Moving to Greece

Moving to Greece: visas, tax and first steps

Moving to Greece is simple for EU and EEA citizens, who can live there freely and register after three months. Most other nationals need a national visa and then a residence permit, through the financially independent person (FIP) route, the digital nomad visa, a work permit or the property-based Golden Visa. After arrival come a tax number (AFM), a bank account, a social security number (AMKA) and a decision on tax residence.

Last verified: 20 October 2026
€3,500
Monthly income for the FIP and digital nomad visas
Stathaki-Tsopela; EY Greece
183 days
In Greece in any 12 months makes you a tax resident
KPMG Greece summary
7%
Flat tax on foreign pension income, up to 15 years
AADE decision A.1192/2026
87.4
Greek price level, EU average = 100 (2025)
Eurostat
In this guide

Living in Greece as an expat: who can move

EU and EEA citizens can move to Greece without a visa. Almost everyone else needs a national visa and then a residence permit, chosen by how you will support yourself.

For EU and EEA citizens, the right to live in Greece comes from EU free movement law. After the first three months you may be asked to register, and pensioners show comprehensive health insurance and enough resources to support themselves, according to the European Commission’s Your Europe portal. In Greece the registration certificate (βεβαίωση εγγραφής) is issued by the Hellenic Police aliens offices. Swiss, Norwegian, Icelandic and Liechtenstein nationals follow similar rules.

Citizens of the United States, the United Kingdom, Canada, Australia, Israel, Turkey, the UAE, Lebanon and China are third-country nationals. They can visit for short stays, but living in Greece needs a permit. UK nationals who moved before 1 January 2021 hold rights under the Withdrawal Agreement. UK nationals moving now apply for a Type D national visa before arrival and a residence permit after it, according to the UK government’s Living in Greece guide (updated 2026).

Tax residence and residence permits are separate. A permit lets you live in Greece. Where you are taxed depends on where you actually live and how many days you spend there.

Visa and residence permit routes for relocating to Greece

Relocating to Greece from outside the EU usually means one of four routes: the financially independent person (FIP) visa, the digital nomad visa, a work-based permit or the property-based Golden Visa. Each has its own income or investment test.

RouteWho it suitsKey conditionCan you work in Greece?
EU/EEA free movementEU and EEA citizensRegister after 3 monthsYes
FIP visaRetirees and people living on passive income€3,500 a month, plus 20% for a spouse and 15% per childNo
Digital nomad visaRemote employees and freelancers with clients abroad€3,500 a month net, plus 20% for a spouse and 15% per childOnly for employers or clients outside Greece
Golden VisaProperty investors€250,000, €400,000 or €800,000 depending on area and property typeNo salaried work
Work permit or EU Blue CardPeople with a job offer from a Greek employerEmployer and job conditionsYes, for that job

The FIP figures come from the law firm Stathaki-Tsopela, which says the permit lasts three years and is renewable. The digital nomad visa was created by Law 4825/2021. EY Greece’s tax alert states the visa lasts up to 12 months and can be followed by a two-year renewable permit. Golden Visa thresholds are set by Law 5100/2024: €800,000 in Attica, Thessaloniki, Mykonos, Santorini and islands with more than 3,100 residents; €400,000 elsewhere; €250,000 for conversions and listed buildings.

The full list of permit types is on our Greek residence permits page. Retirees should also read retire in Greece.

First steps after moving to Greece

The first practical steps are a Greek tax number, a bank account, a social security number and, for EU citizens, registration of your stay. Most other tasks depend on these.

  1. Tax number (AFM, ΑΦΜ). Issued by the Independent Authority for Public Revenue (AADE). You need it to rent, buy, open a bank account and sign utility contracts. Many people get it before they move. See how to get an AFM and a bank account.
  2. Bank account. Greek banks ask for a passport, an AFM and proof of address and income.
  3. Residence registration or permit. EU citizens register their stay with the police. Non-EU nationals apply for their permit after arrival. The UK government advises UK nationals to register their address with the Hellenic Police within 90 days.
  4. Social security number (AMKA, ΑΜΚΑ). Needed for public healthcare and benefits. The UK government’s healthcare guide says residents get it at a citizens’ service centre (KEP).
  5. Tax return. Greek tax residents file a return every year. The UK government guide also notes an annual declaration of assets, including assets abroad.
Keep certified translations and apostilled copies of birth and marriage certificates. Greek offices often ask for them.

Tax residence and special tax regimes

You become a Greek tax resident if your permanent home, habitual abode or centre of vital interests is in Greece, or if you spend more than 183 days there in any 12-month period, according to KPMG’s Greece summary. Greek tax residents are taxed on worldwide income.

Greece offers three special regimes to new residents under the Income Tax Code (Law 4172/2013). Each requires that you were not a Greek tax resident for most of the previous years, and each needs an application to AADE.

RegimeWho it is forTax treatmentDuration
Article 5A (non-dom)Investors not tax resident in 7 of the last 8 years who invest at least €500,000€100,000 a year on foreign income, plus €20,000 per covered relativeUp to 15 years
Article 5B (pensioners)People with a foreign pension, not tax resident in 5 of the last 6 years7% flat tax on foreign incomeUp to 15 tax years
Article 5C (workers)Employees and self-employed people starting work in Greece, not tax resident in 5 of the last 6 years50% exemption on Greek employment or business income7 tax years

Sources: PwC Worldwide Tax Summaries (reviewed 8 September 2026) for Articles 5A and 5C. For Article 5B, AADE decision A.1192/2026 set a yearly application deadline of 31 October and payment by the last working day of December. Read our 7% pensioner tax guide for details.

Housing: renting or buying a home in Greece

Most people rent first and buy later, once they know the area. Rents are rising faster than incomes in many cities, so budget for that.

Asking rents rose 1.3% nationally and 4.5% in Attica in the year to the second quarter of 2026, according to Spitogatos. ELSTAT’s consumer price index shows actual rents up 5.9% in the year to September 2026. In Athens, the number of homes advertised for rent fell in the third quarter of 2026, according to xe.gr listings. Our rent in Athens data page tracks rents by area.

Foreigners can buy property in Greece on the same terms as Greeks in most of the country. Some border areas need a permit for non-EU buyers. See how to buy property in Greece as a foreigner and the costs of buying.

Transfer tax on resales is 3% plus a 3% municipal surcharge on the tax, or 3.09% in total. A draft bill in public consultation until 1 November 2026 proposes a higher rate for buyers who are not EU or EEA tax residents from 1 July 2027. It is a draft, not law. See our report.

Healthcare for expats in Greece

Greece has a public National Health System (ESY, ΕΣΥ). Residents who work and pay social insurance use it on the same basis as Greek citizens. People who do not work usually need an S1 form or private insurance.

  • EU and UK state pensioners can register an S1 form with the National Organisation for Healthcare Services Provision (EOPYY). The UK government’s Healthcare in Greece guide sets out this route for UK State Pension holders.
  • Non-EU residents who do not work take out private health insurance. Proof of cover is needed for a visa and permit.
  • US citizens: Medicare usually does not cover care outside the United States, according to Medicare.gov.

Private health insurance premiums depend on age and cover. No official average premium is published.

Schools and education

Greek state schools are free and teach in Greek. Private and international schools charge fees and some teach in English or follow the International Baccalaureate.

Greek households spent an average of €64.54 a month on education in 2025, or 3.5% of their budget, according to ELSTAT’s Household Budget Survey 2025. That figure covers all households, including those without children. School fees vary widely by school and are not published centrally.

Cost of living in Greece at a glance

An average Greek household spent €1,820.20 a month in 2025, and an Attica household €2,081.78, according to ELSTAT. Consumer prices in Greece were 87.4% of the EU average in 2025, Eurostat data show.

IndicatorFigureSource
Average monthly household spending, Greece€1,820.20ELSTAT, Household Budget Survey 2025
Average monthly household spending, Attica€2,081.78ELSTAT, Household Budget Survey 2025
Price level, household consumption87.4 (EU = 100)Eurostat, 2025
Annual inflation5.0%ELSTAT CPI, September 2026
Monthly minimum wage€920Ministerial decision, from 1 April 2026

Inflation rose to 5% in September 2026, with housing costs up 14.7%. See our report. Full breakdowns are on cost of living in Greece and cost of living in Athens.

The €10,000 relocation grant

Greece pays €10,000 to households that move their main home to certain northern and border areas. The decision’s household definitions refer to Greek citizens, so check eligibility before you plan around it.

The scheme runs under joint ministerial decision 22695 (Government Gazette B’ 6139, 9 October 2026). It pays two €5,000 instalments and covers up to 1,000 households in 11 regional units, including Evros, Florina, Kastoria and Ioannina. The decision’s household definitions refer to an adult Greek citizen who files Greek tax returns. Applications go through relocation.vouchers.gov.gr. See the official rules.

Driving licences and pets

EU and EEA driving licences are valid in Greece. Several non-EU licences can be exchanged for a Greek one, and pets need a microchip and rabies vaccination.

  • UK licences: valid for up to six months of residence. After that, UK residents exchange them for a Greek licence, according to the UK government.
  • US, Canada, Australia, Japan, South Africa and South Korea: gov.gr lists a service to convert these licences into a Greek one.
  • Other countries: check with your regional transport directorate before you move.
  • Pets: dogs and cats need a microchip and a rabies vaccination given at least 21 days before travel. From outside the EU you also need an EU animal health certificate, and many countries require a rabies antibody test with a three-month wait, according to Your Europe.

Frequently asked questions

Can a US citizen move to Greece?

Yes. A US citizen needs a Greek national visa and then a residence permit. The usual routes are the financially independent person (FIP) visa, the digital nomad visa, a work permit or the property-based Golden Visa. Each has its own income or investment test. See Greek residence permits for the full list.

How much money do I need to move to Greece?

The FIP and digital nomad routes each require about €3,500 a month in income, plus 20% for a spouse and 15% per child, according to the law firm Stathaki-Tsopela and EY Greece. The Golden Visa requires a property investment of €250,000 to €800,000. EU citizens only need to show they can support themselves.

Do I pay tax in Greece if I live there?

If you live in Greece for more than 183 days in any 12-month period, or your main home and interests are there, you are normally a Greek tax resident and taxed on worldwide income. Double tax treaties can change this. Special regimes offer a 7% rate for foreign pensions and a 50% exemption for new workers.

Is healthcare free for expats in Greece?

Public healthcare is available to residents who pay Greek social insurance and to EU and UK pensioners with a registered S1 form. Other residents who do not work usually need private health insurance, which is also required for a visa and permit. Medicare does not normally cover care outside the United States.

Can I buy property in Greece and live there?

Buying a home does not by itself give a non-EU citizen the right to live in Greece. A purchase of at least €250,000, €400,000 or €800,000, depending on area and property type, can qualify for a Golden Visa residence permit. EU citizens can buy and live in Greece without a permit.

What do I need first when moving to Greece?

Start with a Greek tax number (AFM). You need it to rent, buy, open a bank account and sign utility contracts. Then open a bank account, register your stay or apply for your permit, and get a social security number (AMKA) for healthcare. See our AFM guide.

Sources

This page explains published rules and data; it is not legal, tax or investment advice. Proposals and announcements are marked as such and are not law until published in the Government Gazette. Track changes in the regulation tracker.

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