Short answer: create a tip page in an app such as TipIns, add your IBAN, then print or show your QR code. Customers scan it with their phone camera and tip in euros by card, Apple Pay or Google Pay, with no app on their side.
In Greece a tip, filodorima, is welcome and not compulsory: locals round up or leave 5 to 10% in a taverna. The millions of visitors who arrive each summer tip more freely, and since card terminals became compulsory for most businesses, many of them carry no cash at all.
What people tip in Greece
| Who | Usual tip |
|---|---|
| Tavernas and restaurants | 5 to 10%, or round up |
| Cafes and bars | Small change |
| Taxis | Round up |
| Hotel porters | €1 to €2 per bag |
| Boat and tour crews | €5 to €10 per person |
How QR code tipping works
- You show or print your QR code.
- The customer points their phone camera at it. A secure web page opens. They need no app and no account.
- They choose an amount in euros and pay with Apple Pay, Google Pay or a card.
- The tip appears in your balance straight away and is paid to your bank account.
Setting up in Greece
- Create your account. Download TipIns and choose a username. You are asked for your legal name, date of birth and address, because payments are processed by Stripe and anyone receiving card payments must be identified.
- Add your bank account. Enter your IBAN. Tips are paid out in euros.
- Print your code. Export a design in business card, A5, A4 or A3 size, or show the code on your phone.
What it costs in Greece
| Item | Cost |
|---|---|
| Download and monthly fee | Free |
| Platform fee | 10% of each tip |
| Card processing | 1.5% plus €0.25 per tip for domestic cards. Cards issued abroad can cost more. |
| Who pays the fees | By default the customer covers them on top of the tip, so you receive the full amount. If they opt out, the fees come out of the tip. |
| Weekly payout to your bank | Free, once your balance reaches the minimum |
| Instant payout | 2% plus €0.25 |
Compared with what people use now
A tip added on the card terminal passes through the business. A personal or team QR code reaches staff directly, and a visitor can pay it with a card from home.
Tips for a whole team
If tips are shared, create a group. The venue shows one QR code and each tip is divided between members, equally or by percentages the owner sets. With active shifts switched on, a tip is shared only between the people working when it arrives. Each person is paid to their own bank account, and every member can see how each tip was split. The methods are compared in how to split tips between employees fairly.
Tax and the law in Greece
Greece has introduced rules that exempt tips paid by card from tax and social contributions within limits. Ask your employer or an accountant how the current rules apply to you.
This is general information, not tax or legal advice. Check with AADE or a qualified adviser about your own situation.
Common questions
Is tipping expected in Greece?
In Greece a tip, filodorima, is welcome and not compulsory: locals round up or leave 5 to 10% in a taverna. The millions of visitors who arrive each summer tip more freely, and since card terminals became compulsory for most businesses, many of them carry no cash at all.
How much does QR code tipping cost in Greece?
TipIns has no monthly fee. Each tip carries a 10% platform fee plus card processing of 1.5% plus €0.25 for domestic cards. By default the customer covers these, so you receive the full tip.
What bank details do I need in Greece?
You need your IBAN. Tips are paid out in euros.
Are tips taxable in Greece?
Greece has introduced rules that exempt tips paid by card from tax and social contributions within limits. Ask your employer or an accountant how the current rules apply to you.
Do customers need an app to tip by QR code?
No. They scan the code with their phone camera and pay on a secure web page with Apple Pay, Google Pay or a card.