Crypto & Digital Assets · Greece
Crypto license in Greece: MiCA CASP requirements (2026)
Greece shaded by its crypto & digital assets status
Crypto is regulated in Greece.
FrameworkEU Markets in Crypto-Assets Regulation (MiCA, Reg. (EU) 2023/1114) directly applicable, transposed and supplemented in Greece by Law 5193/2025 (in force April 2025); Hellenic Capital Market Commission (HCMC) as competent authority for CASPs (operationalised via HCMC Decision No. 8/1059/30.07.2025), Bank of Greece as prudential supervisor for asset-referenced and e-money tokens, AADE for tax administration.
Crypto-assets are legal and comprehensively regulated in Greece under the EU's MiCA regime, which became fully applicable to CASPs on 30 December 2024 and was supplemented domestically by Law 5193/2025, making Greece one of the first EU members to complete national MiCA implementation. The HCMC licenses and supervises crypto-asset service providers, the Bank of Greece oversees stablecoin (ART/EMT) issuers, and the AADE administers a 15% flat capital-gains tax on crypto disposals (with progressive rates for professional, mining and staking income) alongside DAC8 information exchange from 2026.
How to get a crypto license in Greece
To provide crypto-asset services in Greece you need a MiCA CASP authorisation (Crypto-Asset Service Provider), supervised by the Hellenic Capital Market Commission (HCMC), under the EU Markets in Crypto-Assets Regulation (MiCA), Title V.
- Authority
- the Hellenic Capital Market Commission (HCMC)
- License required
- a MiCA CASP authorisation (Crypto-Asset Service Provider)
- Framework / law
- the EU Markets in Crypto-Assets Regulation (MiCA), Title V
- Minimum capital
- €50,000–€150,000 minimum, by service class (Class 1/2/3)
- Timeline
- about 40 working days of substantive review; 1–3 months for a well-prepared application
- Cost
- an application fee of roughly €5,000–€25,000, plus ongoing supervisory fees
- Passporting
- Yes — a single MiCA CASP licence passports across all 27 EU member states.
What a crypto license in Greece covers
- Custody and administration of crypto-assets for clients
- Operating a trading platform for crypto-assets
- Exchanging crypto-assets for funds, or for other crypto-assets
- Executing orders for crypto-assets on behalf of clients
- Reception and transmission of orders, and placing of crypto-assets
- Advice and portfolio management on crypto-assets
- Transfer services for crypto-assets on behalf of clients
How to get a crypto license in Greece: step by step
- 1Incorporate a legal entity with a registered office in the member state, with at least one director resident in the EU.
- 2Build the application file: programme of operations, business plan, governance, AML/CFT, ICT resilience and client-asset segregation.
- 3Submit the application to the national competent authority.
- 4Completeness check: the authority has 25 working days to confirm the file is complete and request anything missing.
- 5Substantive assessment: the authority has 40 working days to grant or refuse the authorisation.
- 6Once authorised, notify the passport to the host member states you intend to serve, then begin operating across the EU.
Documents required in Greece
- Programme of operations describing each crypto-asset service you will provide
- Business plan with three-year financial projections
- Evidence of prudential safeguards (own funds or qualifying insurance)
- Governance arrangements, organisational chart and internal-control description
- AML/CFT policies and the appointment of a compliance officer
- ICT security, business-continuity and DORA-aligned resilience policies
- Custody and client-asset segregation arrangements
- Complaints-handling procedure and conflict-of-interest policy
- Fit-and-proper evidence for directors and qualifying shareholders (CVs, criminal-record certificates)
After authorisation: ongoing obligations in Greece
- Maintain prudential safeguards and own funds at or above the class minimum
- Keep client crypto-assets segregated from the firm's own assets
- Run continuous AML/CFT monitoring, screening and suspicious-activity reporting
- Keep marketing communications fair, clear and not misleading
- Operate complaints handling and manage conflicts of interest
- Meet ICT resilience and incident-reporting duties under DORA
- File periodic reports to the national competent authority
Crypto license in Greece: FAQ
Yes. To provide crypto-asset services in Greece you need a MiCA CASP authorisation (Crypto-Asset Service Provider), supervised by the Hellenic Capital Market Commission (HCMC), under the EU Markets in Crypto-Assets Regulation (MiCA), Title V.
The Hellenic Capital Market Commission (HCMC).
An application fee of roughly €5,000–€25,000, plus ongoing supervisory fees.
Typically about 40 working days of substantive review; 1–3 months for a well-prepared application.
The application file centres on programme of operations describing each crypto-asset service you will provide; business plan with three-year financial projections; evidence of prudential safeguards (own funds or qualifying insurance); governance arrangements, organisational chart and internal-control description; plus fit-and-proper evidence for directors and qualifying shareholders.
Incorporate a legal entity with a registered office in the member state, with at least one director resident in the EU. Build the application file: programme of operations, business plan, governance, AML/CFT, ICT resilience and client-asset segregation. The authority then assesses the file and, once authorised, you can begin operating.
Yes — a single MiCA CASP licence passports across all 27 EU member states.
Key points
MiCA (Reg. (EU) 2023/1114) applies directly across Greece; Title III-IV (stablecoins) since 30 June 2024 and Title V (CASPs) since 30 December 2024. Law 5193/2025 supplements MiCA, designates competent authorities, sets sanctions and investor-protection measures, and provides a transitional 'grandfathering' window for incumbent providers running until 1 July 2026.
The Hellenic Capital Market Commission is the sole authority for authorising and supervising Crypto-Asset Service Providers. HCMC Decision 8/1059/30.07.2025, issued under Art. 101(a) of Law 5193/2025, sets out the application file, acknowledgement within 5 business days, completeness review within 25 business days, and a substantive decision within 40 business days of a complete dossier.
Under Law 5193/2025, the Bank of Greece is designated as the prudential supervisor for issuers of asset-referenced tokens (ARTs) and e-money tokens (EMTs), applying MiCA's reserve, redemption-at-par, governance and own-funds requirements; HCMC and Bank of Greece are also empowered to run 'mystery shopping' supervisory campaigns.
Greece introduced a dedicated 15% flat tax on capital gains realised on the disposal of crypto-assets by individuals, with loss carry-forward up to five years against future crypto gains. Income from mining, staking and professional trading is treated as ordinary/business income and taxed at progressive rates of 9-44%.
Law 5193/2025 also transposes the EU's DAC8 directive, requiring EU-licensed crypto exchanges to report transaction data on Greek-resident users to AADE annually from 2026. CASPs must implement enhanced due diligence above defined thresholds and report suspicious transactions to the Hellenic AML Authority via FIU.net.
Existing crypto service providers active in Greece prior to 30 December 2024 may continue under transitional 'grandfathering' arrangements until 1 July 2026 or until a CASP licence decision is taken; Binance has filed a MiCA CASP application with the HCMC under this regime.
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