Life event15 benefits
Debt settlements and relief in Greece
The benefits that may apply to you in this situation. Each page explains amounts, eligibility and how to apply, with a link to the official source.
myepidoma is not a government body. Whether you are entitled to a benefit is always decided by the competent body, after you apply.
Which of these could you get?
Answer a few questions and see which benefits you may be entitled to. The check is free.
All benefits
Active benefits(12)
Seizure-exempt bank account (up to EUR 1,600 a month)
You declare to AADE one single account at one bank, where your deposits cannot be seized up to EUR 1,600 a month. If you have an account where your salary, pension or insurance benefit is paid, you must declare that one.
Body: Ανεξάρτητη Αρχή Δημοσίων Εσόδων (ΑΑΔΕ)
Suspension of Tax and Social Security Debt Payments for People Hit by a Natural Disaster
After a natural disaster, people certified as having damage to their home get a six-month suspension of tax debt payments, an arrangement and suspension of social security contributions, and a twelve-month suspension of forced enforcement.
Body: Υπ. Κλιματικής Κρίσης και Πολιτικής Προστασίας — Μέτρα στήριξης πληγέντων (11/8/2026)
Free Tax and Benefit-Application Help for Economically Vulnerable Residents of the Dodecanese (South Aegean Region)
The South Aegean Region covers, free of charge, the tax return and applications such as the A21 child benefit, the Minimum Guaranteed Income, the heating and housing allowances, debt settlement, the unseizable bank account and the social electricity tariff for certified economically vulnerable people in the Dodecanese. Information at the Dodecanese Social Welfare Directorate (Erythrou Stavrou 12, Rhodes).
Body: Περιφέρεια Νοτίου Αιγαίου — Διεύθυνση Κοινωνικής Μέριμνας Δωδεκανήσου
Intermediate State Support Programme for the Primary Residence of Vulnerable Households (loan-instalment subsidy and buy-back right)
Vulnerable debtors, including vulnerable debtors with a disability, who risk losing their primary residence get a state subsidy of EUR 70 to 210 a month towards their mortgage instalment. They can then keep the home for up to 12 years through a lease with a right to buy it back.
Body: Γενική Γραμματεία Χρηματοπιστωτικού Τομέα & Διαχείρισης Ιδιωτικού Χρέους — Υπουργείο Εθνικής Οικονομίας και Οικονομικών
Out-of-Court Debt Settlement
Online settlement of total debts over €5,000 to the State, e-EFKA, banks and loan servicers, and since 29/06/2026 also of debts over €5,000 to municipalities and regions.
Body: Υπουργείο Εθνικής Οικονομίας και Οικονομικών — Εξωδικαστικός Μηχανισμός
One-off Special Grant for Electricity Reconnection for Vulnerable Households
National measure (Joint Ministerial Decision of the Ministry of Environment and Energy), run by each municipality: households whose electricity supply has been cut off because of debt, income up to €9,000 (+€4,500/member).
Body: ΥΠΕΝ — Ειδικές Κατηγορίες Καταναλωτών Ηλεκτρικής Ενέργειας
Standing 24-Installment Debt Settlement Scheme (Tax Office / e-EFKA)
You have overdue debts to the tax office or EFKA.
Body: ΑΑΔΕ / e-ΕΦΚΑ (Υπ. Εθνικής Οικονομίας & Οικονομικών)
Bankruptcy Law - Second Chance
Debt settlement and debt discharge through the bankruptcy law
Red Loans Settlement
An online procedure for a personalised loan settlement with a bank or loan servicer.
Body: Υπουργείο Εθνικής Οικονομίας και Οικονομικών — Κώδικας Δεοντολογίας
Instalment plans for debts to municipalities, regions and municipal water utilities
Assessed debts to municipalities and regions can be settled, at the debtor's request, in 2 to 48 monthly instalments; debts to municipal water utilities (DEYA) in up to 60 instalments (5 years). For Minimum Guaranteed Income recipients the council may write off interest and up to 50% of the debt.
Body: ΦΕΚ Α΄ 103/29.06.2026 — ν. 5314/2026 (Κώδικας Τοπικής Αυτοδιοίκησης)
Settlement of Old Social-Security Debts (e-EFKA/KEAO) in up to 72 Instalments (Law 5313/2026)
Debts to e-EFKA and the other social-security bodies for periods up to 31/12/2023 can be settled in up to 72 monthly instalments, with a minimum instalment of €30. Apply online by 31/12/2026.
Body: e-ΕΦΚΑ — Δελτίο Τύπου 2/7/2026
Settlement of Old Tax Debts in up to 72 Instalments (Law 5313/2026)
Settlement of debts to the Tax Administration that fell overdue by 31.12.2023 in up to 72 monthly instalments (minimum instalment 30 euros), with an application on myAADE by 31 December 2026.
Body: Υπουργείο Εθνικής Οικονομίας και Οικονομικών / ΑΑΔΕ
Under review(1)
This information has not been checked by us yet — please confirm it at the official source.
Refund of Overpaid Social Security Contributions (e-EFKA)
Employees, self-employed people, freelancers and farmers who paid contributions without a legal obligation (e.g. double insurance, incorrect calculation)
Body: e-ΕΦΚΑUnder review
Ended(2)
Rounds that have closed. Kept for reference; they no longer accept applications.
Conversion of Swiss-franc loans to euro on favourable terms (ranking certificate, Law 5264/2025)
Borrowers with a performing Swiss-franc loan could convert it to euro at an exchange rate improved by up to 50% and a fixed rate of 2.30%-2.90%, depending on their income/asset category. The application deadline was 30/9/2026.
Body: Υπουργείο Εθνικής Οικονομίας και Οικονομικών — Γενική Γραμματεία Χρηματοπιστωτικού Τομέα και Διαχείρισης Ιδιωτικού ΧρέουςEnded
Public Deposits & Loans Fund — Reward for Consistent Borrowers (legacy TPD housing loans)
You have an active housing (mortgage) loan from the Consignment Deposits and Loans Fund (granted to civil servants/pensioners before 2014 — no new loans have been granted since then) and you are repaying it normally or have a debt settlement in force. · The refund is made automatically every six months to the IBAN you have declared; you only need to have declared a bank account to the Fund.
Body: Ταμείο Παρακαταθηκών & ΔανείωνEnded