Athens

Figures are planning estimates for one person, reviewed June 2026. Run your own numbers in the cost calculator.

Eurobank, Alpha Bank, and National Bank of Greece are the major banks. Opening an account requires AFM (Αριθμός Φορολογικού Μητρώου — tax number), obtainable at the local tax office (DOY) with passport and proof of address. Process can be bureaucratic — patience is needed. Digital banking is improving but Greek banking is less advanced than Northern European systems. Revolut is increasingly used, especially by younger Greeks and expats. ATMs are widespread in urban areas but may be scarce on smaller islands. Cash is still used for many transactions, especially at small businesses and tavernas.

Errors in tax filing can result in significant penalties. Progressive income tax from 9% to 44%. DIGITAL NOMAD BENEFIT: DN visa holders are taxed on only 50% of their foreign employment income for 7 years — effectively halving the tax rate. Special 7% flat tax regime for foreign retirees who transfer their tax residence to Greece. Freelancers pay 22% on the first €10,000 of income, plus progressive rates. Social security contributions are approximately 15% for employees, 27% for self-employed. VAT at 24% (reduced rates for islands and essential goods). Greece has double taxation treaties with 50+ countries.

Full expat tax guide →

Important: Visa regulations change frequently. Always verify current requirements with the official embassy or consulate before making plans. This guide provides general information as of 2026. Digital Nomad Visa (launched 2021): requires minimum €3,500/month income from foreign sources, valid for 1 year (renewable for 2 more years). UNIQUE TAX BENEFIT: DN visa holders pay tax on only 50% of their foreign employment income for the first 7 years. EU citizens have free movement. Golden Visa program grants residency through property investment (€250,000 minimum in some areas, €500,000 in others). Non-lucrative visa for retirees with passive income. Student visa allows part-time work.

Compare visa options → · Nomad visa guide →

Understanding the healthcare system is crucial for any expat — it affects your daily peace of mind, your budget, and your visa eligibility. Here's a comprehensive guide based on real advisory experience. EOPYY (National Organization for the Provision of Health Services) provides public healthcare for insured residents. Quality is variable — hospitals in Athens and Thessaloniki are generally good, but island and rural facilities may be limited. The economic crisis of 2010s impacted healthcare investment, though recovery is ongoing. Private healthcare is recommended for expats — costs approximately €100-200/month. Popular private hospitals include Metropolitan Hospital, Hygeia Group, and Athens Medical Group. Many doctors in private practice speak English. Emergency care is free for everyone at public hospitals.

• Rich ancient history at every turn
• Mediterranean climate
• Affordable for eurozone
• Island hopping access (ferries from Piraeus)

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