Personal accounts: Greece
An honest assessment before work starts, the quote is fixed in writing.
Both residents and non-residents open personal accounts in Greece, but any account needs a Greek tax number. It is issued by the tax authority against a passport, and a foreigner can obtain one even before moving, including through a representative. Banks are supervised by the Bank of Greece. Dollar amounts use the European Central Bank rate of 5 October 2026, $1.12 per euro.
Who needs an account and why
- Property buyers: payment for the deal must go through a bank, and for the investor residence the money is transferred from abroad.
- Digital nomad visa holders, for rent, expenses and proof of funds. The visa requires income of at least €3,500 a month, about $3,930.
- New tax residents with large capital, for the regime with a flat €100,000 annual tax on foreign income when investing at least €500,000 in Greece.
More on relocation on our pages Greece investor residence and digital nomad visa.
We will calculate online the cost of opening a personal account and maintaining it for a year.
What you need
- passport and Greek tax number;
- proof of address in Greece or your country of residence;
- proof of income and source of funds;
- tax number of your country of residence and a tax information exchange form;
- for Russian nationals, an EU residence document if you have one.
Deposit protection and sanctions limits
Deposits are protected up to €100,000, about $112,100, per depositor per bank. Banks do not accept deposits over €100,000 from Russian nationals without EU citizenship or EU residence, under EU Regulation 833/2014.
Taxes on the account
- Deposit interest is taxed at 15%, withheld by the bank on each payment.
- Students and employees need an account for salary, rent and utilities.
- You become a Greek tax resident after more than 183 days in the country in a year.
- Greece sends non-residents' account details to their countries.
Tax incentives for people moving
- Work or business in Greece. Someone who was not a Greek tax resident in 5 of the last 6 years and moves to work pays income tax on only half of their salary or business income for 7 years.
- Pensioners can pay a flat 7% on foreign income for 15 years.
- Large capital: a flat €100,000 annual tax on foreign income when investing at least €500,000.
Every regime needs a Greek account: income passes through it, and it helps prove residence.
How opening works
- Tax number, at the tax authority or through a representative.
- Choosing a bank for your goal.
- Documents and source of funds.
- Identity check at a branch.
- Account, card and online banking.
Why banks refuse
- No tax number or address.
- Source of funds not proven.
- Sanctions risk by nationality or counterparties.
- Inconsistencies in the tax residency form.
- The address is not backed by documents.
What we do
Murblz specialists obtain the tax number, choose a bank, prepare documents and the source-of-funds explanation, and support the opening until the decision. If you are buying a home or moving, we link the account to those tasks. We quote the cost after a short consultation; the decision always rests with the bank.
What we do
- Personal account - opening assistance
See also
Company formation · Business account · Investment property · All country programs
FAQ
Can a non-resident open an account in Greece?
How do I get a Greek tax number?
Are deposits insured in Greek banks?
What is the tax on deposit interest in Greece?
Do I need a Greek account for investor residence?
What tax incentives exist for people moving to Greece?
How much income does the Greek digital nomad visa require?
Want to open a personal account in Greece?
We obtain your Greek tax number (AFM), choose a bank that fits your status, including golden visa applicants, and follow the account opening. Every country is in the searchable catalogue.
The Murblz consultant replies straight away in the chat on this page. Describe your situation and we will work it out together.
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