الرئيسية Expat Guides Greece

دليل المغتربين: العيش في اليونان 2026

Greece offers a compelling combination: Mediterranean lifestyle, ancient culture, excellent climate, affordable cost of living by EU standards, world-class cuisine and a strong expat community. The Financially Independent Person visa and a generous non-dom tax regime make it increasingly attractive to retirees and remote workers.

آخر تحديث: مارس 2026 — الفريق التحريري, eVisa-Card.com

نظرة عامة على اليونان

CapitalAthens
CurrencyEuro (€)
LanguageGreek
Monthly cost~$1,500–3,000 شهرياً

📋 Table of Contents

  1. Visa & Residency
  2. Healthcare
  3. Health Insurance
  4. Bank Account
  5. Buying Property
  6. الضرائب والإقامة الضريبية

🛂 خيارات التأشيرة والإقامة

نوع التأشيرةالتفاصيل
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000 شهرياً (€250 per additional adult, €150 per child). No work in Greece allowed. 2-year renewable permit. Must spend 183 days سنوياً in Greece.
Digital Nomad Visa (DNV)For remote workers with non-Greek employers/clients. Income ≥€3,500 شهرياً. 1-year permit, renewable once. Fast processing.
Golden VisaInvestment residency: real estate ≥€250,000 (higher in Athens, Thessaloniki: ≥€800,000 since Aug 2023). No stay requirement. 5-year renewable. Includes family.
Non-Dom النظام الضريبيFlat €100,000 سنوياً tax on all foreign-source income (regardless of actual income amount). Ideal for high-income individuals. Apply in the first year of residency. Valid 15 years.
EU/EEA CitizenFree movement rights. Register at the local municipality. No investment or income requirement.

Step-by-Step Process

  1. Apply for the appropriate visa at your local Greek consulate
  2. Upon arriving in Greece: obtain an AFM (Greek tax number) at the local Tax Office (Εφορία)
  3. Open a Greek bank account (required for most visa types)
  4. Register at the local Municipality (Δήμος)
  5. Apply for residence permit at the Aliens and Immigration Division (Υπηρεσία Αλλοδαπών)
  6. Apply for AMKA (social security number) at a KEP service centre
  7. Enrol in EOPYY (public health insurance) if eligible
  8. Apply for Non-Dom tax status if applicable (within the first year)
💡 نصيحة: Greece's Non-Dom tax regime (flat €100,000 سنوياً on all foreign income) is one of Europe's most attractive for wealthy individuals. If your foreign income exceeds ~€400,000 سنوياً, this regime saves significantly compared to standard Greek income tax rates.

🏥 الرعاية الصحية in Greece

الرعاية الصحية العامة

Greece has a universal public health system (ESY — Ethniko Systima Ygeias). Legal residents with an AMKA social security number can access public hospitals and health centres (Κέντρα Υγείας). The system has faced austerity-related challenges but has improved significantly. Wait times can be long.

الرعاية الصحية الخاصة

Private clinics and hospitals in Athens and Thessaloniki (Hygeia, MITERA, Metropolitan Hospital, Henry Dunant) offer high-quality English-language care. Quality in major cities is excellent; rural areas rely more on the public system.

Typical التكاليف

الخدمةالتكلفة
Public hospital consultation (with AMKA)€5–20 co-payment
Private استشارة طبيب عام€60–100
Private specialist€80–200
Private hospitalisation (لليلة الواحدة)€300–1,000
تنظيف الأسنان (private)€60–100
Prescription medicinesPartially subsidised for AMKA holders
ℹ️ موصى به: Obtain your AMKA number as soon as possible — this gives access to the public system. Add private health insurance for faster specialist access and English-speaking doctors.

🛡️ Supplementary Health Insurance

Private health insurance is not legally required for FIP or DNV visa holders (but you must demonstrate coverage for the visa application). Even after obtaining residency and AMKA access, private insurance is recommended for faster service and English-speaking doctors.

أفضل شركات التأمين للمغتربين

Interamerican (Achmea Greece)
Greece's largest private health insurer. Comprehensive hospital networks. From ~€80 شهرياً.
Allianz Hellas
Strong network, good international coverage for travellers. From ~€90 شهرياً.
AXA Greece
Solid plans with dental options. From ~€75 شهرياً.
Cigna Global
International plan for new arrivals and frequent travellers. From ~€120 شهرياً.
AXA Global Healthcare
Worldwide coverage, ideal for those not yet resident. From ~€130 شهرياً.
💡 نصيحة: For visa application purposes, you need proof of health insurance before arriving. Cigna Global or AXA Global Healthcare are easy to obtain internationally. Once resident with AMKA, consider switching to a local plan (Interamerican, Allianz Hellas) for better value.

🏦 Opening a Bank Account in Greece

A Greek bank account is required for paying rent, utilities, taxes and visa-related financial proof. An AFM (Greek tax number) is mandatory before account opening.

البنوك الموصى بها

National Bank of Greece (NBG) — Largest bank. Good English service in Athens and tourist areas. Strong online banking.
Alpha Bank — Modern digital platform. English-speaking branches in Athens. Popular with expats.
Piraeus Bank — Widespread branch network. Good for property-related transactions. Online banking in English.
Eurobank — Strong digital banking. Good for investment and savings products. English support.
Revolut / Wise — Not Greek banks but widely used by expats for daily transactions and international transfers. Cannot be used for visa applications.

المستندات المطلوبة

  • Valid passport or EU ID
  • AFM (Greek tax number) — mandatory
  • Proof of address in Greece (rental contract or utility bill)
  • Proof of income or funds
  • Greek phone number or SIM

Step-by-Step Process

  1. Obtain your AFM first at the local Tax Office (Εφορία) — bring passport and proof of address
  2. Visit bank branch in person
  3. Present passport, AFM and proof of address
  4. Account opened same day in most cases
  5. Online banking activated within 2–5 days
💡 نصيحة: Alpha Bank's Kolonaki (Athens) and Thessaloniki city centre branches have dedicated English-speaking staff for expats and investors. Always get your AFM before visiting the bank — account opening is refused without it.

🏠 Buying Property in Greece

EU/EEA citizens can freely buy property in Greece. Non-EU citizens can also buy (with some restrictions in border regions requiring special permits). Greece's Golden Visa requires minimum property investment of €250,000 (€800,000 in Athens, Thessaloniki and certain islands since August 2023).

Options for Foreigners

Freehold Purchase
Full ownership. Standard for all residential and commercial property. No restrictions for most nationalities.
Golden Visa Property
Minimum €250,000 (€800,000 in prime zones) qualifies for Golden Visa. Can be one property or multiple smaller ones totalling the threshold.
Off-Plan Purchase
Buying from developers. Lower prices but construction risk. Growing market in Athens, Crete and the islands.

عملية الشراء

  1. Obtain an AFM (Greek tax number)
  2. Hire a Greek real estate lawyer (αδικηγόρος)
  3. Sign a Preliminary Contract (Προσύμφωνο) and pay 10% deposit
  4. Lawyer checks title at the Land Registry (Κτηματολόγιο) for encumbrances
  5. Arrange finance or international bank transfer
  6. Sign the Final Notarial Deed (Συμβολαιογραφική Πράξη) before a Notary
  7. Register the transfer at the Land Registry

Typical التكاليف

Itemالتكلفة
Property transfer tax3.09% of objective (tax) value
Notary fees0.8–1% of property value
Land Registry fee0.475–0.575%
Lawyer fees1–2%
ENFIA (annual property tax)Variable — typically €200–2,000 سنوياً depending on location and size
Agent commission2% + VAT (paid by buyer in most cases)
💡 نصيحة: Golden Visa threshold changes (Aug 2023) raised the minimum to €800,000 in Athens, Thessaloniki, Mykonos and Santorini. Other regions remain at €250,000. Verify which threshold applies to your target location before negotiating.

حول هذا الدليل

This guide is researched and maintained by the editorial team at eVisa-Card.com. آخر تحديث: مارس 2026. Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

أدلة ذات صلة

جميع الأدلة
Retirement Visa Guide
Cheapest Countries to Retire

💰 الضرائب والإقامة الضريبية

ضريبة أرباح رأس المال
15%
النظام الضريبي
Non-Dom available
الموقف من العملات المشفرة
6/10
ضريبة الخروج
No (proposed)

ضريبة أرباح رأس المال: 15% flat CGT on crypto

النقاط الضريبية الرئيسية

  • 15% flat capital gains tax on crypto
  • Non-Dom regime: 100,000 EUR flat tax on worldwide income
  • Golden Visa: residency with 250k-800k property investment
  • EU/Schengen residency

احسب وفورات الضرائب

استخدم أداتنا المجانية لمقارنة وفورات الضرائب in Greece.

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📚 المصادر والمراجع الرسمية

الفريق التحريري — eVisa-Card.com

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✔ معلومات موثقة ✔ تحديث: مارس 2026 ✔ مصادر رسمية