One Platform for Greece. - You move. We handle

ELLYTIC is a digital operating system for the Greek lifecycle.

It is an AI-powered, paperless concierge that enables individuals, families, professionals, and organisations to manage Greek administrative, tax, legal, property, and inheritance processes end to end in a single, digital-first flow.

ELLYTIC acts as the central bridge between the Greek state and market and an international audience, including expats, the Greek diaspora, investors, and outbound Greeks.

We coordinate AFM issuance, Greek mobile activation, bank onboarding, certified translations, and the full Greek tax lifecycle, including E1, E2, E9/ENFIA, rental income, non-resident filings, and amendments. Beyond taxation, ELLYTIC supports property ownership, utilities, acquisitions, legal procedures, and inheritance steps, with optional add-ons where required.

ELLYTIC is built as a fully paperless, digital-only platform, designed with end-to-end encryption, strict data minimisation, GDPR-first architecture, and eIDAS/QES compliance where legally required.

Alongside private clients, ELLYTIC supports professionals and organisations across legal, tax, real-estate, translation, and corporate domains. Our B2B tooling enables priority handling, bulk workflows, and API-driven document automation, allowing partners to manage clients, cases, and compliance with speed, clarity, and precision.

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ELLYTIC covers every pathway into and out of Greece.

ELLYTIC provides a unified digital framework for managing all Greek administrative, tax, legal, property, and relocation processes, whether you are entering Greece, living there, or transitioning abroad.

From property purchases and asset management to diaspora, inheritance, and cross-border relocation cases, ELLYTIC consolidates complex Greek workflows into a single, structured digital experience.

For property buyers, ELLYTIC manages due diligence, legal and tax pre-checks, utilities setup, contract coordination, and full end-to-end purchase support in Greece. For property owners, we streamline ongoing compliance, including Greek tax filings (E1, E2, E9/ENFIA), utilities management, corrections, and regulatory updates. For diaspora members and heirs, ELLYTIC integrates certified translations, inheritance-related tax processes, and property procedures into one coordinated digital flow. For expats, students, and retirees relocating to Greece, we handle core onboarding requirements such as AFM issuance, banking access, Greek mobile activation, certified translations, and tax registration. For individuals transferring their tax residence abroad, ELLYTIC coordinates AFM and tax status changes, non-resident declarations, civil registry updates, and all required documentation to ensure a compliant and frictionless transition.

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ELLYTIC ensures that all translations are carried out by verified, certified, and legally authorised translators, in full compliance with the standards required by public authorities.

Under Regulation (EU) 2016/1191, public authorities across all EU Member States are required to accept certified translations issued by a qualified translator established in any EU country, for documents falling within the scope of the Regulation. For these EU public documents, a Greece-based translator is not required.

For documents outside the scope of the Regulation, or where a receiving authority explicitly requires a Greek-certified translation or a digitally QES-signed format, ELLYTIC provides the translation formats recognised and accepted by Greek authorities.

ELLYTIC does not perform Apostilles or notarisation, as these procedures can only be carried out by competent public authorities. Where Apostille or legalisation steps are required, ELLYTIC provides structured Apostille Guidance, clearly outlining the responsible authorities, applicable procedures, and jurisdiction-specific requirements.

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ELLYTIC payments are secure, compliant, and fully transparent.

All payments on ELLYTIC are processed via Stripe, PayPal, and Klarna, using industry-standard encryption, tokenisation, and PCI-DSS Level 1 certified infrastructure. At no point do your card details touch ELLYTIC’s servers, and Strong Customer Authentication (SCA) is applied whenever required under EU payment regulations.

ELLYTIC automatically issues VAT-compliant invoices based on your location, customer type, and tax status, ensuring correct treatment in every jurisdiction.

For B2C customers within the EU, VAT is applied under the EU One-Stop Shop (OSS) regime and charged at your local country rate. For B2B customers within the EU, a valid VAT identification number enables 0 percent VAT under the reverse-charge mechanism. For B2C customers outside the EU, invoices are generally issued with 0 percent VAT. Local VAT or GST may apply only if ELLYTIC exceeds the applicable economic nexus thresholds in your country. For B2B customers outside the EU, invoices are issued without VAT, with tax treatment governed by the reverse-charge rules applicable in each jurisdiction.

In all cases, your invoice is generated automatically and reflects the correct VAT treatment for your country, transaction type, and regulatory framework.

ELLYTIC is built on a GDPR-first, EU-law-aligned security and compliance architecture that exceeds statutory requirements.

Across all services, ELLYTIC applies strict data minimisation, encrypted data storage, and role-based access controls to ensure a consistently high level of data protection and operational security.

For identity-sensitive and legally binding workflows, ELLYTIC operates in line with eIDAS standards and Qualified Electronic Signatures (QES), and works exclusively with vetted, EU-compliant translators and professional partners.

To actively prevent fraud, identity misuse, and document manipulation, ELLYTIC applies enhanced compliance and verification controls, including:

• Deepfake and synthetic identity detection
• Anti-Money Laundering (AML) screening
• Proof-of-Address verification
• Government ID verification with liveness detection and biometric face match

Your data is not only protected by regulatory compliance. It is safeguarded through proactive, industry-leading security, verification, and risk-management practices.

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The AFM (ΑΦΜ) is Greece’s personal tax identification number and the foundation of almost all legal, financial, and administrative activity in Greece. It is the single identifier that enables residence, property ownership, employment, utilities, and business interactions with the Greek state and private sector.

Without an AFM, most formal processes in Greece cannot be initiated.

Why you need an AFM in Greece

An AFM is required to:

• Open a Greek bank account
• Obtain a Greek mobile phone number
• Buy or sell real estate in Greece
• Sign utility contracts (electricity, water, gas)
• Set up internet or landline services
• Take out insurance policies
• Register or transfer a vehicle
• Enter payroll or employment contracts
• File property and asset taxes (E9, ENFIA)

While a small number of short-term actions, such as purchasing a prepaid SIM card, may be possible with an ID alone, meaningful interaction with the Greek system quickly becomes impossible without an AFM.

How to apply for an AFM

AFM issuance is handled digitally via the myAADE platform and requires a live identity verification video call with the Greek tax authority (AADE).

Typical required documents include:

• Passport (mandatory for all non-EU citizens)
• National ID card (accepted for EU citizens only)
• Proof of address (officially translated)
• Birth Certificate (officially translated)
• Marriage certificate (officially translated), if applicable

A tax representative is no longer required for non-resident applicants.

Once approved, the AFM is issued and becomes active immediately.

How ELLYTIC helps with AFM issuance

ELLYTIC prepares and validates your complete AFM application file in advance to ensure the AADE verification succeeds on the first attempt. We also coordinate and schedule the official AADE video appointment on your behalf, reducing delays, eliminating errors, and ensuring the entire AFM process is fast, compliant, and frictionless.

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Opening a bank account in Greece generally requires an in-branch visit, including for EU citizens, non-EU nationals, and non-residents.

Remote onboarding exists only in very limited scenarios and is mainly restricted to Greek citizens with permanent residence in Greece. Even in those cases, implementation is inconsistent and bank-specific. For the vast majority of applicants, an in-person appointment at a Greek bank branch remains the standard requirement.

What Greek banks always require

All Greek banks require an active AFM and a comprehensive Know Your Customer (KYC) and Anti-Money Laundering (AML) documentation package, which typically includes:

• Passport (or national ID card for EU citizens)
• Proof of address — always required and always officially translated
• Proof of income or source of funds — always required and always officially translated
• Proof of employment or professional status — always required and always officially translated
• Additional AML documentation, depending on the bank’s internal compliance policies

Although EU AML regulations are based on a risk-based and proportionate approach, Greek banks apply systematic source-of-funds checks in practice, even for basic current accounts without credit facilities. This level of scrutiny is unusually strict by EU standards but remains standard operating procedure in Greece.

Why Greek banks prefer a Greek mobile number

Greek banks, utilities, and many government systems rely on a Greek mobile number for:

• One-time passwords (OTP)
• Strong Customer Authentication (SCA)
• Security alerts and login verification
• Appointment scheduling and onboarding communication

While foreign mobile numbers may occasionally work, reliability is low due to SMS routing limitations, filtering, and legacy IT systems. A Greek mobile number provides the most stable and predictable experience across banking and public services.

How to obtain a Greek mobile number

A Greek SIM or eSIM can be issued using a passport or EU national ID, combined with mandatory SIM registration under Greek telecom regulations.

Once your AFM has been issued, ELLYTIC can provision, register, and activate a Greek mobile number on your behalf, following the granting of a digital Power of Attorney via gov.gr. ELLYTIC guides you step by step through the creation and use of this digital authorisation.

How ELLYTIC supports Greek bank onboarding

ELLYTIC prepares your complete, fully translated KYC and AML documentation package in line with each bank’s official checklist. This reduces back-and-forth, prevents avoidable rejections, and significantly improves first-time approval rates during in-branch onboarding.

Where remote onboarding is technically available, ELLYTIC identifies and facilitates it. Where it is not, we prepare you thoroughly for a first-time-pass in-branch appointment, ensuring a faster, smoother, and compliant bank account opening process in Greece.

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Within the European Union, not all documents require an Apostille.

Under Regulation (EU) 2016/1191, a wide range of public documents circulate freely between EU Member States without the need for a Hague Apostille or diplomatic legalisation. This applies in particular to:

• Birth and marriage certificates
• Death certificates
• Certificates of residence or registration
• Certificates relating to name, family status, partnership, or capacity to marry
• Certain nationality- and domicile-related certificates

For private documents used within the EU, such as mobile phone bills, utility bills, bank statements, or tenancy agreements, a Hague Apostille is never applied. These documents generally only require an official translation. In limited practical scenarios, such as basic mobile phone onboarding, even the translation requirement may be waived.

For use outside the European Union, the traditional Hague Apostille or legalisation chain continues to apply. These procedures are carried out exclusively by the competent public authorities in the issuing country. ELLYTIC does not issue Apostilles. Instead, we assess whether an Apostille is required and clearly identify the responsible authority and correct procedure.

Digital trust and signatures under eIDAS

At the digital level, the eIDAS Regulation ensures EU-wide interoperability of electronic trust services.

A Qualified Electronic Signature (QES) has the same legal effect as a handwritten signature in all EU Member States and is legally recognised across borders.

ELLYTIC applies QES where legal certainty matters most, including translator certifications, client consents, and selected regulatory filings. This ensures that documents are tamper-evident, verifiable, and legally valid across the European Union.

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All certified and sworn translations at ELLYTIC are delivered within 24 hours.

Through a combination of automated workflows, AI-assisted document processing, and human verification by certified professionals, ELLYTIC operates significantly faster than traditional providers, without compromising legal accuracy or quality.

Our Starter and Full Service Bundles, including AFM issuance, Greek mobile number activation, and full bank account onboarding, are completed within 72 hours (three business days). You receive a fully structured setup, correctly prepared documents, and a seamless administrative onboarding that avoids delays, rework, and uncertainty.

All Life Events services — including support for Birth, Marriage, Divorce, and Death registrations, as well as Deregistration and Authorities Support — follow the same timeline:

➡️ Your complete Comprehensive Digital Document Blueprint is delivered within 72 hours. This includes all required translations, full file preparation, and clear, step-by-step guidance for completing the relevant administrative procedures.

ELLYTIC’s speed is not the result of shortcuts. It is the outcome of deeply automated processes, AI-driven consistency checks, and a single, integrated compliance and translation pipeline. This approach eliminates ambiguity, prevents inconsistencies, and ensures outputs that are precise, verifiable, and accepted without doubt by authorities and institutions.

After the preparation phase, the actual processing time depends on the responsible authorities, such as AADE, municipalities, civil registries, AMKA, and banks.

If any correction or revision is required, it is handled immediately at no additional cost. All work remains within the same certified translation and compliance team, guaranteeing consistency, traceability, and legally reliable results across the entire process.

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