A new university, perhaps a new city, and for the first time, a daily routine that is yours to organise. Student life brings greater freedom, but also new responsibilities: rent, bills, things for your home, and shared expenses with your new friends. 

To get off to a more organised start, put together a simple checklist and lay the right foundations from day one. 

Buy what you really need first 

Before filling your basket with things for university and your new home, divide them into essentials and items that can wait. 

For larger, planned purchases, such as a laptop, headphones, or household equipment, Snappi Pay Later lets you pay in four interest-free instalments, without a credit card, at participating retailers. Participating retailers include Public, and you can explore all available Pay Later categories on the dedicated page. 

Before going ahead, make sure the instalments fit within your monthly budget. 

Work out your fixed monthly expenses 

Write down how much money you have available and divide it into key categories: rent, bills, groceries, transport, and entertainment. 

With Snappi Zero Fees, you can pay bills, send money, and make your everyday transactions with 0% commission charged by Snappi. 

Split shared expenses easily 

From household shopping to ordering food with friends, shared expenses can quickly become confusing. With Split the Bill, you can divide them through the Snappi app, without doing the maths or sending endless “how much do I owe you?” messages in the group chat. 

Start putting some money aside 

You do not have to wait until you earn a high income to start saving. Even a small amount each month can gradually help you build a financial safety net. 

The Snappi Savings Account offers a tiered annual interest rate of up to 2.25%, with no lock-in period, interest calculated daily, and interest credited monthly. Deposits are protected up to €100,000 by the Hellenic Deposit and Investment Guarantee Fund (TEKE). 

Manage your day-to-day finances from your phone 

With the Snappi app, you can check your balance and transactions wherever you are. And if you need help, support from a real person is available 24/7. 

Student life will bring many firsts. Managing your money does not have to be the hardest of them. 

Need help? 

If you need support at any step, the Snappi team is here for you 24/7. 

You can contact us via the chat in the Snappi app, by phone at +30 210 4838000, or by email at customer@snappibank.com.