Inicio Guías Expat Greece

Guía Expatriación: Grecia 2026

Grecia ofrece una combinación atractiva: estilo de vida mediterráneo, cultura ancestral, clima excelente, coste de vida asequible para los estándares de la UE, gastronomía de primera y una sólida comunidad de expatriados. La visa de Persona Financieramente Independiente y un generoso régimen fiscal no-dom la hacen cada vez más atractiva para jubilados y teletrabajadores.

Última actualización : Marzo 2026 — Equipo editorial, eVisa-Card.com

Greece de un Vistazo

CapitalAthens
MonedaEuro (€)
IdiomaGreek
Costo mensual~$1,500–3,000/month

📋 Índice

  1. Visa & Residencia
  2. Salud
  3. Seguro de Salud
  4. Cuenta Bancaria
  5. Comprar Propiedad
  6. Fiscalidad & Exilio Fiscal

🛂 Visa & Opciones de Residencia

Tipo de VisaDetalles
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000/month (€250 per additional adult, €150 per child). No work en Grecia allowed. 2-year renewable permit. Must spend 183 days/year en Grecia.
Digital Nomad Visa (DNV)For remote workers with non-Greek employers/clients. Income ≥€3,500/month. 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 Tax RegimeFlat €100,000/year 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.

Proceso Paso a Paso

  1. Apply for the appropriate visa at your local Greek consulate
  2. Upon arriving en Grecia: 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)
💡 Consejo Pro: Greece's Non-Dom tax regime (flat €100,000/year on all foreign income) is one of Europe's most attractive for wealthy individuals. If your foreign income exceeds ~€400,000/year, this regime saves significantly compared to standard Greek income tax rates.

🏥 Salud en Grecia

Salud Pública

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.

Salud Privada

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.

Costos Típicos

ServicioCosto
Public hospital consultation (with AMKA)€5–20 co-payment
Consulta médico general (privada)€60–100
Especialista privado€80–200
Private hospitalisation (per night)€300–1,000
Limpieza dental (private)€60–100
Medicamentos recetadosPartially subsidised for AMKA holders
ℹ️ Recomendado: 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.

🛡️ Seguro de Salud Complementario

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.

Mejores Aseguradoras para Expatriados

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

🏦 Abrir una Cuenta Bancaria en Grecia

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.

Bancos Recomendados

National Bank of Greece (NBG) — Banco más grande. 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.

Documentos Requeridos

  • Pasaporte válido or EU ID
  • AFM (Greek tax number) — mandatory
  • Comprobante de domicilio en Grecia (contrato de alquiler or factura de servicios)
  • Proof of income or funds
  • Greek phone number or SIM

Proceso Paso a Paso

  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. Cuenta abierta el mismo día en la mayoría de los casos
  5. Online banking activated within 2–5 days
💡 Consejo Pro: 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.

🏠 Comprar Propiedad en Grecia

EU/EEA citizens can freely buy property en Grecia. 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).

Opciones de Propiedad para Extranjeros

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.

Proceso de Compra

  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

Costos Típicos

ConceptoCosto
Property transfer tax3.09% of objective (tax) value
Notary fees0.8–1% of property value
Land Registry fee0.475–0.575%
Honorarios del abogado1–2%
ENFIA (annual property tax)Variable — typically €200–2,000/year depending on location and size
Comisión del agente2% + VAT (paid by buyer in most cases)
💡 Consejo Pro: 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.

Acerca de esta Guía

Esta guía es investigada y mantenida por el equipo editorial de eVisa-Card.com. Última actualización : Marzo 2026. Verifique siempre los requisitos actuales con fuentes gubernamentales oficiales y consulte a un profesional autorizado antes de tomar decisiones importantes.

Guías de Expatriación Relacionadas

Todas las Guías
Guía Visa Jubilación
Países más Baratos para Jubilarse

💰 Fiscalidad & Exilio Fiscal

Impuesto sobre ganancias
15%
Régimen fiscal
Non-Dom available
Cripto-compatibilidad
6/10
Exit Tax
No (proposed)

Impuesto sobre ganancias: 15% flat CGT on crypto

Puntos clave

  • 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

Simule sus ahorros fiscales

Use nuestro simulador gratuito de exilio fiscal para comparar sus ahorros en Grecia.

🚀 Simule sus ahorros fiscales →

Desarrollado por Taxes-Crypto.eu

Información fiscal proporcionada solo como orientación general. Consulte a un asesor fiscal cualificado.

📚 Fuentes Oficiales & Referencias

Equipo Editorial — eVisa-Card.com

Guías escritas por expertos en viajes, especialistas en inmigración y expatriados con experiencia directa en Greece.

✔ Información verificada ✔ Actualizado Marzo 2026 ✔ Fuentes oficiales citadas