Planning to send money to Greece in 2025? Here are the safest options

Greece is a popular destination for tourism, investment, and relocation, meaning thousands of people send and receive money there every day. Whether you’re transferring funds to family, paying for property, or settling a business invoice, choosing the right method ensures your payment is fast, secure, and compliant with both EU and Greek regulations.

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1. SWIFT bank transfers through trusted institutions

SWIFT remains one of the most reliable methods for sending money to Greece. It offers detailed transaction tracking and is widely accepted by Greek banks. To avoid delays, ensure that:

• The recipient’s IBAN and name match exactly with the bank records
• You include a clear payment reference (invoice number, contract ID, or reason for transfer)
• Your sending bank has experience with EU transactions

This method is best for high-value payments, property transactions, and business invoices where detailed proof of payment is needed.

2. Licensed agency-model transfers

With the agency model, a licensed intermediary processes your payment while you keep your primary bank account. This is ideal if your bank has restrictions on international transfers or if you need additional compliance support. Funds are routed through trusted channels, ensuring full alignment with Greek and EU financial laws.

3. Alternative payment routes via partner banks

Sometimes, direct SWIFT transfers can be slow or face regulatory bottlenecks. In such cases, using partner banks in third countries can help complete the transfer faster while maintaining compliance. This approach is particularly useful for clients from countries with limited banking access to Greece.

4. Licensed online payment platforms

Regulated fintech platforms provide competitive exchange rates, multi-currency support, and quick settlement times. When choosing a platform, confirm that it is licensed in both your country and Greece. Look for services offering downloadable payment confirmations, which are useful for property purchases or business records.

5. Cryptocurrency transfers with legal conversion

Some intermediaries accept cryptocurrencies such as USDT or BTC, converting them into euros through licensed institutions in Greece. This offers flexibility, especially for clients with digital assets, but must always comply with anti-money laundering (AML) and source-of-funds requirements.

When to use each method

For large property or business payments, SWIFT and agency-model transfers are the most secure. For urgent personal remittances, licensed online platforms may be faster. Cryptocurrency transfers suit clients seeking flexibility, but they require careful documentation to satisfy compliance checks.

Key compliance rules in Greece

As an EU member, Greece enforces strict AML and know-your-customer (KYC) regulations. Before processing an international transfer, Greek banks may request:

• Proof of identity (passport or ID card)
• Invoice, contract, or reason for payment
• Source of funds documentation for high-value transactions

Having these documents ready before initiating the transfer helps prevent delays.

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Multi-currency options

While the euro (EUR) is the main currency in Greece, some payment routes allow you to send USD, GBP, or other currencies and have them converted upon arrival. Licensed operators can help lock in favorable rates and minimize currency conversion costs.

Insurance and risk protection

For high-value transfers such as property purchases, optional payment insurance provides protection against unexpected issues — from bank errors to regulatory changes. This is especially important for investors making multiple payments over time.

Why choose VelesClub Int. and UNIBROKER

VelesClub Int. and UNIBROKER deliver secure, compliant, and efficient solutions for sending money to Greece:

• Licensed agency-model transfers with full documentation support
• Alternative payment routes for restricted cases
• Multi-currency and cryptocurrency support
• Optional insurance for maximum security
• Coordination with Greek banks, notaries, and legal advisors

Final thoughts

Choosing the right transfer method can save you time, money, and stress. Whether you are sending funds to family, paying for property, or running a business in Greece, working with experienced, licensed providers ensures that your payment is secure, compliant, and delivered without delay.

Explore our full range of global services to find the best solution for your international transfers to Greece and beyond.