Fintech app Plum, which also has offices in Cyprus, has reported a noticeable shift in the investment behaviour of its Greek users in 2025.

According the company, this is the result of the local population responding to falling deposit rates and ongoing geopolitical instability.

Historically known for a strong saving culture and a preference for cash, Greeks are now turning to investments, reflecting a broader embrace of technology-driven financial tools.

Platforms like Plum have played a key role in this transformation by simplifying the process of saving and making investing more accessible to users previously daunted by the complexities of the market.

“Digital tools have lowered the barrier to entry for investing,” said Marily Mitropoulou, Country Marketing Manager for Greece at Plum.

“We’re seeing a new wave of investors, especially Millennials, who are taking small but consistent steps toward long-term wealth building.”

According to Plum’s data, the Greek investor base remains predominantly male, with men accounting for 81 per cent of users compared to 19 per cent women.

The most active age group is 25 to 34 years old, although 5 per cent are Gen Z investors aged 18 to 24, while 20 per cent are aged 45 and above.

“Many of today’s new generation of investors are at the start of their career, digitally fluent and increasingly financially literate,” Mitropoulou noted.

“They’re looking for tools that simplify decisions without oversimplifying their options and when they find that balance, they’re confident enough to start investing, even with small amounts.”

Recent volatility in financial markets has led Greek investors to reassess their strategies.

Tesla, which was the most popular stock among Plum users in 2024, has experienced a notable decline in interest.

Buy orders have dropped significantly, following a 27.4 per cent fall in the company’s stock price.

Tesla’s stock, which was valued at $379.28 on 1 January 2025, plunged to $221.86 by 8 April before partially rebounding to $275.35 as of 7 May, marking a net decline of around 27.4 per cent year-to-date.

In Tesla’s place, Greek investors are turning to other major tech firms, with NVIDIA, Apple, Palantir, Amazon, and Alphabet now ranking as the most popular stock choices amid heightened geopolitical concerns.

Plum’s data also indicates a growing Greek interest in Exchange-Traded Funds (ETFs), particularly those offering sectoral or geographic diversity.

Since January 2024, the most favoured ETFs have included technology-focused options like the Information Technology ETF, as well as those tied to the US market such as the Core US S&P 500, and energy-focused funds including the Global Energy and Energy S&P 500 ETFs.

While these top ETFs have remained largely consistent over the past year, data from 2025 shows a marked increase in Greek users’ preference for broad-market and diversified funds such as the Core US S&P 500 and the Bold Fund.

This trend reflects a growing focus on stability amid uncertain market conditions.

Overall, these shifts suggest that Greek investors are increasingly prioritising the construction of diversified portfolios aligned with global trends.

In parallel with the rise in investing, Plum’s automation tools continue to reinforce positive saving habits among its Greek users.

In 2025, the “Weekly” saving rule remains the most widely used, closely followed by “Automatic” and “Pay Day” saving settings.

Such habits point to a growing trust in automated saving methods in a country where many have traditionally preferred hands-on financial control.

“This data shows people want to make saving a background habit,” said Mitropoulou.

“It’s about reducing resistance and building discipline without needing to think about it every day.”

Despite ongoing macroeconomic pressures, including inflation and geopolitical uncertainty, Greeks appear increasingly committed to building financial resilience.

“At Plum, our goal is to make wealth-building accessible to everyone,” said Mitropoulou.

“Whether you’re investing €1 or €1,000, the important thing is to start and to stay consistent.”