Which cards are accepted at ATMs in Greece?

Most Greek ATMs are compatible with Visa and Mastercard, which have very high acceptance across the country. Maestro cards also work well at local ATMs and supermarkets. American Express has medium-to-low acceptance and is often avoided by small businesses due to high processing fees, while Discover cards are largely declined automatically by most Greek card readers.

What are the ATM fees in Greece after the 2025 law changes?

In 2025, Greece introduced zero withdrawal fees across most of the main ATM network. Cash withdrawals between different Greek banks within the DIAS interbank system are now free. Fees at third-party or independent ATMs are capped at €1.50 (previously these could exceed €5). No bank can charge you to check your balance at an ATM, and in municipalities where only one ATM exists, withdrawals are free regardless of who owns the machine. Note that your home bank may still apply its own foreign transaction fees.

Should I avoid third-party ATMs like Euronet in Greece?

Yes. Third-party ATMs such as Euronet, commonly found at airports, ferry ports, and tourist hotspots, charge much higher transaction fees than ATMs operated by major Greek retail banks. Always look for the logos of major Greek banks such as Alpha Bank, Eurobank, National Bank of Greece, or Piraeus Bank to ensure you are getting the legally protected fee rates.

Are ATMs easy to find on Greek islands and in rural areas?

ATMs are widely available on popular islands like Crete, Rhodes, and Corfu, usually near ferry ports, airports, and town squares. However, on smaller islands like Anafi or Sikinos, there may only be one or two ATMs for the entire population, which can suffer from cash shortages or technical issues during peak summer. In mountain villages and rural mainland areas, ATMs can be very scarce, so it is always advisable to withdraw enough cash before leaving the mainland.

Does Greece limit how much cash I can bring into the country?

Yes. Under EU anti-money laundering laws, you must declare any amount of €10,000 or more (or its equivalent in another currency) to customs upon arrival in Greece. Failure to declare can result in fines or seizure of the funds.

Why Greece Feels Empty in August (and Full at the Same Time)

Back to Blog

August 27, 2026

Article by:

Anastasia Argyroudi

If you have recently moved to Greece and are experiencing your first August here, you may find yourself wondering where everyone went. Streets that were bustling a few weeks earlier have suddenly gone quiet, your favorite neighborhood cafe may be closed, and local businesses have started putting up signs announcing that they will reopen after the summer holidays.

‍

At the same time, ferries are full, highways are busy with traffic heading toward the coast, and the islands are buzzing with life. It can feel contradictory at first, but this seasonal shift is one of the most distinctive parts of August in Greece.

Why does Greece feel so quiet in August?

August is traditionally the heart of the Greek summer holiday season. Many families take extended breaks, return to their hometowns, visit relatives or spend several weeks by the sea. Even people who remain based in the cities often leave for the beach at weekends or spend long evenings outdoors.

‍

For anyone adjusting to expat life in Greece, the change can be surprisingly noticeable. Major cities such as Athens and Thessaloniki often feel calmer, particularly around mid-August. During this period, parking is easier to find, the subway is never as full, as well as shops, cafes and offices are temporarily closed.

Where does everyone go?

While the cities slow down, many coastal destinations do the opposite. Popular Greek islands, beach towns and mountain villages welcome both international visitors and Greeks enjoying their annual holidays. Tavernas fill up, village squares host summer celebrations, and ports become much busier as people travel across the country.

‍

This is why Greece can feel empty and completely full at the same time. The population has not disappeared. It has simply shifted toward the coast, the islands and and the χωριό (chorió), the family village or hometown, where many Greeks return each summer to reconnect with relatives and spend time away from the city.

What August reveals about Greek culture

For expats, August offers a useful glimpse into Greek priorities. Family, community and quality time often take precedence over work during this period. Rather than trying to fit as much as possible into a short holiday, many people spend their days swimming, sharing long meals and catching up with relatives or friends they may not see often.

‍

If you are living in Greece as an expat, this slower rhythm can take some adjustment, especially if you come from a culture where businesses remain open throughout the summer. Over time, however, it becomes easier to understand why August holds such a special place in the Greek calendar.

What expats should know before August in Greece

If you are planning to travel during August, book accommodation and transportation early, particularly if you are heading to a popular island or coastal destination. Ferries, domestic flights and hotels can fill up quickly during peak periods.

‍

It is also worth checking opening hours before visiting local businesses, professional offices or smaller service providers. Some operate reduced schedules, while others may close completely for part of the month. If you are in the middle of paperwork after moving to Greece, allow extra time for appointments and administrative tasks where possible.

How to enjoy August like a local

The best way to enjoy August in Greece is to embrace its rhythm. Join friends for a weekend escape, accept invitations to long seaside dinners and do not be surprised if an afternoon coffee stretches into sunset. Once you understand the flow of the month, what initially feels confusing can become one of the most memorable parts of living in Greece.

‍

For many newcomers, August is also the point when Greece starts to feel less like a destination and more like home. You begin to understand the seasonal routines, the importance of taking time away and the community-oriented lifestyle that draws so many people to the country in the first place.

Frequently Asked Questions

Why does Athens feel empty in August?

Many Athenians leave the city for islands, coastal towns or family hometowns during the traditional summer holiday period.

Do businesses close in Greece in August?

Some independent businesses and professional offices close or reduce their hours for part of August, particularly around mid-month.

Is August a good time to visit Greece?

August offers peak summer weather and a lively island atmosphere, but popular destinations are also at their busiest and advance booking is recommended.

What should expats expect in Greece in August?

Expect quieter cities, busier islands and coastal areas, reduced opening hours in some businesses and a generally slower pace of everyday life.

Thinking about moving to Greece?

If you are considering moving to Greece, understanding everyday life is just as important as understanding visas, residency or property. Seasonal rhythms, local customs and the way businesses operate can all shape your experience of living here long term.

‍

My Greek Expat Journey supports foreigners with the practical side of relocating to Greece, from residency and tax numbers to property and settlement services. If you are still planning your move, our Greece relocation services can help you understand what needs to happen before and after arrival.