Study costs & money in Greece
Tuition, living-cost context, banking, taxes and practical money guidance for students planning to study in Greece.
Read the complete Greece study abroad guide.
Bank Accounts
Account opening wants the AFM, passport, and proof of address or enrolment; the process is patient rather than difficult. EU digital-bank IBANs cover daily life meanwhile, though Greek payroll and some landlords prefer domestic accounts.
Cash retains real market share, especially in tavernas and on islands; carry some.
Source: https://www.bankofgreece.gr/en
Taxes
Working students file under the AFM through payroll withholding; modest part-time incomes attract little tax after the personal scale applies. The annual declaration is electronic and, for simple student cases, brief.
Freelance platform work has its own registration regime; take advice before invoicing rather than after.
Source: https://www.aade.gr/en
Common questions
What should international students know about banking in Greece?
AFM first, account second; cash still buys dinner.
What should international students know about taxes in Greece?
Payroll withholding plus a brief annual declaration covers most students.