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Opening a Bank Account in Greece
Document Checklist
ΑΦΜ
Greek tax registration number (ΑΦΜ)
Where to get: Issued by the tax administration (AADE) through a local tax office (ΔΟΥ); free of charge
Required: Yes — obtain before approaching a bank
The ΑΦΜ (Αριθμός Φορολογικού Μητρώου) is the practical gate. Banks need it to open and report on the account. Obtain it at the *ΔΟΥ* first.
Identity document
Accepted: Greek ID in Latin characters, valid Greek passport, or a passport / travel document and ID card for non-Greek and non-EU foreigners
Required: Original plus a photocopy
Banks offering online onboarding verify identity by video call and accept a Greek ID (Latin characters) or a valid Greek passport — which presupposes you already hold Greek-issued documents.
Tax and address documentation
Examples: A recent tax statement or tax return certificate; a recent utility bill where your address differs from your tax documentation
Required: As requested by the bank during onboarding
If you cannot yet prove a Greek address, a Greek rental contract or utility bill is typically provided once a lease is secured.
Proof of occupation or income
By status: Employees: employer certificate or recent payroll slip. Pensioners: latest pension slip. Sole proprietors: business registration documents. Students: student pass or proof of employment. Other statuses: a solemn declaration with no document required.
Required: Appropriate to your status
The financial-profile evidence the bank collects depends on your occupation.
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