With Greeks saving at one of the lowest rates in the eurozone, finding simple ways to encourage everyday investment has never been more urgent. This need lit the fire for EverydayInvest, the digital investing platform launched in partnership between Eurobank and everyoneINVESTED, a WealthTech spin-off of Belgium’s KBC. Designed to turn small, everyday transactions into long-term investment habits, the platform is already reshaping how Greek consumers engage with their finances.
To explore the thinking behind the platform and its early impact, FinTech Global’s Harry Slade spoke with Johan Lema, CEO of KBC Asset Management and Chairman of the Board at everyoneINVESTED, and Iakovos Giannaklis, Deputy CEO and Head of Retail and Digital Banking at Eurobank.
Building the foundations
The vision behind EverydayInvest is rooted in a simple, yet ambitious mission. “It’s about aligning every client with the opportunity to invest,” explains Lema. What started as KBC’s internal strategy to get every client investing has evolved into a standalone platform designed for broader partnerships, helping banks like Eurobank bring digital investment to the masses.
Historically, investment advice was largely the preserve of wealthier clients, restricted by the availability of advisors. Lema says the digital channel changed that equation entirely, “We now have a 24/7 platform that allows all clients to start investing. Every person benefits from investing—not just in the market, but in their own future.”
Eurobank has embraced this mission to tackle Greece’s savings gap and low financial literacy. “We have a platform that allows clients to invest small amounts automatically, bridging the gap between daily consumption and long-term financial growth,” says Giannaklis. EverydayInvest also aligns with EU initiatives to provide low-entry investment opportunities, allowing accounts to start from as little as €10.
Both leaders emphasise that the mission goes beyond wealth creation: it’s about fostering a habit. Lema adds, “We try to incentivise our clients to invest regularly over time, to build financial resilience, and even to plan for future generations.”
How EverydayInvest works
At its core, EverydayInvest turns everyday spending into investment. Purchases made with a debit card are rounded up to the next euro, with the spare change automatically invested in a global balanced fund. Registration is required only once, is fully digital and takes less than two minutes.
“It’s embedded in everyday life. Clients don’t need to initiate a transaction—they just continue their normal habits, and their small investments build up over time,” explains Giannaklis.
The early uptake has exceeded expectations. Without any marketing, thousands of clients discovered the service and began using it independently.
“Ninety percent of those clients had never invested with Eurobank before, mostly from the mass-market segment. They started investing with very small amounts,” says Giannaklis. The platform is attracting new customers, introducing them to investing in a way that is simple, safe, and accessible.
The combination of simplicity, accessibility, and digital convenience is already showing impact.
Lema points out that everyoneINVESTED brings years of expertise to ensure smooth regulatory compliance and seamless technical integration. “We provide both the know-how and the platform, allowing our partners to implement the solution natively within their own applications,” he says. This combination helps banks accelerate time to market while maintaining a high standard of investor protection.
A cultural fit
A successful partnership requires more than technology; it requires alignment on operations, culture, and objectives. Both Lema and Giannaklis highlight the extensive collaboration that underpinned EverydayInvest’s launch in Greece.
“We spent a week together going into the details, prototyping the solution, and understanding each other’s processes. That’s when all the pieces came together,” recalls Lema.
Cultural and operational fit was a key consideration. Eurobank’s Greek context demanded local adaptation without compromising the core logic of the KBC model.
“Even if clients are broadly similar, each bank has its own infrastructure, decision-making processes, and client relationships,” says Lema.
Eurobank chose to build the platform in-house, with guidance and support from everyoneINVESTED, ensuring it reflected the bank’s DNA while leveraging proven expertise.
From Eurobank’s perspective, EverydayInvest fits neatly into a broader digital transformation agenda focused on simplicity, automation, and embedding banking into daily life.
“Innovation and simplicity are two of the major values we’re trying to bring to our digital journey. EverydayInvest complements other initiatives like small monthly savings plans and discretionary digital portfolios,” says Giannaklis.
Both parties emphasise that the partnership is not just a one-off project but a strategic ecosystem. “The openness, flexibility, and commitment from day one created trust and allowed us to adapt a proven model for the Greek market,” explained Giannaklis.
Looking ahead
When speaking to both leaders, the optimism in the room is palpable. They view EverydayInvest as an opportunity for a behavioural shift, turning habitual consumption into consistent investment for the masses.
“The strongest partnerships aren’t just about simplicity or accessibility—they’re about creating an ecosystem where clients can learn, adapt, and invest as part of their everyday lives. That’s where real transformation happens,” concludes Lema.
For Eurobank, the platform represents a step-change in digital banking, combining financial literacy, innovation, and inclusivity. And for Greece’s savers, it offers an effortless way to start investing today for a more secure tomorrow.
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