---
type: country
domain: crypto-regulation
status: stable
tags: ["crypto-regulation", "europe", "fatf", "legal"]
aliases: ["GR", "GRC", "Ελλάδα"]
created: 2026-09-14
updated: 2025-12-01
compile_into: ["[[country--greece]]"]
sources:
  - name: "HCMC"
    url: "https://www.hcmc.gr"
    type: "official"
  - name: "globallegalinsights.com"
    url: "https://www.globallegalinsights.com/practice-areas/blockchain-cryptocurrency-laws-and-regulations/greece"
    type: "reference"
  - name: "reuters.com"
    url: "https://www.reuters.com/business/finance/greece-tax-gains-crypto-sources-say-2026-06-05"
    type: "reference"
  - name: "hcmc.gr"
    url: "http://www.hcmc.gr/aweb/files/Cryptos/files/Eng/B1_ANNOUNCEMENT_BY_THE_HELLENIC_CAPITAL_MARKET_COMMISSION_REGARDING_THE_REGULATION_ON_CRYPTO-ASSET_MARKETS_AND_THE_ENTRY_INTO_FORCE_OF_LAW_51932025.docx"
    type: "reference"
  - name: "HCMC: Markets in Crypto-Assets"
    url: "http://www.hcmc.gr/en_US/web/portal/agores-kryptostoicheion"
    type: "official"
  - name: "EY Greece Law Alert: HCMC Decision 8/1059/2025 on CASP authorisation (September 2025)"
    url: "https://www.ey.com/content/dam/ey-unified-site/ey-com/en-gr/technical/tax/tax-alerts/2025/09/micar-crypto-assets-law-alert-en-2.pdf"
    type: "legal"
  - name: "PwC Worldwide Tax Summaries: Greece, Corporate, Taxes on corporate income (22%)"
    url: "https://taxsummaries.pwc.com/greece/corporate/taxes-on-corporate-income"
    type: "tax"
---

# 🇬🇷 [[country--greece|Greece]] (GR): Crypto Regulation

> Greece applies [[concept--mica|MiCA]], with the Hellenic Capital Market Commission (HCMC) as competent authority for CASP authorisation. There is no dedicated crypto tax law; the 15% capital gains rate is applied in practice to individuals and a specific crypto tax was being drafted in 2026.

## Overview

| Field | Value |
|-------|-------|
| Status | Legal |
| Risk Score | 25/100 (Low Risk) |
| Enforcement Level | Low |
| Region | [[domain--europe|europe]] |
| Currency | [[entity--eur|EUR]] |
| Adoption Rank | #38 |

## Tax

| Type | Rate |
|------|------|
| Capital Gains (Personal) | No crypto-specific rule in the Income Tax Code (Law 4172/2013); in practice the 15% capital gains rate has been applied. A dedicated 15% crypto capital gains tax was being prepared as of June 2026 |
| Capital Gains (Corporate) | 22% corporate tax on crypto gains |
| VAT on Crypto | No |
| Mining Tax | Taxed as business income |
| Staking Tax | Taxed as income at applicable rates |
| Airdrop Tax | Taxed as income upon receipt |

Greece has no dedicated crypto tax law; tax authorities have in practice applied the 15% capital gains rate to individuals' crypto gains, and legislation introducing a specific 15% crypto capital gains tax was being prepared in mid-2026. Corporate crypto income is taxed at the standard 22% rate.

## Licensing

| Field | Value |
|-------|-------|
| Required | Yes |
| Regulator | [[entity--hcmc|HCMC]] |
| Framework | Regulation (EU) 2023/1114 (MiCA), implemented by Law 5193/2025 (Government Gazette A 56/11.04.2025); HCMC Decision 8/1059/30.07.2025 on the CASP authorisation procedure |
| Ease | medium |
| Cost | $20,000 - $120,000 |
| Timeline | 2-4 months formal review (40 business days for decision once file complete, plus ~25 days completeness check); total 2-4 months from complete application. Legacy range '4-12' overstates; HCMC Decision 8/1059/30.07.2025 sets firm 40-day decision window. months |

HCMC oversees MiCA CASP authorization in Greece. The regulatory framework is developing alongside MiCA implementation.

## Laws & Regulations

| Name | Year | Status | Scope |
|------|------|--------|-------|
| [Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1114) | 2023 | active | supranational |
| [Regulation (EU) 2023/1113 on Transfer of Funds and Certain Crypto-Assets (TFR)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023R1113) | 2023 | active | supranational |
| [Council Directive (EU) 2023/2226 (DAC8)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32023L2226) | 2023 | active | supranational |
| [Regulation (EU) 2022/2554 on Digital Operational Resilience for the Financial Sector (DORA)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32022R2554) | 2022 | active | supranational |
| [Directive (EU) 2018/843 (5th Anti-Money Laundering Directive)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018L0843) | 2018 | active | supranational |
| [Directive (EU) 2018/1673 on Combating Money Laundering by Criminal Law (6AMLD)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018L1673) | 2018 | active | supranational |
| [Regulation (EU) 2024/1624 on Anti-Money Laundering Requirements (AML Regulation)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1624) | 2024 | active | supranational |
| [Commission Delegated Regulation (EU) 2024/2795 supplementing MiCA](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R2795) | 2024 | active | supranational |

Establishes a comprehensive EU framework for crypto-asset service providers (CASPs), stablecoin issuers (ART/EMT), and trading platforms; prohibits market abuse in crypto-assets; full application from 30 December 2024.
Extends [[concept--fatf|FATF]] Travel Rule to crypto-asset transfers; requires CASPs to collect and transmit originator/beneficiary information for all transfers, removing the EUR 1000 threshold; applies from 30 December 2024.
Amends Directive 2011/16/EU to require mandatory automatic exchange of information on crypto-asset transactions held by EU tax residents; CASPs must report to national tax authorities from 1 January 2026.
Mandates ICT risk management, incident reporting, third-party provider oversight, and digital operational resilience testing for financial entities including CASPs covered by MiCA; applies from 17 January 2025.
First EU directive to bring crypto-asset exchange services and custodian wallet providers within AML/CFT scope; introduced KYC obligations and registration requirements for Virtual Asset Service Providers.
Harmonises criminal-law definitions and penalties for money laundering across EU member states; establishes minimum custodial sentences and corporate liability rules applicable to crypto-related ML offences.
Replaces 5AMLD/6AMLD with a single AML Regulation directly applicable in all member states; tightens KYC/CDD requirements for CASPs and sets EUR 1000 cash-equivalent threshold for crypto transactions; phased application 2027.
MiCA Level 2 delegated act setting regulatory technical standards on information requirements and procedures for competent authority notifications under MiCA; part of the MiCA implementation package applicable from December 2024.

## AML / KYC

| Field | Value |
|-------|-------|
| KYC Required | Yes |
| Travel Rule | Yes |
| FATF Member | Yes |
| FATF Status | compliant |

## DeFi

**Status:** Unclear

No specific DeFi regulation

## Stablecoins

**Status:** mica_applies

MiCA Titles III (ART) and IV (EMT) apply in Greece from 30 June 2024. ART/EMT issuers require authorisation; Bank of Greece holds prudential supervisory authority over ART/EMT issuers. Reserve requirements, redemption rights, and disclosure obligations apply. No Greece-specific stablecoin rules beyond MiCA.

## NFTs

**Status:** no_rules

No specific NFT regulation

## Mining

| Field | Value |
|-------|-------|
| Legal | Yes |
| Electricity Cost | $0.16/kWh |
| Renewable Energy | 30% |
| Climate | temperate |
| Infrastructure | good |

Mining is legal with moderate electricity costs and decent renewable energy share. Infrastructure supports data centers adequately.

## Geopolitics

| Field | Value |
|-------|-------|
| Stability | stable |
| Sanctions | No |
| Corruption Index | 50/100 |
| Ease of Business | moderate |
| Internet Freedom | free |
| Banking Access | open |
| Sanctions Programs Active | No |

## Enforcement

HCMC has issued consumer warnings about crypto risks. Enforcement capacity is still developing.

## CBDC Status: in_progress, digital euro preparation phase; Bank of Greece participating in ECB Eurosystem project; target issuance 2029 subject to EU legislation adoption in 2026

## FAQ

### Is cryptocurrency legal in Greece?

Greece applies MiCA, with the Hellenic Capital Market Commission (HCMC) as competent authority for CASP authorisation. There is no dedicated crypto tax law; the 15% capital gains rate is applied in practice to individuals and a specific crypto tax was being drafted in 2026.

### What is the FATF status of Greece?

Greece is classified by FATF as: compliant.

### Are VASPs licensed in Greece?

Yes, licensing is required for VASPs.

### What is the AML/KYC regime in Greece?

KYC is mandatory for crypto businesses.

---

*Data source: [Soken Crypto Legal Map](https://soken.dev/crypto-map/). Last reviewed: 2026-09-14.*

**Sources:**
- [HCMC](https://www.hcmc.gr)
- [globallegalinsights.com](https://www.globallegalinsights.com/practice-areas/blockchain-cryptocurrency-laws-and-regulations/greece)
- [reuters.com](https://www.reuters.com/business/finance/greece-tax-gains-crypto-sources-say-2026-06-05)
- [hcmc.gr](http://www.hcmc.gr/aweb/files/Cryptos/files/Eng/B1_ANNOUNCEMENT_BY_THE_HELLENIC_CAPITAL_MARKET_COMMISSION_REGARDING_THE_REGULATION_ON_CRYPTO-ASSET_MARKETS_AND_THE_ENTRY_INTO_FORCE_OF_LAW_51932025.docx)
- [HCMC: Markets in Crypto-Assets](http://www.hcmc.gr/en_US/web/portal/agores-kryptostoicheion)
- [EY Greece Law Alert: HCMC Decision 8/1059/2025 on CASP authorisation (September 2025)](https://www.ey.com/content/dam/ey-unified-site/ey-com/en-gr/technical/tax/tax-alerts/2025/09/micar-crypto-assets-law-alert-en-2.pdf)
- [PwC Worldwide Tax Summaries: Greece, Corporate, Taxes on corporate income (22%)](https://taxsummaries.pwc.com/greece/corporate/taxes-on-corporate-income)