{"id":43877,"date":"2025-03-26T15:27:24","date_gmt":"2025-03-26T13:27:24","guid":{"rendered":"https:\/\/accessfinancial.com\/?post_type=country-guides&#038;p=43877"},"modified":"2026-08-21T14:58:19","modified_gmt":"2026-08-21T11:58:19","slug":"greece","status":"publish","type":"country-guides","link":"https:\/\/accessfinancial.com\/nl\/country-guides\/greece\/","title":{"rendered":"Greece"},"content":{"rendered":"\n<div id=\"overview\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"nv-iframe-embed\"><iframe loading=\"lazy\" title=\"Hire, pay and move talent anywhere \u2014 compliantly | Access Financial\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/OsUQCdOelLE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n<div id=\"country-guide-details\"><div class=\"flag-container\"><svg class=\"icon\"><use xlink:href=\"#flag-for-greece\"><\/use><\/svg><span class=\"has-medium-font-size\">Greece<\/span><\/div><div class=\"details-inner\"><div class=\"meta-row\"><span class=\"meta-label\">Total population:<\/span><span class=\"meta-value\">~10.37 million (2025)<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Capital:<\/span><span class=\"meta-value\">Athens<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Currency<\/span><span class=\"meta-value\">Euro (EUR)<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Total number of expats:<\/span><span class=\"meta-value\">Approx. 758,016<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Local Language(s):<\/span><span class=\"meta-value\">Greek<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Weather:<\/span><span class=\"meta-value\">Mediterranean \u2013 hot, dry summers and mild, wet winters (e.g. 30\u00b0C in July, 10\u00b0C in January)<\/span><\/div><div class=\"meta-row\"><span class=\"meta-label\">Biggest cities:<\/span><span class=\"meta-value\">Athens, Thessaloniki, Patras, Heraklion<\/span><\/div><hr><div class=\"meta-row\"><span class=\"meta-label\">Minimum salary levels<\/span><span class=\"meta-value\"><p>\u20ac920 per month (from 1 April 2026)<\/p>\n<\/span><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Country Overview<\/h2>\n\n\n\n<p>Greece is a culturally rich and inviting EU member state, known for its historic heritage, stunning islands, and relaxed Mediterranean lifestyle. As both an EU and Schengen country, it offers a balance of modern amenities and traditional charm, with Athens serving as the economic, political, and cultural hub alongside vibrant centres such as Thessaloniki, Patras, and Heraklion.<\/p>\n\n\n\n<p>Greece offers a growing labour market with strengths in Tourism, Shipping, Technology, Financial Services, and Life Sciences. English is widely understood in business and tourism settings, and a population of around 10.37 million includes approximately 758,000 expatriates. EU, EEA, and Swiss nationals enjoy full freedom of movement, while non-EU nationals (including post-Brexit UK citizens) require a long-stay National Visa (Type D) plus a residence permit to live and work in Greece.<\/p>\n\n\n\n<p>*<em>This guide is intended for general informational purposes only and should not be viewed as legal or tax advice. The information discussed may change frequently, and Access Financial cannot guarantee that all content remains current at all times.<\/em><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">2026 Key Legislative Updates<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Law 5246\/2025 cuts personal income tax brackets by <strong>2 percentage points<\/strong> from January 2026 and introduces a new 39% band on \u20ac40,000\u2013\u20ac60,000 and 44% above \u20ac60,000. Workers under 25 pay <strong>0% tax<\/strong> on income up to \u20ac20,000. Minimum wage rises to <strong>\u20ac920\/month<\/strong> from 1 April 2026. Law 5239\/2025 (\u201cFair Work for All\u201d) modernises working time, overtime, and digital labour records.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"contracts\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Contracts<\/h2>\n\n\n\n<p>Greek employment contracts define the terms of engagement \u2014 type, duration, notice, pay, and benefits. Employers must inform employees of the essential terms of employment in writing, and most employment events are reported through the ERGANI II electronic system maintained by the Ministry of Labour.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Contract Types<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contract Type<\/th><th>Duration<\/th><th>Key Features<\/th><\/tr><\/thead><tbody><tr><td>Open-Ended (Permanent)<\/td><td>Indefinite<\/td><td>Default contract type; ends only with notice and severance unless dismissed for serious cause<\/td><\/tr><tr><td>Fixed-Term<\/td><td>Specified end date<\/td><td>Ends on a fixed date or project completion; if repeatedly renewed without justification, may be reclassified as open-ended<\/td><\/tr><tr><td>Part-Time \/ Rotational<\/td><td>Indefinite or fixed<\/td><td>Must be in writing; equal pro-rata rights to full-time staff; no less favourable treatment permitted<\/td><\/tr><tr><td>Self-Employment (Freelance)<\/td><td>Per assignment<\/td><td>Individual issues invoices under a Greek VAT number (\u201c\u03bc\u03c0\u03bb\u03bf\u03ba\u03ac\u03ba\u03b9\u201d); manages own tax and social contributions<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-5 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">14 Salaries Per Year \u2014 Statutory in Greece<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Private-sector employees are entitled to <strong>14 monthly instalments<\/strong> per year: 12 regular months, plus a full month\u2019s Christmas bonus (paid by 21 December), a half-month Easter bonus, and a half-month vacation bonus. Bonuses are pro-rated for partial years and effectively raise annual pay by around 16.7%.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">What Your Contract Must Include<\/h3>\n\n\n\n<div class=\"wp-block-columns boxed-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Mandatory from Day One<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Job title and description<\/li>\n\n\n\n<li>Start date and contract duration (if fixed-term)<\/li>\n\n\n\n<li>Salary or pay rate and pay frequency (including 14-salary structure)<\/li>\n\n\n\n<li>Working hours and place of work<\/li>\n\n\n\n<li>Annual leave entitlement<\/li>\n\n\n\n<li>Notice period (both sides)<\/li>\n\n\n\n<li>Probation period (if agreed in writing)<\/li>\n\n\n\n<li>Reference to applicable collective labour agreement<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Common Additional Clauses<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confidentiality \/ NDA provisions<\/li>\n\n\n\n<li>Intellectual property assignment<\/li>\n\n\n\n<li>Non-compete and non-solicitation clauses<\/li>\n\n\n\n<li>Bonus and commission structure<\/li>\n\n\n\n<li>Multiple-employer authorisation (Law 5163\/2024)<\/li>\n\n\n\n<li>Remote \/ hybrid working terms<\/li>\n\n\n\n<li>Disciplinary and grievance procedure reference<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"working-hours\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Working Hours &amp; Overtime<\/h2>\n\n\n\n<p>Standard full-time hours in Greece are <strong>40 hours per week<\/strong>, typically 8 hours per day across 5 days. Greek labour law distinguishes \u201coverwork\u201d (hours 41\u201345) from \u201covertime\u201d (hours beyond 45). Law 5239\/2025 introduces additional flexibility, including the option of a four-day working week and extended daily hours with the same employer, subject to mandatory rest periods.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Rule<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Standard hours<\/td><td>40 hrs\/week<\/td><td>Usually 8 hrs\/day over 5 days<\/td><\/tr><tr><td>Overwork (hours 41\u201345)<\/td><td>120% of normal pay<\/td><td>Up to 5 extra hours per week<\/td><\/tr><tr><td>Overtime (above 45 hrs\/week)<\/td><td>140% of normal pay<\/td><td>Rising to 160%+ for excessive overtime, night or Sunday work<\/td><\/tr><tr><td>Max daily hours (single employer)<\/td><td>Up to 13 hrs<\/td><td>Under Law 5239\/2025, with statutory rest periods observed<\/td><\/tr><tr><td>Daily rest<\/td><td>11 consecutive hrs<\/td><td>Per 24-hour period \u2014 mandatory<\/td><\/tr><tr><td>Weekly rest<\/td><td>24 hrs<\/td><td>Per 7-day period<\/td><\/tr><tr><td>Four-day week option<\/td><td>Allowed<\/td><td>40 hrs compressed into 4 days under Law 5239\/2025<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Greek Labour Code; Law 5239\/2025 (\u201cFair Work for All\u201d).<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-8 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\"><strong>Law 5239\/2025 \u2014 Premium Pay Exempt from Social Contributions<\/strong><\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">From 1 November 2025, premiums for overwork, overtime, night, Sunday and holiday work are <strong>exempt from social security contributions<\/strong>, increasing net take-home for employees working irregular hours.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"probation-period\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Probation Period<\/h2>\n\n\n\n<p>Greek law caps probation at 6 months and requires it to be agreed in writing at the outset of the contract.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>Standard practice<\/th><th>Legal notes<\/th><\/tr><\/thead><tbody><tr><td>Maximum duration<\/td><td>6 months<\/td><td>Must be expressly agreed in writing (Law 4808\/2021)<\/td><\/tr><tr><td>Termination during probation<\/td><td>No notice or severance<\/td><td>Provided dismissal is not for a discriminatory reason<\/td><\/tr><tr><td>Severance threshold<\/td><td>No severance under 12 months service<\/td><td>Indefinite contracts only<\/td><\/tr><tr><td>Day-one statutory rights<\/td><td>Full from day one<\/td><td>Minimum wage, anti-discrimination, health and safety, social insurance coverage<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"immigration\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Immigration &amp; Work Visas<\/h2>\n\n\n\n<p>As an EU and Schengen member state, Greece operates a dual immigration system. EU\/EEA\/Swiss nationals enjoy freedom of movement. Non-EU nationals (including UK citizens post-Brexit) require a long-stay National Visa (Type D) plus a residence permit for stays beyond 90 days.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-12 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#48bb78;border-left-width:3px;background-color:#f4fbf6;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/success-icon.svg\" alt=\"\" class=\"wp-image-71603\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Two-Stage Process for Non-EU Nationals<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">First, apply for a <strong>National Visa (Type D)<\/strong> at a Greek consulate in your country of residence. Then, within 30 days of arrival, apply for a <strong>Residence Permit (\u0386\u03b4\u03b5\u03b9\u03b1 \u0394\u03b9\u03b1\u03bc\u03bf\u03bd\u03ae\u03c2)<\/strong> at the local Migration Office. The visa permits entry; the residence permit authorises long-term work and residence.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Main Work Visa Categories<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Visa Route<\/th><th>Min. Salary \/ Income<\/th><th>Sponsor?<\/th><th>Duration<\/th><\/tr><\/thead><tbody><tr><td>Employment Visa (Type D)<\/td><td>No fixed minimum<\/td><td>Greek employer required<\/td><td>1\u20132 years; renewable<\/td><\/tr><tr><td>EU Blue Card<\/td><td>~\u20ac33,000\u2013\u20ac36,000\/yr<\/td><td>Greek employer required<\/td><td>Up to 2 years; renewable<\/td><\/tr><tr><td>Self-Employment \/ Entrepreneur<\/td><td>Proof of sufficient funds<\/td><td>No<\/td><td>1\u20132 years; renewable<\/td><\/tr><tr><td>Digital Nomad Visa<\/td><td>\u20ac3,500\/month minimum<\/td><td>No (remote employer abroad)<\/td><td>12 months; renewable<\/td><\/tr><tr><td>Intra-Company Transfer (ICT)<\/td><td>Per group policy<\/td><td>Greek branch required<\/td><td>Up to 3 years<\/td><\/tr><tr><td>Financially Independent Person<\/td><td>~\u20ac2,000\/month minimum<\/td><td>No<\/td><td>2 years; renewable<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Greek Ministry of Migration and Asylum, 2026. UK nationals are treated as non-EU citizens post-Brexit.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Documentation Required<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Document<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Valid passport<\/td><td>With at least 3 months validity beyond visa expiry<\/td><\/tr><tr><td>Employment contract or proof of purpose<\/td><td>From Greek employer, host company, or evidence of remote contract<\/td><\/tr><tr><td>Proof of sufficient funds<\/td><td>Bank statements; threshold depends on visa category<\/td><\/tr><tr><td>Health insurance<\/td><td>Covering full period of stay<\/td><\/tr><tr><td>Clean criminal record certificate<\/td><td>From country of residence; legalised \/ apostilled<\/td><\/tr><tr><td>Medical certificate<\/td><td>Confirming absence of communicable diseases (e.g. tuberculosis)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"leave\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Leave Entitlements<\/h2>\n\n\n\n<p>Greek statutory leave is generous and tenure-based. Most professional employers offer enhanced parental benefits above the statutory floor.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Annual Leave<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Length of service<\/th><th>5-day week<\/th><th>6-day week<\/th><\/tr><\/thead><tbody><tr><td>Year 1<\/td><td>20 working days<\/td><td>24 working days<\/td><\/tr><tr><td>Year 2<\/td><td>21 working days<\/td><td>25 working days<\/td><\/tr><tr><td>Year 3 to 9<\/td><td>22 working days<\/td><td>26 working days<\/td><\/tr><tr><td>10+ years (or 12 yrs total work)<\/td><td>25 working days<\/td><td>30 working days<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Unused leave must be paid out if not taken by year-end (or end of Q1 of the following year).<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Parental Leave<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Leave type<\/th><th>Duration<\/th><th>Pay<\/th><th>From<\/th><\/tr><\/thead><tbody><tr><td>Maternity<\/td><td>17 weeks (119 days)<\/td><td>Near full salary (employer + EFKA)<\/td><td>Day one<\/td><\/tr><tr><td>Special Maternity Protection (post-natal)<\/td><td>Up to 6 months<\/td><td>Minimum wage (\u20ac920\/month from April 2026), paid by DYPA<\/td><td>After maternity leave<\/td><\/tr><tr><td>Paternity<\/td><td>14 working days<\/td><td>Paid by employer<\/td><td>Day one (around childbirth)<\/td><\/tr><tr><td>Parental Leave (per parent)<\/td><td>Up to 4 months<\/td><td>Mostly unpaid; 2 months at part-salary via DYPA<\/td><td>Until child reaches age 8<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Greek Labour Code; DYPA (formerly OAED), 2026.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Sick Leave<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Length of service<\/th><th>Maximum paid sick leave<\/th><\/tr><\/thead><tbody><tr><td>Up to 4 years<\/td><td>1 month per year<\/td><\/tr><tr><td>4 to 10 years<\/td><td>3 months per year<\/td><\/tr><tr><td>10 to 15 years<\/td><td>4 months per year<\/td><\/tr><tr><td>Over 15 years<\/td><td>6 months per year<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Employer pays the initial period; EFKA pays a sickness benefit (~50\u201360% of wages) thereafter. Medical certificate required after 7 days.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"public-holidays\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Public Holidays 2026<\/h2>\n\n\n\n<p>Greece observes 12 nationwide public holidays in 2026, several of which follow the Orthodox calendar.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Date<\/th><th>Day<\/th><th>Holiday<\/th><\/tr><\/thead><tbody><tr><td>1 January<\/td><td>Thursday<\/td><td>New Year\u2019s Day<\/td><\/tr><tr><td>6 January<\/td><td>Tuesday<\/td><td>Epiphany (Theofania)<\/td><\/tr><tr><td>23 February<\/td><td>Monday<\/td><td>Clean Monday (start of Orthodox Lent)<\/td><\/tr><tr><td>25 March<\/td><td>Wednesday<\/td><td>Greek Independence Day &amp; Annunciation<\/td><\/tr><tr><td>10 April<\/td><td>Friday<\/td><td>Orthodox Good Friday<\/td><\/tr><tr><td>13 April<\/td><td>Monday<\/td><td>Orthodox Easter Monday<\/td><\/tr><tr><td>1 May<\/td><td>Friday<\/td><td>Labour Day<\/td><\/tr><tr><td>1 June<\/td><td>Monday<\/td><td>Pentecost Monday (Holy Spirit Day)<\/td><\/tr><tr><td>15 August<\/td><td>Saturday<\/td><td>Assumption of the Virgin Mary<\/td><\/tr><tr><td>28 October<\/td><td>Wednesday<\/td><td>Ochi Day (\u201cNo\u201d Day)<\/td><\/tr><tr><td>25 December<\/td><td>Friday<\/td><td>Christmas Day<\/td><\/tr><tr><td>26 December<\/td><td>Saturday<\/td><td>Synaxis of the Theotokos (Boxing Day)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Greek Ministry of Labour, 2026 calendar. Some local holidays (e.g. patron saints\u2019 days) apply regionally.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"notice-periods\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Notice Periods<\/h2>\n\n\n\n<p>Notice for employer-initiated termination is set by statute based on length of service. If proper notice is given, the employer pays only half of the statutory severance; if dismissal is immediate, full severance is owed.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Length of service<\/th><th>Employer notice (statutory)<\/th><th>Employee notice<\/th><\/tr><\/thead><tbody><tr><td>0 \u2013 12 months<\/td><td>None<\/td><td>None (statutory)<\/td><\/tr><tr><td>1 \u2013 2 years<\/td><td>1 month<\/td><td>Per contract (typically 1 month)<\/td><\/tr><tr><td>2 \u2013 5 years<\/td><td>2 months<\/td><td>Per contract<\/td><\/tr><tr><td>5 \u2013 10 years<\/td><td>3 months<\/td><td>Per contract<\/td><\/tr><tr><td>Over 10 years<\/td><td>4 months (max)<\/td><td>Per contract<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">All dismissals must be in writing and reported electronically to the labour authority (ERGANI II). Source: Greek Labour Code.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"termination\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Termination &amp; Severance<\/h2>\n\n\n\n<p>Greek law mandates severance for termination of indefinite contracts after 1 year of service. Severance applies only to employer-initiated dismissals (not resignations) and is calculated by length of service.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Length of service<\/th><th>Severance (no notice given)<\/th><\/tr><\/thead><tbody><tr><td>1 \u2013 4 years<\/td><td>2 months\u2019 wages<\/td><\/tr><tr><td>4 \u2013 6 years<\/td><td>3 months\u2019 wages<\/td><\/tr><tr><td>6 \u2013 8 years<\/td><td>4 months\u2019 wages<\/td><\/tr><tr><td>8 \u2013 10 years<\/td><td>5 months\u2019 wages<\/td><\/tr><tr><td>10 \u2013 12 years<\/td><td>6\u20137 months\u2019 wages<\/td><\/tr><tr><td>12 \u2013 15 years<\/td><td>8\u201310 months\u2019 wages<\/td><\/tr><tr><td>15 \u2013 16 years<\/td><td>11 months\u2019 wages<\/td><\/tr><tr><td>16+ years<\/td><td>12 months\u2019 wages (maximum)<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">If notice is given, severance is halved. Salary cap of \u20ac2,000\/month applies for severance calculations. Source: Greek Labour Code.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-18 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#ed8936;border-left-width:3px;background-color:#fff8f4;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/warning-icon.svg\" alt=\"\" class=\"wp-image-71604\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\"><strong>Written Notice Required \u2014 ERGANI II Reporting<\/strong><\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Verbal dismissals have <strong>no legal effect<\/strong> in Greece. All terminations must be in writing and filed electronically with the labour authority via ERGANI II. Any accrued unused vacation must be paid out at termination.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"social-insurance\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Social Insurance<\/h2>\n\n\n\n<p>Social insurance contributions in Greece fund public pensions, healthcare, unemployment benefits, and welfare. They are administered by e-EFKA (the Unified Social Security Fund).<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-21 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">2026 Monthly Cap on Insurable Earnings<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">The monthly cap on insurable earnings is <strong>\u20ac7,761.94<\/strong> from 1 January 2026. Earnings above this threshold are not subject to additional EFKA contributions. Social security contributions have fallen by 5.4 percentage points since 2019.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Employer Contributions<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contribution<\/th><th>Rate<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Social Insurance (EFKA)<\/td><td>21.79%<\/td><td>Covers pension, healthcare, unemployment, auxiliary funds<\/td><\/tr><tr><td>Insurable earnings cap<\/td><td>\u20ac7,761.94\/month<\/td><td>Effective 1 January 2026<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: e-EFKA, 2026. Premiums on overtime, night, Sunday and holiday work are exempt from contributions from 1 November 2025.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Employee Contributions<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contribution<\/th><th>Rate<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Social Insurance (EFKA)<\/td><td>13.87%<\/td><td>Withheld via payroll; combined employer + employee = 35.16%<\/td><\/tr><tr><td>Insurable earnings cap<\/td><td>\u20ac7,761.94\/month<\/td><td>Effective 1 January 2026<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Self-Employed Contributions<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Contribution<\/th><th>Approximate rate \/ amount<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Main pension<\/td><td>~20% of declared profit<\/td><td>Tiered flat-fee class system available<\/td><\/tr><tr><td>Healthcare (EOPYY)<\/td><td>~6.95% of declared profit<\/td><td><\/td><\/tr><tr><td>Minimum monthly contribution<\/td><td>~\u20ac220\/month<\/td><td>2026 floor; freelancer chooses contribution tier<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: e-EFKA, 2026. Self-employed individuals are responsible for the full contribution amount.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"income-tax\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Income Tax<\/h2>\n\n\n\n<p>The Greek tax year is the calendar year. Employees are taxed via PAYE through monthly payroll withholding. Annual returns are filed via the Taxisnet portal of the Independent Authority for Public Revenue (AADE). Tax residency is established after 183+ days in Greece in a calendar year.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Income Tax Bands 2026<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Band<\/th><th>Annual Income<\/th><th>Rate 2026<\/th><th>Rate 2025<\/th><\/tr><\/thead><tbody><tr><td>First bracket<\/td><td>\u20ac0 \u2013 \u20ac10,000<\/td><td>9%<\/td><td>9%<\/td><\/tr><tr><td>Second bracket<\/td><td>\u20ac10,001 \u2013 \u20ac20,000<\/td><td>20%<\/td><td>22%<\/td><\/tr><tr><td>Third bracket<\/td><td>\u20ac20,001 \u2013 \u20ac30,000<\/td><td>26%<\/td><td>28%<\/td><\/tr><tr><td>Fourth bracket<\/td><td>\u20ac30,001 \u2013 \u20ac40,000<\/td><td>34%<\/td><td>36%<\/td><\/tr><tr><td>Fifth bracket (new)<\/td><td>\u20ac40,001 \u2013 \u20ac60,000<\/td><td>39%<\/td><td>44%<\/td><\/tr><tr><td>Top bracket<\/td><td>Above \u20ac60,000<\/td><td>44%<\/td><td>44%<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: Law 5246\/2025, effective from 1 January 2026. Applies to employment income, pensions, and business profits.<\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-24 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Age-Based Tax Relief \u2014 Under-25s and 26\u201330<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">From January 2026, taxpayers <strong>up to age 25<\/strong> pay 0% on income up to \u20ac20,000. Taxpayers aged <strong>26\u201330<\/strong> pay 0% on the first \u20ac10,000 and 9% on the next \u20ac10,000. Tax credit of \u20ac777 applies for taxpayers without dependants; higher credits apply for families with children.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Expat Tax Regimes<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Regime<\/th><th>Benefit<\/th><th>Duration<\/th><\/tr><\/thead><tbody><tr><td>Article 5C \u2013 New Resident Workers (\u201cBrain Gain\u201d)<\/td><td>50% income exemption for employment \/ self-employment<\/td><td>7 years<\/td><\/tr><tr><td>Article 5B \u2013 Foreign Pensioners<\/td><td>Flat 7% tax on all foreign income<\/td><td>Up to 15 years<\/td><\/tr><tr><td>Non-Dom Lump Sum (HNWI)<\/td><td>Flat \u20ac100,000\/year tax on global income<\/td><td>Up to 15 years; \u20ac500k Greek investment required<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Eligibility requires no Greek tax residency in the preceding 5\u20137 years (depending on regime). Source: Law 4172\/2013 as amended.<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">VAT (\u03a6\u03a0\u0391)<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Rate<\/th><th>%<\/th><th>Applies to<\/th><\/tr><\/thead><tbody><tr><td>Standard<\/td><td>24%<\/td><td>Most goods and services<\/td><\/tr><tr><td>Reduced<\/td><td>13%<\/td><td>Food, water, hospitality services, certain medical products<\/td><\/tr><tr><td>Super-Reduced<\/td><td>6%<\/td><td>Books, newspapers, pharmaceuticals, theatre tickets<\/td><\/tr><tr><td>Island Reduction<\/td><td>17% \/ 9% \/ 4%<\/td><td>North Aegean, Evros, Dodecanese islands &lt;20,000 inhabitants (from 1 Jan 2026)<\/td><\/tr><tr><td>Registration threshold<\/td><td>\u20ac10,000<\/td><td>Annual turnover above which VAT registration is mandatory for sole traders<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: AADE, 2026.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"benefits\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Benefits<\/h2>\n\n\n\n<p>Greek statutory benefits are comprehensive, and the 14-salary structure significantly boosts annual compensation. Competitive employers add private health insurance and meal vouchers to attract and retain professional talent.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Mandatory Statutory Benefits<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Benefit<\/th><th>Rate \/ Amount<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>Christmas Bonus<\/td><td>1 month\u2019s salary<\/td><td>Paid by 21 December<\/td><\/tr><tr><td>Easter Bonus<\/td><td>\u00bd month\u2019s salary<\/td><td>Paid before Orthodox Easter<\/td><\/tr><tr><td>Vacation Bonus<\/td><td>\u00bd month\u2019s salary<\/td><td>Paid before summer leave<\/td><\/tr><tr><td>Public Pension<\/td><td>~\u20ac384\/month basic + earnings-related<\/td><td>Funded through EFKA contributions; retirement age 67<\/td><\/tr><tr><td>Public Healthcare<\/td><td>Universal coverage<\/td><td>Via EOPYY; access through AMKA<\/td><\/tr><tr><td>Maternity Pay<\/td><td>Near full salary, 17 weeks<\/td><td>Plus up to 6 months special maternity protection at minimum wage<\/td><\/tr><tr><td>Unemployment Benefit (DYPA)<\/td><td>~\u20ac564.80\/month<\/td><td>Up to 12 months; subject to contribution history<\/td><\/tr><tr><td>Annual Leave<\/td><td>20\u201325 working days<\/td><td>Tenure-based; rises to 25 days at 10+ years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Market-Standard Supplemental Benefits<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Benefit<\/th><th>Prevalence<\/th><th>Typical provision<\/th><\/tr><\/thead><tbody><tr><td>Private Medical Insurance<\/td><td>Common in professional roles<\/td><td>NN Hellas, Eurolife, Generali, Allianz<\/td><\/tr><tr><td>Meal Vouchers<\/td><td>Increasingly common<\/td><td>~\u20ac5 per working day, tax-efficient<\/td><\/tr><tr><td>Life Assurance<\/td><td>Common in corporate roles<\/td><td>2\u20134\u00d7 annual salary cover<\/td><\/tr><tr><td>Seniority Allowance (\u201ctriennia\u201d)<\/td><td>Per collective agreement<\/td><td>10% per 3 years of service, up to 30%<\/td><\/tr><tr><td>Performance Bonuses<\/td><td>Common in sales \/ corporate<\/td><td>Contractual or discretionary<\/td><\/tr><tr><td>Remote \/ Hybrid Working<\/td><td>Common post-2021<\/td><td>2\u20133 days hybrid is increasingly standard<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"pension\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Pension System<\/h2>\n\n\n\n<p>The Greek public pension has two components \u2014 a national basic pension plus a contributory earnings-related pension \u2014 both administered through e-EFKA. Greece\u2019s social security agreements (with EU countries and many others) allow expats to totalise contributions across systems.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parameter<\/th><th>2026<\/th><th>Notes<\/th><\/tr><\/thead><tbody><tr><td>National basic pension (full)<\/td><td>~\u20ac384\/month<\/td><td>Requires 20+ years of contributions; reduced for fewer years<\/td><\/tr><tr><td>Minimum qualifying years<\/td><td>15 years<\/td><td>For any pension entitlement<\/td><\/tr><tr><td>Standard retirement age<\/td><td>67<\/td><td>Or 62 with 40 years contributions<\/td><\/tr><tr><td>Total contributions to pension<\/td><td>~20%<\/td><td>Employer + employee combined, of insurable earnings<\/td><\/tr><tr><td>Auxiliary pension fund<\/td><td>Included in EFKA<\/td><td>Mandatory supplementary tier<\/td><\/tr><tr><td>Insurable earnings cap<\/td><td>\u20ac7,761.94\/month<\/td><td>Effective 1 January 2026<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Source: e-EFKA \/ Ministry of Labour 2026. Greek pension years count toward eligibility under EU and bilateral totalisation agreements.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"insurances\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Insurances<\/h2>\n\n\n\n<p>Mandatory and recommended insurances for employers, employees, and contractors in Greece.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Insurance<\/th><th>Min. Cover<\/th><th>Required by<\/th><\/tr><\/thead><tbody><tr><td>Public Health (EOPYY)<\/td><td>Universal access<\/td><td>Mandatory via EFKA contributions and AMKA registration<\/td><\/tr><tr><td>Workplace Accident Cover<\/td><td>Per EFKA scheme<\/td><td>Funded through employer social security contributions<\/td><\/tr><tr><td>Motor Insurance<\/td><td>Third-party liability<\/td><td>Greek Road Traffic Law \u2014 mandatory for all vehicles<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-group guide-badge has-background is-nowrap is-layout-flex wp-container-core-group-is-layout-29 wp-block-group-is-layout-flex\" style=\"border-radius:12px;border-left-color:#5ac3d8;border-left-width:3px;background-color:#f0f9ff;padding-top:var(--wp--preset--spacing--40);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40)\">\n<figure class=\"wp-block-image size-full is-resized shrink-0\"><img decoding=\"async\" width=\"24\" height=\"24\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/info-icon.svg\" alt=\"\" class=\"wp-image-71605\" style=\"width:28px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"badge-title\" style=\"font-style:normal;font-weight:700\">Professional Indemnity Insurance \u2014 Contractors<\/p>\n\n\n\n<p class=\"badge-desc has-small-font-size\">Often <strong>contractually required<\/strong> by end-clients in Greece. Mandatory in practice for doctors, engineers, and architects; widely held by lawyers, accountants, and IT consultants. Typical minimum cover is \u20ac1M; financial and technology sectors often require \u20ac2M+.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Private Health Insurance<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Provider<\/th><th>Typical monthly cost<\/th><th>Type<\/th><\/tr><\/thead><tbody><tr><td>NN Hellas<\/td><td>\u20ac60\u2013\u20ac180 (individual)<\/td><td>Comprehensive<\/td><\/tr><tr><td>Eurolife FFH<\/td><td>\u20ac55\u2013\u20ac170 (individual)<\/td><td>Comprehensive<\/td><\/tr><tr><td>Generali<\/td><td>\u20ac60\u2013\u20ac175 (individual)<\/td><td>Comprehensive<\/td><\/tr><tr><td>Allianz<\/td><td>\u20ac65\u2013\u20ac190 (individual)<\/td><td>International coverage available<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Many expats supplement public EOPYY coverage with private insurance for faster access, private hospitals, and English-speaking doctors.<\/figcaption><\/figure>\n<\/div><\/div>\n\n\n\n<div id=\"af-solutions\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">AF Solutions<\/h2>\n\n\n\n<p>Access Financial has operated in Greece for over 22 years, supporting end-clients, recruitment agencies, and contractors.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For End-Clients<\/h3>\n\n\n\n<p class=\"has-small-font-size\">Managing a contingent workforce can be complex. Our solutions streamline workforce management, making it simple, compliant, and cost-effective.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-corporates\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For Recruiters<\/h3>\n\n\n\n<p class=\"has-small-font-size\">We offer a complete suite of services, allowing you to simply, compliantly, and efficiently place your candidates internationally, with minimum fuss.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-recruiters\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-medium-font-size\">For Contractors<\/h3>\n\n\n\n<p class=\"has-small-font-size\">Focus on what you do best and let us take care of your payroll, tax compliance, social security, and immigration needs.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 is-style-secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/accessfinancial.com\/service\/for-contractors\/\" target=\"_blank\" rel=\"noreferrer noopener\">Learn More<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group team-cta is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-32 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-31 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-medium is-resized\"><img decoding=\"async\" width=\"300\" height=\"89\" src=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-300x89.png\" alt=\"\" class=\"wp-image-71720\" style=\"width:135px\" srcset=\"https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-300x89.png 300w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-1024x304.png 1024w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-768x228.png 768w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage-1536x456.png 1536w, https:\/\/accessfinancial.com\/wp-content\/uploads\/2026\/05\/Collage.png 1672w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure>\n\n\n\n<p class=\"has-medium-font-size\">Free Consultation<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons shrink-0 is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-primary consult-popup pum-trigger\"><a class=\"wp-block-button__link wp-element-button\">SPEAK TO US<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div id=\"faq\" class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<p>Find answers to our most frequently asked questions below.<\/p>\n\n\n\n<div id=\"faq-accordion\" class=\"wp-block-group is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-40 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-35 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>What solutions do you offer in Greece?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>In Greece, Access Financial provides one compliant engagement model:<\/p>\n\n\n\n<p><strong>Self-employment:<\/strong> Where an engagement genuinely meets the criteria for self-employed status, we register the contractor compliantly, manage their filing obligations throughout the contract term, and deregister them at the end of the assignment.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-37 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>Is contractor misclassification a high risk under an AOR engagement?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Misclassification typically occurs when contractors are treated as employees in practice \u2014 fixed hours, integration into the team, no right of substitution, direct supervision, and so on. Prevention requires clear engagement frameworks, standardised processes, documented evidence of independence, and recurring audits. Accountability and the right technology are key to staying compliant at scale, particularly as tax authorities increasingly use data analytics and algorithmic checks to flag suspect arrangements.<\/p>\n\n\n\n<p>At Access Financial, we help our clients minimise this risk by designing tailored classification frameworks, onboarding checklists, contractual safeguards, and recurring compliance audits.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group ac is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-39 wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading ac-header ac-trigger has-medium-font-size\"><strong>What is your pricing model?<\/strong><\/h3>\n\n\n\n<div class=\"wp-block-group ac-panel\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p>Our standard management fee is <strong>5% of the contract value, with a minimum of \u20ac550<\/strong>. We also offer volume discounts on bulk engagements. To discuss pricing for your specific scenario, please get in touch with our team here: <a href=\"https:\/\/accessfinancial.com\/#get-started\">https:\/\/accessfinancial.com\/#get-started<\/a>.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With Access Financial, managing your workforce in Greece becomes simple and stress-free. Leave local regulations, complex tax requirements, immigration and international payroll to us \u2014 so you can focus on growing your business.<\/p>\n","protected":false},"featured_media":27663,"template":"","region":[78],"class_list":["post-43877","country-guides","type-country-guides","status-publish","has-post-thumbnail","hentry","region-eu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hire, Place and Work in Greece - Compliantly<\/title>\n<meta name=\"description\" content=\"With Access Financial, managing your workforce in Greece becomes simple and stress-free. 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