Greek TIN (AFM): The Must-Have Tax Number for Expats – 2026 Guide

What is the AFM and Why It Matters for Expats

The AFM (in Greek: Αριθμός Φορολογικού Μητρώου) is Greece’s Tax Identification Number (TIN). Every individual or legal entity dealing with Greek tax authorities is required to have one. For expats, this little nine-digit number opens the door to almost every official transaction in Greece.

From opening a bank account to signing a rental contract, paying taxes, or even getting a SIM card contract, you will be asked for your AFM. Think of it as your entry ticket into the Greek administrative and financial system. Without it, life in Greece is much harder, if not impossible, beyond the role of a short-term tourist.

Who Needs an AFM in Greece

The AFM is not just for Greeks. Many expats and foreigners are required to obtain it. You need an AFM if:

• You are moving to Greece and plan to become a resident

• You want to buy or rent property in Greece

• You plan to work, freelance, or start a business in Greece

• You need to open a Greek bank account

• You are inheriting property or assets in Greece

• You want to connect utilities such as electricity, water, or gas

• You need to register with Greek authorities for healthcare, social security, or other official services

Even if you live outside Greece but own property or need to conduct financial transactions here, you will need an AFM. The only people who do not need one are short-term tourists who come to enjoy Greece without entering into contracts or financial commitments.

The Legal Framework of the AFM

The AFM is issued and managed by the Independent Authority for Public Revenue (AADE). You can find the official government service page here: gov.gr – Attribution of AFM.

In recent years, the process has been modernized with the introduction of the myAADE online portal. While some steps can be done digitally, final identity verification is always required either through a video call (myAADElive) or an in-person appointment at the local tax office (known as DOY).

Alongside your AFM, you will also receive an Authentication Key (Kleidarithmos). This key allows you to log into TAXISnet, the Greek online tax services platform, where you can file taxes, view documents, and manage your financial affairs with the state.

To dive deeper, read our Greek Tax Basics for Expats: What Foreigners Need to Know in 2026

Documents Required for AFM Application

Before applying, it is crucial to prepare the correct documents. Greek bureaucracy is strict, and any missing or incorrect paperwork can delay your application. The typical documents include:

• Valid passport (or EU ID card for EU citizens)

• Proof of current address (utility bill, rental agreement, or official document)

• Home address abroad (if you are a non-resident)

• Parents’ full names (a uniquely Greek requirement that often surprises expats)

• Marriage certificate if applicable (apostilled and translated if not in Greek)

• Power of attorney if a representative applies on your behalf

• Representative’s acceptance declaration (if applicable)

Note for non-EU nationals: contrary to what some outdated guides may suggest, a residence permit or visa is not always required to obtain an AFM. If you are moving to Greece long-term, you may be asked to show proof of legal stay, but if your goal is simply to purchase property, inherit assets, or manage financial matters, most tax offices will issue an AFM based only on your passport and supporting documents. Some local DOYs may still ask for proof of entry (visa stamp or residence permit), but this is not universally enforced.

Official guidance: AADE – Issuance of AFM & Authentication Key.

How to Apply for AFM in Greece Step by Step

If you are physically in Greece, the process is relatively straightforward, though it still requires patience.

Step One: Gather Documents

Collect all required paperwork, ensuring that names, addresses, and details are consistent across documents. If translations or apostilles are required, handle them in advance.

Step Two: Apply via myAADE

Use the “TIN and Authentication Key” service on myAADE to submit your application. This is where you provide personal details, passport information, address, and whether you or a representative will handle the identification step.

Step Three: Verification of Identity

This can be done either through a video call on myAADElive or at a scheduled appointment in your tax office. Have your passport ready, as you will be asked to show it. For video calls, ensure you have a stable internet connection.

Step Four: Receive Your AFM and Authentication Key

Once verified, you will receive your AFM certificate and authentication codes by encrypted email. If a representative applies on your behalf, the documents may also be delivered through their AADE account.

Step Five: Register for TAXISnet

With your Authentication Key, you can create your TAXISnet account. This is essential for filing taxes, checking obligations, and accessing state services.

Most applicants receive their AFM within two to three business days, though scheduling delays and document issues can extend the process.

How to Get an AFM from Abroad

Not everyone can apply in person. Many expats start their AFM process from abroad, especially when buying property or handling inheritance matters.

In this case, you must appoint a tax representative in Greece—usually a lawyer or accountant. You will need to provide them with a power of attorney (often signed at a Greek consulate or legalized with an apostille).

The representative submits the application online via myAADE, presents supporting documents, and completes the verification step. Once approved, your AFM and Authentication Key are delivered electronically.

From abroad, expect the process to take one to three weeks, depending on document preparation, legalization, and representative efficiency.

DIY or Hire a Professional?

This is one of the biggest questions expats face. Should you apply for your AFM yourself, or should you hire a professional?

Doing It Yourself

If you are already in Greece, speak some Greek, and are comfortable navigating government websites and offices, doing it yourself can save money. The process is free, aside from translation or notary costs.

Using a Professional

If you are outside Greece, don’t speak Greek, or don’t want to deal with bureaucracy, hiring a professional representative is highly recommended. Accountants and lawyers familiar with the system can ensure your paperwork is correct, avoid delays, and handle communication with tax offices.

Pro tip: For property buyers, it is almost always worth hiring a professional, since you will likely need legal help for the transaction anyway.

Common Pitfalls When Applying for AFM

Expats often encounter the same issues:

• Name or spelling inconsistencies between passport and other documents

• Missing apostilles or certified translations

• Delayed appointments at busy tax offices

• Confusion over which tax office has jurisdiction

• Forgetting to update details (like change of address) after AFM issuance

To avoid these problems, double-check every document, prepare translations in advance, and—if possible—get help from someone experienced with the system.

Costs Involved in Getting an AFM

The AFM itself is free. However, costs may arise from:

• Translation and apostille of documents

• Lawyer or accountant fees (typically €100–€300)

• Notary or consulate fees for power of attorney

Compared to the difficulties caused by delays or rejections, many expats consider these fees worthwhile.

Life After Getting Your AFM

Once you have your AFM, things open up quickly. Suddenly, you can open a Greek bank account, sign contracts, and put utilities in your own name. If you’re planning to work or run a business, you can finally register for taxes and begin legally earning income.

Think of the AFM as the key that unlocks Greece for you. Whether you’re buying a seaside home, taking on freelance projects, or simply wanting to pay your electricity bill without relying on someone else’s name, it’s the essential first step.

The Human Side of Bureaucracy

It’s easy to think of the AFM as just another piece of paperwork, but for most expats, it’s a rite of passage. It’s the first real encounter with Greek bureaucracy, and like much in Greece, it requires patience, flexibility, and sometimes a sense of humor.

Don’t be discouraged if things take longer than expected. Ask questions, lean on other expats for advice, and don’t hesitate to hire professional help if it saves you time and stress. Many of us who live here have learned that Greece runs on both rules and relationships—knowing how to handle both is part of settling in.

Frequently Asked Questions About AFM in Greece

Does the AFM expire?
No, it stays with you for life.

Can I apply before moving to Greece?
Yes, via a representative.

Do EU citizens have it easier?
Slightly, since they can often use their EU ID card instead of a passport, but the process is essentially the same.

What if I lose my AFM number?
You can retrieve it through TAXISnet or by visiting your tax office with identification.

Do I need an AFM if I only visit Greece as a tourist?
No, unless you engage in official transactions such as property purchase or opening a bank account.

Final Thoughts: Making Greece Your Home

Getting an AFM may feel daunting, but it is also empowering. It means you are no longer just a visitor—you are officially part of Greece’s system. With that number in hand, you can build a life here, from buying your first property to paying your first tax bill.

Yes, the process can be bureaucratic, but it’s also manageable with preparation and the right support. Take it step by step, stay patient, and remember: every expat before you has gone through the same challenge. The reward is that once you have your AFM, Greece truly opens up to you.