Greece

First steps in Greece: AFM, bank, residence card and cost of living

Practical steps before and after arriving in Greece: tax number, bank, residence card, renewal and rent.

1 min read Updated

Contents
  1. Before and after arrival
  2. Rent (2026, approximate)
  3. Frequently asked questions

Almost every Greek residency route starts with an AFM (tax number) and a Greek bank account. After arrival, the residence application is filed, biometrics are taken and the card is issued. Since 2026 files are automatically assigned to the immigration office with the shortest queue.

Before and after arrival

  1. AFM: through myAADE with video identification (myAADElive), or via a representative or lawyer in Greece.
  2. Bank account: with your AFM, passport and proof of address; required for the golden visa.
  3. Residence application: filed online or through a lawyer, then biometrics; the legal decision deadline is 90 days after the file is complete.
  4. AMKA: your social security number for work and public healthcare, after residence or starting work.
  5. Renewal: possible up to 3 months after expiry, but with a €100 fine per month of delay; apply on time.

Rent (2026, approximate)

AreaAverage rentOne-bedroom flat
City of AthensAbout €13 per m²About €600–850 a month
Southern coastal suburbs of Athens (e.g. Vouliagmeni)Up to about €22 per m²Higher
ThessalonikiUp to about €12 per m²About €560 a month in the centre

Living costs for one person excluding rent are usually about €900 a month. Figures are approximate, based on asking-rent reports.

Frequently asked questions

How do I get a Greek AFM from abroad?

Through myAADE with video identification, or via a representative or lawyer in Greece; Imperial does this for its clients.

What happens if I renew my Greek residence card late?

You can renew up to 3 months after expiry, but there is a €100 fine for each month of delay.

How much is rent in Athens?

About €13 per m² on average; a one-bedroom flat is usually €600–850 a month.

Figures are approximate and reflect the position in October 2026.

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