Identity verification in Greece
Greece is a Tier-2 European market of ~10.4 million people operating inside the full EU regulatory stack — Law 4557/2018 (AML/CFT), Bank of Greece (credit/payment/EMI supervision), Hellenic Capital Market Commission (HCMC) (investment firms and, from 2025, MiCA CASPs), the Hellenic Anti-Money Laundering Authority (HAMLC) as FIU, the Hellenic Data Protection Authority (HDPA) under GDPR + Law 4624/2
Documents supported
(Government IDs from 220+ countries)
Average verification time
Countries covered
(Government-issued IDs validated)
Market overview
Greece has ~10.4 million residents and one of the EU's more digitised public sectors. Taxisnet, operated by AADE (Ανεξάρτητη Αρχή Δημοσίων Εσόδων — the Independent Authority for Public Revenue), is used by virtually every adult for tax filing and e-government access, and it doubles as a de facto identity scheme across gov.gr services. The gov.gr Wallet, launched in July 2022 by the Ministry of Digital Governance, now holds digital copies of the national ID card, driving licence, AMKA social-security number, vaccination certificates and student credentials, and had registered millions of active users by 2025. Financial services. Statista projects the Greek neobanking transaction value at ~US$15.7 billion in 2025, growing to ~US$21 billion by 2028 at a ~10% CAGR. Four systemic banks (Alpha B
Supported documents
Didit templates cover national IDs, passports, residence permits and regional documents — plus 14,000+ documents globally for cross-border flows.
Hellenic Police
Polycarbonate card, ICAO MRZ, contactless chip with digital photo + 2 fingerprints + MRZ data; 10-year validity; issuance started 25 September 2023 under Reg. (EU) 2019/1157
Gold-standard ID going forward. Carries a 12-digit Personal Number (PIN) from 2025 onwards, visible on the card and embedded in the chip. Main fraud vectors in remote flows: photo substitution on
Hellenic Police
Paper/laminated card (blue or white, older variants)
No chip, no MRZ, weak anti-fraud features. Obliged entities should treat as higher-risk and apply extra template/OCR checks.
Hellenic Police — Passport Division
ICAO-compliant biometric passport with contactless chip
Accepted universally. Primary fallback for non-ID holders and the Greek diaspora.
Ministry of Infrastructure & Transport
EU-format polycarbonate card
Accepted as supplementary evidence; rarely primary ID for financial KYC.
Ministry of Migration & Asylum
EU-format polycarbonate residence-permit card under Reg. (EC) 1030/2002
Pair with passport for full identity set.
Member State authorities
ICAO chip or card-format IDs
Accepted for KYC under free-movement rules.
Ministry of Digital Governance
Mobile credential with dynamic QR + digital signature
Legally equivalent to the physical ID card within Greek territory per Law 4727/2020 and subsequent ministerial decisions; not an international travel document. Increasingly accepted for remote
Regulators
Τράπεζα της Ελλάδος — BoG
Πράξεις Εκτελεστικής Επιτροπής — PEE
Regulation (EU
ment, and Unit C for asset declarations of public officials — under a single President who is also the head of the Hellenic FIU
-gambling platform, which includes the national self-exclusion register
Ministry of Interior
regulated
Centralized civil registry. AFM (tax number) and AMKA (social security number) are key identifiers. Digital transformation in progress.
Ministry of Digital Governance
regulated
Government digital services platform. Digital identity wallet and eID in development/rollout. TaxisNet credentials widely used for online identification.
Union of Hellenic Chambers
open
General Commercial Register. Online search available.
Government & regulated databases
Compliance framework
AML framework
Supervised by Bank of Greece
Primary AML law. Law 4557/2018 (Νόμος 4557/2018, Government Gazette 139/A/30.07.2018) transposes the EU 4th AMLD (Directive (EU) 2015/849) and, as amended, the 5th and 6th AMLDs. It replaces the older Law 3691/2008 and sets out the full due-diligence, beneficial-ownership, reporting and sanctions regime. Obliged entities (υπόχρεα πρόσωπα) are enumerated in Article 5 and include credit institutions, payment institutions, EMIs, investment firms, UCITS managers, insurance companies and intermediari
Data protection
Supervised by GDPR
Greece applies GDPR's default rules — data can flow freely within the EEA, and transfers to third countries require an adequacy decision, SCCs, or a derogation under Art. 49. Vendors processing biometric data for Greek financial institutions typically host inside the EEA to simplify DPIAs and vendor
Penalties for non-compliance
BoG publishes annual financial-stability and supervisory reports and has taken multiple AML actions against smaller payment institutions and EMIs for CDD and SAR-filing failures. Fines under Art. 46 of Law 4557/2018 are administrative and capped per infraction (€1 million or 10% of turnover / €5 mil
Use cases
Neobanks, EMIs, payment institutions, lenders, brokerages.
Greek credit institutions, EMIs and payment institutions supervised by the Bank of Greece run a standardised remote-onboarding flow calibrated to PEE 172/1/29.05.2020 (remote onboarding rules), PEE 281/5/17.03.2019 (AML/CFT compliance framework), Law 4557/2018, and the EBA Guidelines on remote custo
Exchanges, custodians, wallets, on/off-ramps.
Greece is the first Southern European state to complete MiCA transposition: Law 5113/2024 was published in the Government Gazette on 30 December 2024, and Law 5193/2025 (Part C, the MiCA Law) filled in the implementing details. The HCMC is the competent authority for CASP authorisations; the Bank of
Sports betting, online casinos, age-gated platforms.
The HGC regime under Law 4002/2011 (as rewritten by Law 4635/2019) requires licensed operators to run a tightly prescribed player-onboarding flow. Greece has one of the highest per-capita online-betting intensities in the EU, and HGC has been aggressive in blocking unlicensed sites and enforcing KYC
Gig platforms, delivery, creator economy, e-commerce.
Greek marketplaces (gig platforms, delivery, e-commerce, vacation rentals) fall outside the core AML regime unless they handle funds as payment services. When they do — most commonly by embedding an EMI or payment institution — the underlying licensed entity is a Law 4557/2018 obliged entity and the
Biometric liveness
BoG's PEE 172/1/29.05.2020 does not prescribe a specific liveness technology but requires that the onboarding solution reliably detect impersonation, presentation attacks and deepfakes, with a documented auditable trail. In practice, regulated entities align on ISO/IEC 30107-3 PAD Level 2 certification, which is the same baseline used across the rest of the EU under EBA/GL/2022/15. HDPA has not published a dedicated biometrics guideline on the scale of the Spanish AEPD or the French CNIL, but it
CERTIFICATIONS
Our platform meets the highest international standards for information security, data privacy, and biometric accuracy.
Full EU data protection compliance
Information security management
PAD (liveness + face match)
TRUSTED WORLDWIDE
Join thousands of companies that trust Didit for their verification needs
Didit’s NFC + active biometrics technology blocks the most advanced fraud scenarios, offering a level of security equivalent to or superior to in-person verification.
Spanish Financial Sandbox
CNMV, SEPBLAC & Spanish Treasury — Conclusions Report
Didit is an exceptionally valuable partner, delivering a stable and highly adaptable solution”.
Vuk Adžić
Head of the E-Business Department at Crnogorski Telekom
Didit offered us a robust technology with a simple implementation and adaptability to different markets”.
Fernando Pinto
CEO & CoFounder at TucanPay
Thanks to Didit we have been able to reduce manual processes and improve data extraction accuracy”.
Diana Garcia
Trust & Safety Executive at Shiply
Didit’s integration slashed verification times and costs, freeing resources for other projects”.
Guillem Medina
COO at GBTC Finance
Didit removed KYC costs, enabling faster scaling with high verification standards and less fraud.”
Paul Martin
VP Marketing & Growth at Bondex
Didit’s secure, user-friendly verification boosts customer trust and optimizes our process.”
Cristofer Montenegro
Executive assistant to the CEO at Adelantos
Didit ensures a precise, secure digital onboarding without slowing negotiations or client time.”
Ernesto Betancourth
Gerente de riesgos at CrediDemo
FAQ
Yes. Greece permits remote KYC onboarding under its national AML framework, including document verification, biometric liveness and video identification where required by regulation.
Didit verifies all major national IDs, passports and residence permits issued in Greece, plus 14,000+ document types globally for cross-border flows.
Didit charges $0.30 per verification with 500 free checks per month. No contracts, no minimums. Competitors typically charge $1.00–$2.50+ per verification.
Yes. Didit screens against 1,000+ global watchlists including PEP databases, sanctions lists (EU, UN, OFAC, OFSI), and adverse media — covering all AML obligations in Greece.
Most regulated sectors in Greece require or strongly recommend biometric liveness detection for remote onboarding. Didit provides ISO 30107-3 PAD Level 2 certified liveness.
Yes. Didit supports document verification, liveness, AML screening and ongoing monitoring aligned with Greece’s crypto regulatory framework, including EU Travel Rule compliance where applicable.
Yes. Didit provides document-based age verification and identity confirmation suitable for Greece’s iGaming regulatory requirements.
500 free verifications per month. No contracts, no minimums. $0.30 per verification after the free tier.
