หน้าหลัก Expat Guides Greece

คู่มือชาวต่างชาติ: การอยู่อาศัยในกรีซ 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.

อัปเดตล่าสุด: มีนาคม 2026 — ทีมบรรณาธิการ, eVisa-Card.com

ภาพรวมกรีซ

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

📋 Table of Contents

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

🛂 ตัวเลือกวีซ่าและการพำนัก

ประเภทวีซ่ารายละเอียด
Financially Independent Person Visa (FIP)For non-EU citizens with passive income. Requires €2,000 ต่อเดือน (€250 per additional adult, €150 per child). No work in Greece allowed. 2-year renewable permit. Must spend 183 days ต่อปี in Greece.
Digital Nomad Visa (DNV)For remote workers with non-Greek employers/clients. Income ≥€3,500 ต่อเดือน. 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 ระบบภาษีFlat €100,000 ต่อปี 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)
💡 เคล็ดลับ: Greece's Non-Dom tax regime (flat €100,000 ต่อปี on all foreign income) is one of Europe's most attractive for wealthy individuals. If your foreign income exceeds ~€400,000 ต่อปี, this regime saves significantly compared to standard Greek income tax rates.

🏥 การดูแลสุขภาพ in Greece

สาธารณสุข

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.

โรงพยาบาลเอกชน

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 ค่าใช้จ่าย

บริการค่าใช้จ่าย
Public hospital consultation (with AMKA)€5–20 co-payment
Private พบแพทย์ทั่วไป€60–100
Private specialist€80–200
Private hospitalisation (ต่อคืน)€300–1,000
ทำความสะอาดฟัน (private)€60–100
Prescription medicinesPartially subsidised for AMKA holders
ℹ️ แนะนำ: 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.

บริษัทประกันแนะนำสำหรับชาวต่างชาติ

Interamerican (Achmea Greece)
Greece's largest private health insurer. Comprehensive hospital networks. From ~€80 ต่อเดือน.
Allianz Hellas
Strong network, good international coverage for travellers. From ~€90 ต่อเดือน.
AXA Greece
Solid plans with dental options. From ~€75 ต่อเดือน.
Cigna Global
International plan for new arrivals and frequent travellers. From ~€120 ต่อเดือน.
AXA Global Healthcare
Worldwide coverage, ideal for those not yet resident. From ~€130 ต่อเดือน.
💡 เคล็ดลับ: 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.

ธนาคารแนะนำ

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.

เอกสารที่ต้องใช้

  • 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
💡 เคล็ดลับ: 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.

ขั้นตอนการซื้อ

  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 ค่าใช้จ่าย

Itemค่าใช้จ่าย
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 ต่อปี depending on location and size
Agent commission2% + VAT (paid by buyer in most cases)
💡 เคล็ดลับ: 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.

เกี่ยวกับคู่มือนี้

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

คู่มือที่เกี่ยวข้อง

คู่มือทั้งหมด
Retirement Visa Guide
Cheapest Countries to Retire

💰 ภาษีและการย้ายถิ่นฐานเพื่อภาษี

ภาษีกำไรจากการลงทุน
15%
ระบบภาษี
Non-Dom available
ความเป็นมิตรต่อคริปโต
6/10
ภาษีออกจากประเทศ
No (proposed)

ภาษีกำไรจากการลงทุน: 15% flat CGT on crypto

ประเด็นภาษีสำคัญ

  • 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

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