Best Bank Accounts in Greece for Expats (2026)

How we chose these banks

We evaluated banks available to expats in Greece based on monthly fees, card costs, ATM networks, ease of account opening for non-Greek nationals, and app quality. Greek banks require an AFM (tax identification number), passport, and proof of Greek address. Wise and Revolut can be opened without a Greek AFM.

What to look for as an expat in Greece

• AFM (tax number) -- You need an AFM (Arithmos Forologikou Mitroou) to open a Greek bank account. Apply at your local Eforia (tax office). EU citizens can usually get one the same day with a passport and proof of address.
• AMKA (social security number) -- Required for healthcare and employment. You can get an AMKA at KEP (Citizens' Service Centres). Some banks may also ask for it.
• Euro zone advantage -- Greece uses the euro, making SEPA transfers free and fast. No currency conversion costs for EUR-denominated accounts from other eurozone countries.
• Cash still important -- While card acceptance has improved significantly since capital controls were lifted, cash is still preferred at many tavernas, kiosks, and smaller shops, especially on islands.
• Digital nomad visa -- Greece offers a digital nomad visa. If you are working remotely, Wise or Revolut may be sufficient while you set up a local bank account for rent and utilities.