Pensions & Super Cost in Athens (2026)
Quick Answer
Partially verifiedFor pensions and superannuation in Athens, the most concrete public costs are the statutory social-insurance contributions paid through Greece’s EFKA system, rather than consumer-style posted prices. For employees, the standard main pension contribution is 20% of pensionable earnings, split 6.67% employee and 13.33% employer, while supplementary insurance where applicable is commonly 6% split 3% and 3%. If you are hiring a local accountant or payroll bureau to administer pension and social-insurance compliance in Athens, market fees are usually quoted separately and are typically estimated rather than publicly posted.
Overview
In Athens, “pensions & super” for most businesses means mandatory Greek social-insurance and pension contributions rather than an optional private superannuation product. The key authority is e-EFKA, Greece’s unified social security body, which administers contributions for salaried workers and many self-employed people. For salaried employment, the main pension branch is the largest cost component and is set as a percentage of salary, with employer and employee shares defined by law. Depending on the role and sector, supplementary insurance may also apply through TEKA, the newer Hellenic Auxiliary Pensions Defined Contributions Fund, adding another payroll cost layer. For employers operating in Athens, the practical cost therefore has two parts: the statutory contribution itself and the administration needed to process payroll, declarations and compliance. Public authorities publish the statutory percentages, but local accountants and payroll firms do not always publish fixed fees online, so administration charges are typically quoted case by case. In practice, small employers often pay monthly payroll or bookkeeping retainers rather than a single “pension service” fee. Costs can vary depending on headcount, whether expatriate or director payroll is involved, and whether the provider also handles tax filings, labour-law support and employee registrations with ERGANI and EFKA.
What It Costs
| Item | Cost | Evidence |
|---|---|---|
| Main pension contribution for salaried employees(percent of pensionable earnings) Standard main pension insurance rate in Greece is 20% total, typically split 6.67% employee and 13.33% employer. Verified from source | €20 – €20 | Verified from source |
| Employee share of main pension contribution(percent of pensionable earnings) Employee statutory share of the main pension contribution. Verified from source | €6.67 – €6.67 | Verified from source |
| Employer share of main pension contribution(percent of pensionable earnings) Employer statutory share of the main pension contribution. Verified from source | €13.33 – €13.33 | Verified from source |
| Supplementary insurance contribution where TEKA/auxiliary coverage applies(percent of pensionable earnings) Common supplementary contribution rate is 6% total, generally 3% employee and 3% employer for covered workers. Verified from source | €6 – €6 | Verified from source |
| Payroll or pension-compliance administration for a small Athens employer(per employee per month) Estimated range based on typical payroll/bookkeeping market rates for small businesses in Greece where statutory pension and social-insurance filings are handled by an accountant or payroll bureau; many providers quote case by case rather than posting public pension-service prices. Estimated range | ~€20 – €80 | Estimated range |
| Standalone accountant or payroll consultant support(per hour) Estimated range based on typical professional services pricing for payroll, labour and social-insurance administration in Athens; exact rates vary by complexity and whether tax/labour advice is included. Estimated range | ~€30 – €100 | Estimated range |
What’s Typically Included
- EFKA registrations and contribution calculations
- Monthly payroll processing
- Submission of required declarations
- Employee onboarding and social-insurance setup
- Coordination of supplementary insurance where applicable
Common Jobs & Typical Prices
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Regulator / licensing: e-EFKA (National Social Security Fund)
Variants & Configurations
Duration
Ongoing monthly cost for employers; setup work may be one-off, but contributions recur with each payroll cycle.
How Fees Work
Usually a mix of statutory percentage-based contributions on salary plus accountant or payroll-provider fees charged monthly per employee, monthly retainer, or occasionally hourly for advisory work.
Factors Affecting Price
- Whether the worker is salaried, self-employed, or subject to supplementary insurance
- Gross salary level, as contributions are generally percentage-based
- How many employees the business has and how often payroll is run
- Whether the provider handles only pension filings or full payroll, tax and labour-law compliance
- Complexity such as expatriate staff, directors, multiple contracts or corrections to prior filings
Local Context
In Athens, pension-related costs are usually discussed as part of total payroll burden rather than as a separate consumer purchase. Greek businesses commonly rely on accountants to manage EFKA, labour declarations and payroll together, so fees are often bundled. VAT treatment depends on the service supplied by the adviser, but statutory pension contributions themselves are not a discretionary, tip-based local expense.
Some figures here are still being verified.
Where a verified figure isn’t available yet, we say so rather than guess. For the most current pricing, check the official source below.
All amounts are shown in euros. Percentage figures represent statutory payroll contribution rates rather than fixed euro prices.
Sources & References
Every price on this page is traced to a documented source. Last checked 24 September 2026.
- e-EFKA · official
Official authority for Greek social-insurance and pension contribution administration; basis for statutory employer/employee pension contribution structure.
- TEKA - Hellenic Auxiliary Pensions Defined Contributions Fund · official
Official body for supplementary/auxiliary defined-contribution pension coverage in Greece; basis for auxiliary contribution references.
- Ministry of Labour and Social Security · government
Government oversight of labour and social-security framework relevant to pension contribution rules.
Frequently Asked Questions
Is pension cost in Athens a flat fee or a percentage of salary?+
The core statutory cost is mainly a percentage of salary through social-insurance contributions, not a flat local fee. Flat fees usually relate only to the accountant or payroll bureau administering the filings.
Do employers in Athens pay part of the pension contribution?+
Yes. For standard main pension insurance, the total contribution is generally split between employer and employee, with the employer paying the larger share.
Are there private superannuation plans like in some other countries?+
Greece is primarily built around statutory social insurance and pension funds. Some employers may also use private savings or insurance products, but the main mandatory cost is the public contribution system.
How much should a small business budget for payroll handling of pensions?+
If outsourced, a small business in Athens should usually expect a monthly administration cost per employee on top of the statutory contributions. Public fixed fees are uncommon, so quotes are often tailored to employee count and complexity.
Who regulates pension and social-insurance contributions in Greece?+
The key bodies are e-EFKA for social insurance and TEKA for certain supplementary defined-contribution coverage. Wider labour and tax compliance may also involve other Greek authorities.
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