Official launch of the Central Credit Register (CCR)
23/01/2026 - Press Releases
- The Central Credit Register, operated by the Bank of Greece, has been officially launched.
- The Central Credit Register for the first time allows citizens to obtain a complete picture of their credit exposure free of charge.
Access to the Central Credit Register (CCR) is now available at https://ccr.bankofgreece.gr/en/. The CCR is an electronic database that collects and stores, at a granular level, the payment history, types of collateral provided and any other information related to any form of credit granted to natural or legal persons by credit and, in general, financial institutions that have their registered office in Greece and by branches of foreign credit or financial institutions operating in Greece.
All borrowers can obtain an overview of their credit profile based on data reported by lenders to the CCR, in the form of a Credit Report, which is provided free of charge, following submission of a relevant online application. They can also request online free of charge an amendment to data contained in the Credit Report.
On the other hand, lenders that are connected to the CCR use the data made available to them in order to improve the quality and completeness of credit information about borrowers with whom they have signed or are about to sign a credit agreement, thus improving their credit risk assessment and management capabilities.
The CCR aims to enhance the financing of the real economy by the Greek financial system and to safeguard financial stability by improving the quality of available information, thereby enabling a more rational assessment of the creditworthiness of potential borrowers and, generally, contributing to more informed decision-making in relation to credit granting. At the same time, the operation of the CCR promotes the objectives of the European System of Central Banks (ESCB) and supports the supervisory functions of the Bank of Greece (BoG) and of the European Central Bank (ECB).
The CCR collects on a monthly basis and stores granular data about any form of credit equal to or exceeding the amounts of €2,000 (per lender and per borrower) for natural persons and sole proprietors and €5,000 (per lender and per borrower) for legal persons.
Data become available 25 working days after the end of the reporting month. For example, data reported by lenders on 30 November 2025 are already available and are used for the production of Credit Reports, while data reported on 31 December 2025 will become available after 6 February 2026.
The different types of credit on which data are collected include, indicatively, housing, consumer and business loans, leasing and factoring contracts, as well as the collateral provided for them. The CCR ensures data confidentiality, while providing modern digital information services.
The data held in the CCR are drawn exclusively from the monthly reporting of lenders, which include all credit and, in general, financial institutions that have their registered office in Greece (including their branches abroad), as well as the branches of foreign credit or financial institutions operating in Greece.
A non-exhaustive list of lenders required to report data to the CCR is provided below:
- Credit institutions
- Branches in Greece of credit institutions established abroad
- Factoring companies
- Leasing companies
- Credit servicing firms
- Credit institutions under liquidation
- Other financial institutions.
At the same time, the necessary identification information as well as general information on borrowers are cross-checked against data drawn from government entities, such as the Independent Authority for Public Revenue (IAPR), the General Commercial Register (G.E.MI.) and the Public Employment Service (DYPA).
The role of the Bank of Greece
The Bank of Greece, as the central bank of the country, is responsible by law for the design, development, management and seamless operation of the CCR, while acting as data controller. This facilitates the fulfilment of its supervisory tasks and financial stability mandate.
The CCR project was implemented by the Bank of Greece[1] and co-financed by the European Union (Next Generation EU), in the context of the action “Strengthening the capacity of the financial system to overcome legacy challenges and to finance the real economy”.
The CCR project is a work in progress. In the period ahead, data reporting by servicers and financial institutions under liquidation is expected to be completed.
The Bank of Greece keeps data in a manner that safeguards data integrity, confidentiality and availability, compliance with personal data protection legislation, as well as the seamless operation of the CCR.
At the same time, both the Bank of Greece, as a member of the Eurosystem, and the ECB use CCR services to the extent necessary for carrying out their tasks, especially as regards the supervision of the financial system, the conduct of monetary policy and the collection of statistics.
Related link:
Central Credit Register
[1] Statistics Directorate: V. Georgakopoulos, E. Starida, M. Papaefstathiou, G. Gouskos, V. Zapanti,
G. Giamas, A. Tzima, N. Doukas, M. Papamanousakis, I. Moraiti, S. Nega, E. Meletiadou, L. Athanasiou.
Information Systems Directorate: A. Kourentas, A. Papadimitriou, S. Karapatis, N. Psarras, A. Doka,
G. Stavroulakis, N. P. Nikolaou, K. Skiadiotis, E. Karadimas, E. Anastasopoulou, P. Kokkinakis,
D. Mermigas, E. Bampaletakis, P. Sebos, P. Theodoropoulos, I. Kokkinakis-Vasalas, K. Alexakis,
E. Stafidas, L. Papakonstantinou, G. Karkanis, Chr. Sakellariou, A. Koutsoukos, Ek. Dardoufa,
I. Fragkiadakis, M. Gennatou.
Legal Directorate: A. Oikonomou, Ph. Georganti, Chr. Vrettou.
Compliance Unit: Th. Myrsinis.
Economic Analysis and Research Directorate: Katerina Vasila, Eleanna Antonoglou, Vasilis Belecoukias, Aggeliki Papadopoulou, Michalis Sachinis, N. Lykomitros.
Communications Unit: A. Stylos, Vasiliki Siorou, Antigoni Panagiotopoulou, Maria Aliki Gourna.