How to Set Up Your New Life in Greece: A Practical Guide for New Residents

Table of Contents

1. Introduction
2. Understanding the Greek Residency Process
3. Finding Accommodation in Greece
4. Healthcare and Insurance
5. Banking and Finances
6. Transportation and Getting Around
7. Learning the Greek Language
8. Employment and Business Opportunities
9. Education System for Families with Children
10. Cultural Integration and Social Life
11. Legal Considerations for New Residents
12. Conclusion
13. FAQs

1. Introduction

Greece, with its rich history, stunning landscapes, and warm Mediterranean climate, has long been a popular destination for tourists and expats alike. If you’re considering making Greece your new home, this comprehensive guide will walk you through the essential steps to set up your new life in this beautiful country. From navigating the residency process to finding accommodation and integrating into the local culture, we’ll cover everything you need to know to make your transition as smooth as possible.

2. Understanding the Greek Residency Process

Before you can fully settle into your new life in Greece, it’s crucial to understand and navigate the residency process. Depending on your nationality and the purpose of your stay, there are different types of visas and permits you may need to obtain.

2.1 Types of Visas and Permits

For EU citizens, the process is relatively straightforward. You have the right to live and work in Greece without a visa for up to three months. If you plan to stay longer, you’ll need to register with the local authorities and obtain a registration certificate.

Non-EU citizens will need to apply for a visa before entering Greece. The most common types of visas for long-term stays include:

• Work visa
• Student visa
• Family reunification visa
• Retirement visa
• Golden Visa (for property investors)

2.2 Required Documents

Regardless of the type of visa you’re applying for, you’ll typically need to provide the following documents:

• Valid passport
• Proof of sufficient funds
• Health insurance coverage
• Criminal record check
• Proof of accommodation in Greece

It’s essential to check with the Greek embassy or consulate in your home country for the most up-to-date requirements, as they may vary depending on your specific situation.

3. Finding Accommodation in Greece

Once you’ve sorted out your residency status, the next crucial step is finding a place to live. Greece offers a wide range of accommodation options to suit different budgets and preferences.

3.1 Renting vs. Buying

For new residents, renting is often the most practical option, at least initially. It allows you to get a feel for different areas before making a long-term commitment. The Greek rental market is relatively flexible, with both short-term and long-term leases available.

If you’re considering buying property, it’s important to note that Greece has been attracting foreign investors with its Golden Visa program, which offers residency permits to non-EU citizens who invest in real estate worth €250,000 or more.

3.2 Popular Areas for Expats

Some popular areas for expats in Greece include:

• Athens: The capital city offers a bustling urban lifestyle with plenty of job opportunities.
• Thessaloniki: Greece’s second-largest city is known for its vibrant cultural scene and lower cost of living compared to Athens.
• Greek Islands: Islands like Crete, Corfu, and Rhodes are popular among retirees and digital nomads seeking a more relaxed lifestyle.

3.3 Tips for House Hunting

When looking for accommodation in Greece:

• Use reputable real estate websites or agencies
• Be prepared to negotiate rent prices
• Check the condition of the property thoroughly before signing any agreements
• Understand local regulations regarding utilities and maintenance responsibilities

4. Healthcare and Insurance

Greece has a public healthcare system that provides coverage to residents, but many expats choose to supplement this with private health insurance for more comprehensive coverage and shorter wait times.

4.1 Public Healthcare System

The Greek public healthcare system, known as ESY (Ethniko Systima Ygeias), provides free or low-cost medical care to residents. To access this system, you’ll need to obtain a social security number (AMKA) and register with a local healthcare center.

4.2 Private Health Insurance

Private health insurance can offer additional benefits such as:

• Shorter wait times for appointments and procedures
• Access to a wider network of healthcare providers
• Coverage for treatments not included in the public system
• English-speaking doctors and medical staff

It’s advisable to research different insurance providers and compare their offerings to find the best fit for your needs.

5. Banking and Finances

Setting up your finances is a crucial step in establishing your new life in Greece. Understanding the banking system and managing your money effectively will help ensure a smooth transition.

5.1 Opening a Bank Account

To open a bank account in Greece, you’ll typically need:

• Valid passport or ID
• Proof of address in Greece
• Tax registration number (AFM)
• Initial deposit (varies by bank)

Some banks offer English-language services, which can be helpful for new residents. Popular banks in Greece include Alpha Bank, Eurobank, and Piraeus Bank.

5.2 Managing Finances

Keep in mind the following financial considerations:

• Currency: Greece uses the Euro (€)
• Tax obligations: Familiarize yourself with Greek tax laws and reporting requirements
• Cost of living: Research the average costs in your chosen area to budget effectively
• International transfers: Set up a reliable method for transferring money from your home country if needed

6. Transportation and Getting Around

Greece offers various transportation options, from public transit in major cities to ferries connecting the islands. Understanding your options will help you navigate your new home with ease.

6.1 Public Transportation

In major cities like Athens and Thessaloniki, public transportation includes:

• Buses
• Metro (in Athens)
• Trams
• Suburban railways

Consider purchasing a rechargeable travel card for convenient and cost-effective use of public transport.

6.2 Driving in Greece

If you plan to drive in Greece:

• Obtain a Greek driver’s license or ensure your current license is valid
• Familiarize yourself with Greek traffic laws and road signs
• Be prepared for different driving conditions, especially on narrow island roads

6.3 Inter-city and Island Travel

For traveling between cities and islands:

• Trains: Limited network, mainly connecting Athens to other major cities
• Ferries: Extensive network connecting mainland Greece to the islands
• Domestic flights: Convenient for reaching distant islands quickly

7. Learning the Greek Language

While it’s possible to get by with English in tourist areas, learning Greek will greatly enhance your experience and integration into local society.

7.1 Language Learning Resources

Consider the following options for learning Greek:

• Language schools offering Greek courses for foreigners
• Online language learning platforms like Duolingo or Rosetta Stone
• Language exchange meetups with locals
• Private tutors for personalized instruction

7.2 Benefits of Learning Greek

Investing time in learning Greek can:

• Improve your daily interactions with locals
• Enhance job prospects
• Help you understand and appreciate Greek culture more deeply
• Make administrative tasks easier

8. Employment and Business Opportunities

Finding employment or starting a business in Greece can be challenging but rewarding. Understanding the job market and business environment is crucial for professional success.

8.1 Job Market in Greece

The Greek job market has faced challenges in recent years, but opportunities exist, especially in sectors such as:

• Tourism and hospitality
• Tech and startups
• Teaching English
• Remote work for international companies

Networking and learning Greek can significantly improve your job prospects.

8.2 Starting a Business

If you’re considering starting a business in Greece:

• Research the legal requirements for foreign entrepreneurs
• Understand the tax implications and registration process
• Consider seeking advice from a local business consultant or lawyer
• Explore government incentives for new businesses, especially in certain sectors or regions

9. Education System for Families with Children

For families moving to Greece, understanding the education system is crucial. Greece offers both public and private education options.

9.1 Public Schools

Public education in Greece is free for all residents, including foreigners. The system includes:

• Primary education (ages 6-12)
• Secondary education (ages 12-18)
• Tertiary education (universities and technical institutions)

While instruction is primarily in Greek, some schools offer additional support for non-native speakers.

9.2 International and Private Schools

For expat families, international schools can provide education in English or other languages. These schools often follow international curricula such as the International Baccalaureate (IB) or British curriculum.

10. Cultural Integration and Social Life

Integrating into Greek culture and building a social network is essential for feeling at home in your new country.

10.1 Greek Customs and Etiquette

Familiarize yourself with Greek customs such as:

• The importance of family and hospitality
• Traditional greetings and social norms
• The laid-back approach to time (especially outside of work settings)
• The significance of religious holidays and traditions

10.2 Building a Social Network

To meet people and build connections:

• Join expat groups or online communities
• Attend local events and festivals
• Participate in language exchange meetups
• Volunteer for local organizations
• Engage in hobbies or sports activities

11. Legal Considerations for New Residents

Understanding your legal rights and obligations as a new resident in Greece is crucial for a smooth transition and long-term stay.

11.1 Residency Renewals

Be aware of the expiration date of your initial residency permit and the requirements for renewal. Typically, you’ll need to demonstrate continued eligibility, such as proof of income or employment.

11.2 Tax Obligations

Familiarize yourself with Greek tax laws, including:

• Income tax rates and filing requirements
• Property taxes if you own real estate
• Any tax treaties between Greece and your home country

11.3 Legal Assistance

Consider seeking legal advice from a professional who specializes in expat affairs, especially for matters related to residency, property purchases, or business ventures.

12. Conclusion

Setting up a new life in Greece offers an exciting opportunity to immerse yourself in a rich culture, enjoy a Mediterranean lifestyle, and experience the warmth of Greek hospitality. While the process may seem daunting at first, with proper planning and preparation, you can navigate the challenges and create a fulfilling life in this beautiful country.

Remember that adapting to a new country takes time, patience, and an open mind. Embrace the Greek way of life, learn the language, and actively engage with your new community. By following the steps outlined in this guide and remaining flexible in your approach, you’ll be well on your way to establishing a successful and enjoyable new chapter in Greece.

13. FAQs

Q1: Do I need to learn Greek to live in Greece?

A1: While it’s possible to get by with English in tourist areas and larger cities, learning Greek will significantly enhance your experience and integration into Greek society. It will help you in daily interactions, job prospects, and understanding the culture more deeply.

Q2: How difficult is it for non-EU citizens to obtain residency in Greece?

A2: The process can be complex for non-EU citizens, but it’s certainly achievable. Options include work visas, student visas, retirement visas, and the Golden Visa program for property investors. Each has specific requirements, so it’s important to research the option that best fits your situation.

Q3: What is the cost of living in Greece compared to other European countries?

A3: Generally, the cost of living in Greece is lower than in many Western European countries, especially outside of Athens. However, costs can vary significantly depending on the location and lifestyle. Major cities and popular tourist islands tend to be more expensive than rural areas or less-known islands.

Q4: Is healthcare in Greece adequate for expats?

A4: Greece has a public healthcare system that provides coverage to residents, including expats. However, many expats choose to supplement this with private health insurance for more comprehensive coverage, shorter wait times, and access to English-speaking medical professionals.

Q5: How can I find job opportunities in Greece as a foreigner?

A5: Job hunting in Greece can be challenging for foreigners, but opportunities exist, especially in sectors like tourism, tech, and English teaching. Networking, learning Greek, and using online job portals specific to Greece or expats can improve your chances. Additionally, remote work for international companies is becoming increasingly popular among expats in Greece.

Article reviewed by Jean Dupont, Institutional Investment Advisor | ESG & Impact Investing Pioneer | Aligning Profit with Purpose for Pension Funds, on March 11, 2025