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Countries

SerbiaChecked 18 August 2026

Yes, with paperworkWork: HighEnforcement: Active

In one paragraph: Serbia copied Europe's privacy law almost word for word, so the duties feel familiar. Data can leave the country, and for most of Europe and a long list of other countries it can leave with no paperwork at all. The privacy regulator is busy — over a thousand inspections in 2025 — but it hands out warnings, not fines. The biggest fine any Serbian court imposed for a privacy breach in 2025 was about $950.
The catch: Two industries break the general picture. Online gambling operators must keep a copy of their whole player and transaction database physically inside Serbia. Banks, insurers and other financial firms cannot move any IT work abroad without telling the central bank 30 days ahead, proving the foreign country would let Serbian supervisors inspect on site, and risking a veto that forces them to cancel the contract.
Does this apply to me?: Yes. The law reaches a company anywhere in the world if it offers goods or services to people in Serbia, or watches what they do in Serbia. There is no size or revenue threshold to hide behind. If you are caught this way you must appoint a written representative living or based in Serbia, unless your processing is occasional and low risk or you are a public body.High confidence
Can the data leave the country?: Yes, with paperwork — and often with none at all. Serbia treats a very long list of countries as automatically safe: every member of the Council of Europe's data protection treaty, which covers all of Europe plus Argentina, Mexico, Morocco, Mauritius, Senegal, Tunisia, Uruguay, Cape Verde and others, and separately every country the European Union has approved. Sending data there needs no permission and no contract. Everywhere else you sign the Commissioner's standard contract or use approved group rules. Only one industry has a hard wall: online gambling. Banking has a gate rather than a wall.High confidence
What do I have to do to send it abroad?: First check the destination. If it is on the safe list, you need nothing — no contract, no filing, no approval. If it is not, you sign the standard contract the Serbian regulator published in January 2020, or you get approved group-wide rules. If you want to use your own wording instead of the standard contract, the regulator must approve it and has 60 days to answer. As a last resort there are narrow exceptions such as the person's explicit consent.High confidence
Who enforces this — and are they actually working?: The Commissioner for Information of Public Importance and Personal Data Protection, and it is genuinely working. In 2025 it finished 1,169 inspections, received 5,310 cases and issued 102 corrective orders. But it almost never fines. Of those 102 orders, 101 were warnings and one was a ban on processing. It asked the courts to punish only three organisations all year. Banks answer to the National Bank of Serbia instead, and it is fully active. A brand-new Office for Information Security exists on paper since October 2025 but we could find no sign it is running yet.High confidence
How long must I keep it, and when must I delete it?: There is no single national rule. The privacy law says keep data only as long as you need it, and each sector sets its own clock. Online gambling operators must keep every transaction for at least ten years. Phone and internet companies must keep who-called-whom records for exactly 12 months and then destroy them. Anyone selling a phone line must keep the customer's identity check for 12 months after the service ends. Financial firms must keep a live register of every outsourced service, including which countries the data sits in.High confidence
What happens when something goes wrong?: Count three clocks. Privacy breach: tell the Commissioner without delay and at the latest within 72 hours, and if you miss that you must explain why. Cyber incident: if you run an information system the state has classed as important, you have only 24 hours to report it. Then a third clock starts — updates every 24 hours for a serious incident, every three days for a middling one, and a final report within 15 days of the incident ending. Banks report cyber incidents to the central bank instead, promptly, with no fixed hour count.High confidence
What's the trap?: Five. (1) A child can consent for themselves at 15, not 13 or 16 — plan your age gates around 15. (2) A foreign court order or foreign tax authority demand for data is recognised in Serbia only if a treaty backs it, so handing data to an overseas authority on request can itself be unlawful. (3) Individuals, not just companies, can be prosecuted; the regulator has filed 49 criminal complaints since 2010. (4) Dozens of older Serbian laws still contradict the privacy law and were never fixed. (5) The government's official list of safe destination countries has not been touched since 2019 and still names a United States framework that died in 2020.High confidence
What's about to change?: One dated change and several unscheduled ones. From 1 January 2027 the ministry formally takes over supervising the new Office for Information Security, which should mean the office is actually up and running by then. A rewrite of the privacy law is being drafted by a special working group covering video surveillance, biometrics, genetic data and artificial intelligence, and a separate group is drafting an artificial intelligence law. Neither has been published as a bill, so neither is binding.High confidence
Hardest industry wall: Online gaming — Pravilnik o informaciono-komunikacionom sistemu za priređivanje posebnih igara na sreću preko sredstava elektronske komunikacije

GreeceChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Active

In one paragraph: For most businesses Greece is a normal European country: personal data can leave, as long as you use one of the standard European transfer tools. But Greece has two hard walls that Europe does not. Phone and internet connection records must physically sit on machines inside Greece. Online gambling operators must keep their records on a server inside Greece too. The privacy regulator is fully staffed and fining companies today.
The catch: The relaxed European headline stops being true the moment you touch three things. Telecoms connection records must be stored on physical media inside Greek territory for twelve months. Online gambling records must sit on a server or safe inside Greece for ten years. And Greek public bodies must run their central systems on the Greek state's own clouds, not on a commercial cloud of their choosing. Outside those three, plus the health and public sectors, Greece imposes no storage-location rule of its own.
Does this apply to me?: Yes, it reaches a foreign company with no office in Greece. The European privacy rules apply to anyone anywhere who offers goods or services to people in Greece, or who watches what they do online. The Greek national law adds that it also covers anyone processing data on Greek soil. There is no size or revenue threshold that lets you off. If you have no establishment anywhere in Europe, you must appoint a written representative inside the European Union.High confidence
Can the data leave the country?: In general, yes. Greece adds no storage-location rule of its own to the European baseline, so ordinary business data can be sent abroad once you have the right European transfer paperwork. Three industries break that rule completely. Telecoms companies must keep their connection records on machines physically inside Greece. Online gambling operators must keep their records on a server inside Greece. And Greek government bodies must run their main systems on state-operated clouds. Health, banking and insurance have extra hoops but no location rule.High confidence
What do I have to do to send it abroad?: You need one of the standard European transfer tools before data leaves Europe. The simplest is sending it to a country the European Commission has already approved. If the destination is not approved, you sign the European Commission's standard contract with the recipient, or use approved group-wide internal rules, and you write down why you think the data will still be safe there. Greece adds no extra permission, filing or fee of its own.High confidence
Who enforces this — and are they actually working?: Six bodies, and all six are genuinely working. The Hellenic Data Protection Authority is the main privacy regulator and is issuing numbered decisions and fines every month — its most recent published decisions run to July 2026 and include fines on a bank and an electricity supplier. A separate constitutional authority polices the secrecy of communications. There is also a national cybersecurity authority, a telecoms regulator, the central bank for finance and insurance, and a gambling regulator. This is not a paper regime.High confidence
How long must I keep it, and when must I delete it?: Both directions apply, and they collide. Business books must be kept five years. Medical files must be kept ten years in a private practice and twenty years everywhere else. Online gambling records must be kept ten years. Telecoms connection records must be kept exactly twelve months and then automatically deleted. In the other direction, the European rule says you must not keep personal data longer than you need it. When a specific keeping rule and the general deleting rule clash, the specific keeping rule wins.High confidence
What happens when something goes wrong?: Count three clocks, not one. If personal data is lost or exposed, you have 72 hours to tell the privacy regulator. If you run important infrastructure, you have only 24 hours to send a first warning to the national cybersecurity authority, then 72 hours for a fuller report and one month for the final one. If you are a phone or internet provider, you have 24 hours to report a personal data breach and a separate duty to tell the communications secrecy authority. Missing the 24-hour clocks is the most common failure.High confidence
What's the trap?: Five things that will cost you a weekend. First, a child in Greece can consent to an online service at fifteen, not sixteen — so an age gate built to the European default is set wrong. Second, misusing personal data is a crime here, with prison time, not just a fine. Third, several articles of the Greek privacy law are printed in the statute but the regulator has formally said they must not be applied, because they clash with European law. Fourth, telecoms connection records must physically stay in Greece. Fifth, government bodies cannot simply pick a commercial cloud.High confidence
What's about to change?: Three dated changes. Electronic invoicing between businesses became compulsory for large Greek companies on 2 March 2026 and becomes compulsory for everyone else on 1 October 2026. Greece's new artificial intelligence law took effect on 22 July 2026 and forces public bodies to register every artificial intelligence system before switching it on. And from 12 January 2027 European law bans cloud providers from charging you to move your data out.High confidence
Hardest industry wall: Telecoms — Νόμος 3917/2011 — Διατήρηση δεδομένων που παράγονται ή υποβάλλονται σε επεξεργασία σε συνάρτηση με την παροχή υπηρεσιών ηλεκτρονικών επικοινωνιών
Online gaming — Νόμος 4002/2011 — Ρύθμιση της αγοράς παιγνίων, άρθρο 47, και Κανονισμοί Παιγνίων (ΥΑ 79305/2020 και 79835/2020)
Government — Νόμος 4727/2020 — Ψηφιακή Διακυβέρνηση, άρθρο 87 (Κυβερνητικά νέφη)

The eight framework questions answered for each selected country
Question	SerbiaChecked 18 August 2026	GreeceChecked 18 August 2026
The three ratings	Yes, with paperwork Work: High Enforcement: Active	Depends on your industry Work: High Enforcement: Active
In one paragraph	Serbia copied Europe's privacy law almost word for word, so the duties feel familiar. Data can leave the country, and for most of Europe and a long list of other countries it can leave with no paperwork at all. The privacy regulator is busy — over a thousand inspections in 2025 — but it hands out warnings, not fines. The biggest fine any Serbian court imposed for a privacy breach in 2025 was about $950.	For most businesses Greece is a normal European country: personal data can leave, as long as you use one of the standard European transfer tools. But Greece has two hard walls that Europe does not. Phone and internet connection records must physically sit on machines inside Greece. Online gambling operators must keep their records on a server inside Greece too. The privacy regulator is fully staffed and fining companies today.
The catch	Two industries break the general picture. Online gambling operators must keep a copy of their whole player and transaction database physically inside Serbia. Banks, insurers and other financial firms cannot move any IT work abroad without telling the central bank 30 days ahead, proving the foreign country would let Serbian supervisors inspect on site, and risking a veto that forces them to cancel the contract.	The relaxed European headline stops being true the moment you touch three things. Telecoms connection records must be stored on physical media inside Greek territory for twelve months. Online gambling records must sit on a server or safe inside Greece for ten years. And Greek public bodies must run their central systems on the Greek state's own clouds, not on a commercial cloud of their choosing. Outside those three, plus the health and public sectors, Greece imposes no storage-location rule of its own.
Does this apply to me?	Yes. The law reaches a company anywhere in the world if it offers goods or services to people in Serbia, or watches what they do in Serbia. There is no size or revenue threshold to hide behind. If you are caught this way you must appoint a written representative living or based in Serbia, unless your processing is occasional and low risk or you are a public body.High confidence	Yes, it reaches a foreign company with no office in Greece. The European privacy rules apply to anyone anywhere who offers goods or services to people in Greece, or who watches what they do online. The Greek national law adds that it also covers anyone processing data on Greek soil. There is no size or revenue threshold that lets you off. If you have no establishment anywhere in Europe, you must appoint a written representative inside the European Union.High confidence
Can the data leave the country?	Yes, with paperwork — and often with none at all. Serbia treats a very long list of countries as automatically safe: every member of the Council of Europe's data protection treaty, which covers all of Europe plus Argentina, Mexico, Morocco, Mauritius, Senegal, Tunisia, Uruguay, Cape Verde and others, and separately every country the European Union has approved. Sending data there needs no permission and no contract. Everywhere else you sign the Commissioner's standard contract or use approved group rules. Only one industry has a hard wall: online gambling. Banking has a gate rather than a wall.High confidence	In general, yes. Greece adds no storage-location rule of its own to the European baseline, so ordinary business data can be sent abroad once you have the right European transfer paperwork. Three industries break that rule completely. Telecoms companies must keep their connection records on machines physically inside Greece. Online gambling operators must keep their records on a server inside Greece. And Greek government bodies must run their main systems on state-operated clouds. Health, banking and insurance have extra hoops but no location rule.High confidence
What do I have to do to send it abroad?	First check the destination. If it is on the safe list, you need nothing — no contract, no filing, no approval. If it is not, you sign the standard contract the Serbian regulator published in January 2020, or you get approved group-wide rules. If you want to use your own wording instead of the standard contract, the regulator must approve it and has 60 days to answer. As a last resort there are narrow exceptions such as the person's explicit consent.High confidence	You need one of the standard European transfer tools before data leaves Europe. The simplest is sending it to a country the European Commission has already approved. If the destination is not approved, you sign the European Commission's standard contract with the recipient, or use approved group-wide internal rules, and you write down why you think the data will still be safe there. Greece adds no extra permission, filing or fee of its own.High confidence
Who enforces this — and are they actually working?	The Commissioner for Information of Public Importance and Personal Data Protection, and it is genuinely working. In 2025 it finished 1,169 inspections, received 5,310 cases and issued 102 corrective orders. But it almost never fines. Of those 102 orders, 101 were warnings and one was a ban on processing. It asked the courts to punish only three organisations all year. Banks answer to the National Bank of Serbia instead, and it is fully active. A brand-new Office for Information Security exists on paper since October 2025 but we could find no sign it is running yet.High confidence	Six bodies, and all six are genuinely working. The Hellenic Data Protection Authority is the main privacy regulator and is issuing numbered decisions and fines every month — its most recent published decisions run to July 2026 and include fines on a bank and an electricity supplier. A separate constitutional authority polices the secrecy of communications. There is also a national cybersecurity authority, a telecoms regulator, the central bank for finance and insurance, and a gambling regulator. This is not a paper regime.High confidence
How long must I keep it, and when must I delete it?	There is no single national rule. The privacy law says keep data only as long as you need it, and each sector sets its own clock. Online gambling operators must keep every transaction for at least ten years. Phone and internet companies must keep who-called-whom records for exactly 12 months and then destroy them. Anyone selling a phone line must keep the customer's identity check for 12 months after the service ends. Financial firms must keep a live register of every outsourced service, including which countries the data sits in.High confidence	Both directions apply, and they collide. Business books must be kept five years. Medical files must be kept ten years in a private practice and twenty years everywhere else. Online gambling records must be kept ten years. Telecoms connection records must be kept exactly twelve months and then automatically deleted. In the other direction, the European rule says you must not keep personal data longer than you need it. When a specific keeping rule and the general deleting rule clash, the specific keeping rule wins.High confidence
What happens when something goes wrong?	Count three clocks. Privacy breach: tell the Commissioner without delay and at the latest within 72 hours, and if you miss that you must explain why. Cyber incident: if you run an information system the state has classed as important, you have only 24 hours to report it. Then a third clock starts — updates every 24 hours for a serious incident, every three days for a middling one, and a final report within 15 days of the incident ending. Banks report cyber incidents to the central bank instead, promptly, with no fixed hour count.High confidence	Count three clocks, not one. If personal data is lost or exposed, you have 72 hours to tell the privacy regulator. If you run important infrastructure, you have only 24 hours to send a first warning to the national cybersecurity authority, then 72 hours for a fuller report and one month for the final one. If you are a phone or internet provider, you have 24 hours to report a personal data breach and a separate duty to tell the communications secrecy authority. Missing the 24-hour clocks is the most common failure.High confidence
What's the trap?	Five. (1) A child can consent for themselves at 15, not 13 or 16 — plan your age gates around 15. (2) A foreign court order or foreign tax authority demand for data is recognised in Serbia only if a treaty backs it, so handing data to an overseas authority on request can itself be unlawful. (3) Individuals, not just companies, can be prosecuted; the regulator has filed 49 criminal complaints since 2010. (4) Dozens of older Serbian laws still contradict the privacy law and were never fixed. (5) The government's official list of safe destination countries has not been touched since 2019 and still names a United States framework that died in 2020.High confidence	Five things that will cost you a weekend. First, a child in Greece can consent to an online service at fifteen, not sixteen — so an age gate built to the European default is set wrong. Second, misusing personal data is a crime here, with prison time, not just a fine. Third, several articles of the Greek privacy law are printed in the statute but the regulator has formally said they must not be applied, because they clash with European law. Fourth, telecoms connection records must physically stay in Greece. Fifth, government bodies cannot simply pick a commercial cloud.High confidence
What's about to change?	One dated change and several unscheduled ones. From 1 January 2027 the ministry formally takes over supervising the new Office for Information Security, which should mean the office is actually up and running by then. A rewrite of the privacy law is being drafted by a special working group covering video surveillance, biometrics, genetic data and artificial intelligence, and a separate group is drafting an artificial intelligence law. Neither has been published as a bill, so neither is binding.High confidence	Three dated changes. Electronic invoicing between businesses became compulsory for large Greek companies on 2 March 2026 and becomes compulsory for everyone else on 1 October 2026. Greece's new artificial intelligence law took effect on 22 July 2026 and forces public bodies to register every artificial intelligence system before switching it on. And from 12 January 2027 European law bans cloud providers from charging you to move your data out.High confidence
Hardest industry wall	Online gaming — Pravilnik o informaciono-komunikacionom sistemu za priređivanje posebnih igara na sreću preko sredstava elektronske komunikacije	Telecoms — Νόμος 3917/2011 — Διατήρηση δεδομένων που παράγονται ή υποβάλλονται σε επεξεργασία σε συνάρτηση με την παροχή υπηρεσιών ηλεκτρονικών επικοινωνιών Online gaming — Νόμος 4002/2011 — Ρύθμιση της αγοράς παιγνίων, άρθρο 47, και Κανονισμοί Παιγνίων (ΥΑ 79305/2020 και 79835/2020) Government — Νόμος 4727/2020 — Ψηφιακή Διακυβέρνηση, άρθρο 87 (Κυβερνητικά νέφη)