phone contact: The branch can be reached at +30 2282 027008 during opening hours if you need to confirm a service before making the journey from another part of the island.

Practical Information

Address: Empeirikou 53, Andros Town, 845 00, Andros, Greece

Phone: +30 2282 027008

Opening hours:

• Monday–Friday: 8:00 AM – 2:00 PM
• Saturday–Sunday: Closed

ATM: Available at the branch; expected to operate outside counter hours.

Website: nbg.gr

Services available: In-person counter transactions, ATM cash withdrawal, standard retail banking.

Getting there: On Empeirikou 53 in the center of Andros Town (Chora). Accessible on foot from the main square; no dedicated branch parking.