FIP residence for financially independent persons
Live in Greece long-term on stable income or savings from abroad, with no property purchase and no investment: a national D visa for FIP purposes at the consulate where you live, then a 3-year I.8 residence permit after entry. Tax number, bank, housing and the electronic lease are prepared before the visa is filed, by our Greek partner office, through to the fingerprint appointment and handover.
- €12,400 main applicant, inc. VAT
- All document authentication included
- Two bank transfers, at set milestones
- No purchase or investment required
- Licensed team in Greece
- Handled in English
- Track it yourself
- Every fee published
- No promised outcome
What this route is, and who it suits
Not a retirement visa, and not only for retirees
"Non-lucrative visa" and "retirement visa" are marketing names. The legal basis is the sufficient-resources permit of art. 163(8) of Law 5038/2023: pensions, rent, dividends, salary or deposits held abroad all count, and younger applicants qualify too, provided their life in Greece does not depend on working here.
€3,500 a month, uplifted for the family
The benchmark is €3,500 net a month for the main applicant, plus 20% for a spouse and 15% per child: €4,200 for a couple, €4,725 for a couple with one child. Assessed net; periodic income monthly, deposits yearly. The "€20,000 to €30,000 in a Greek account" you may have heard is a practical rule of thumb, not a statutory threshold.
No right to work in Greece
The permit confers no right to employment or business in Greece, and the same limit applies to spouse and children. Remote work for a foreign employer or running a company abroad is not automatically exempt and is assessed by the handling lawyer first. If the plan is to work in Greece, look at the work residence route instead.
How it works
- 01
Free consultation and pre-check
Family, resources, your actual work arrangements and the consulate are checked first, so the route is confirmed before anything is signed.
- 02
Sign the agreement, pay the first half
The bilingual service agreement sets out scope, exclusions, milestones and refunds; 50% is paid within 5 working days of signing (€6,200 main applicant, €620 per family member) by bank transfer, with the account and breakdown on your case page.
- 03
Tax number, bank and housing in parallel
AFM and myAADE access; account opening at one Greek bank and the funds evidence; a genuine lease, rent paid, the landlord’s electronic declaration and your acceptance on myAADE. All of it before the visa is filed.
- 04
D visa review, appointment, filing in person
The file is checked against the consulate’s current list with the authentication and translation it wants; we coordinate the appointment and prepare you for the interview, which you attend in person.
- 05
Visa granted, enter Greece
Validity and conditions are checked and you enter within the permitted window. The D visa is not the permit; the residence application follows after entry.
- 06
I.8 filing, receipt certificate, fingerprint appointment
The lawyer files the main applicant’s I.8 application and the family’s first permits, obtains the receipt certificates and books the biometrics.
- 07
Balance, per applicant
Once an applicant has met all three milestones, their balance notice appears on the case page, payable by bank transfer within 5 working days. Nobody pays before their own milestones are met.
- 08
Biometrics, handover, closure
Within 5 working days of collection you receive the handover: tax-account control, banking results, housing documents, application copies, receipt certificates, open items and deadlines. Follow-up of the examination and card collection are a separate engagement.
Where the money goes
The left column is what the fee covers. Every item on the right is collected by the named body; we neither mark it up nor take a share. It is here because you are entitled to the whole picture before you sign.
We charge · €12,400 main applicant / €1,240 per family member, inc. VAT
- Eligibility and route pre-check: family, residence, resources, work plan, consulate
- Authorisations and necessary translations; a Greek-qualified lawyer for the legal work
- AFM and myAADE access; account opening at one bank and the funds evidence
- Housing evidence: a genuine lease, rent paid, the landlord’s electronic declaration and your acceptance
- D visa file, appointment and interview preparation; supplementary documents; the decision relayed
- The I.8 filing after entry, the receipt certificate, the fingerprint appointment and handover
- Every notarisation, apostille or consular legalisation these applications need
- The main applicant’s €1,000 I.8 application fee and €16 card fee
Paid by you to others · never through us
- D visa consular fee · €180 main applicant (family by the consulate’s scale)
- Family members’ residence application and card fees, by category and minors’ exemptions
- Travel insurance for the visa and private health insurance for the permit
- Medical examination, bank and transfer charges, currency exchange
- Rent, deposit and utilities; property search or agency services
- Your living funds: in your own account, not a fee paid to anyone
- Travel, accommodation, courier, attendance and interpreting
- Tax representative and annual tax filing (separate products)
What you need to start
The pre-check needs only a summary and the passport page; the formal file is built after signing, item by item against the consulate’s list, with authentication and translation arranged by us.
- 1 · Passport photo page
Main applicant and any accompanying family.
- 2 · Lawful status where you live
Residence permit, visa or ID; not needed if you file in your country of nationality.
- 3 · Family and relationships
Spouse and children with ages; marriage and birth certificates are legalised after signing.
- 4 · A one-page list of resources
Holder, currency, net amount, source, receiving account, frequency and any restriction on withdrawal.
- 5 · Your actual work arrangements
Whether you work, for whom and where, stated as it is.
- 6 · Any refusal or criminal record
The decision documents; disclosing now is far better than it surfacing later.
Common questions
No. The FIP conditions are sufficient lawful resources of your own and a genuine address; no property purchase or investment is required. Residence through investment is the Golden Visa, a different route.
Bank deposits are expressly listed as a resource in the ministerial decision and are assessed on a yearly basis. A balance statement alone is not a three-year permit: ownership, source, availability and the family’s outgoings all have to be explained.
Ordinary FIP covers the spouse or partner and minor children. Parents and adult children are assessed separately for their own FIP or another basis; nobody is taken on as a three-generation package and checked afterwards.
Consulate appointments, visa examination and the permit examination after entry are three separate clocks, all set by the authorities, so we publish no total. "Expedited, guaranteed" offers have no official procedure behind them, and we do not sell them.
The agreement is for work and coordination, not a success fee conditional on approval. After a refusal the account is settled on the stage table in article 11: stages not started are not charged, completed work is, and any excess is refunded within 14 calendar days. Remedies or a fresh application are a separate instruction.
Immigration law generally allows temporary absences of up to six months a year without affecting the permit; the tax law’s 183-day test is a separate rule. The permit does not make you a tax resident automatically, nor does it bring the 7% pensioner regime; both are assessed separately.
Neither can be promised. At the end of the three years you may apply to renew for the same term if you still qualify; long-term residence and citizenship each have their own residence, income, insurance and language conditions.
See whether this route fits you first
Tell us who is in the family, where your income or savings come from, which country you live in now, and whether you intend to work. We will say whether it works and what to prepare. English or Chinese, usually same-day.
Every price on this page is the final price, with Greek VAT at 24% already included — nothing is added at checkout. Government / fund / bank / insurance third-party costs sit outside our fee.