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FinStart: Χρηματοοικονομικές Δεξιότητες για τη Ζωή

ΥΠΟΥΡΓΕΙΟ ΠΑΙΔΕΙΑΣ, ΘΡΗΣΚΕΥΜΑΤΩΝ ΚΑΙ ΑΘΛΗΤΙΣΜΟΥ · Βόρειος Τομέας Αθηνών · Published Sep 28, 2026

Where a translation is available, a tender title is shown in English, labelled, with the original one click away. Authority names are shown as their source publishes them, and CPV descriptions in Greek.

Budget: €3,225,806
Deadline: Nov 2, 2026, 11:30
Procedure: Ανοιχτή διαδικασία
CPV: 71241000-9 · 72000000-5 · 72212190-7 +6

An informational summary. It does not replace the official tender documents. Always confirm the deadline and the terms against the official ΚΗΜΔΗΣ record before submitting a bid.

Bid discount

Work out your bid and its discount on the budget excluding VAT (€3,225,806.45), and see where it sits among the discounts comparable tenders were awarded at.

The tender documents prevail. This is an indicative comparison with historical ΚΗΜΔΗΣ data, not legal advice.

Discount = 1 − bid ÷ the notice's budget excl. VAT, the same basis as the awards below. It is not the single discount rate of a works bid, which the tender documents apply to their own sub-total.

Award discounts

Same authority · Υπηρεσίες
9 awards
Awards from Sep 14, 2026 to Sep 30, 2026
Median
0%
Middle 50%
0% – 1.1%
Mean
2.6%
Median award amount
€28,500.00
Middle 50% of award amounts
€4,380.00 – €30,180.00
CPV 7934… · Υπηρεσίες · Αττικής region
15 awards
Awards from Sep 7, 2026 to Oct 2, 2026
Median
0%
Middle 50%
0% – 0.3%
Mean
2.9%
Median award amount
€6,600.00
Middle 50% of award amounts
€5,400.00 – €25,500.00
CPV 7934… · Υπηρεσίες · all of Greece
117 awards · 2 outside -10% to 80%, not counted
Awards from Aug 5, 2026 to Oct 5, 2026
Median
0%
Middle 50%
0% – 0%
Mean
1.5%
Median award amount
€6,061.88
Middle 50% of award amounts
€1,800.00 – €19,999.00
Υπηρεσίες · all of Greece
5,586 awards · 95 outside -10% to 80%, not counted · 18 framework agreements, not counted
Awards from Aug 5, 2026 to Oct 5, 2026
Median
0%
Middle 50%
0% – 0%
Mean
1.5%
Median award amount
€7,500.00
Middle 50% of award amounts
€2,800.00 – €19,500.00

Award amounts excl. VAT, as the award states them, one per award: a joint award counts its value once, not once per member. Framework agreements are not counted, because their award is a ceiling, not a price.

Spread of discounts · CPV 7934… · Υπηρεσίες · Αττικής region

Discount from -10% to 80%, in 5-point bins; the number of awards above each bar.

Spread of discounts · CPV 7934… · Υπηρεσίες · Αττικής region
Discount	Awards
-10% – -5%	0
-5% – 0%	0
0% – 5%	12
5% – 10%	1
10% – 15%	1
15% – 20%	0
20% – 25%	1
25% – 30%	0
30% – 35%	0
35% – 40%	0
40% – 45%	0
45% – 50%	0
50% – 55%	0
55% – 60%	0
60% – 65%	0
65% – 70%	0
70% – 75%	0
75% – 80%	0

The abnormally-low presumption of art. 88 §5a of Law 4412/2016 covers works, studies and technical services; no line is computed for this category.

ΚΗΜΔΗΣ awards from Oct 6, 2024 to Oct 6, 2026, one per notice, where it has one lot or all its lots were awarded together to one awardee, discount 1 − award ÷ the notice's budget excl. VAT; computed on Oct 6, 2026.

Art. 88 of Law 4412/2016 (§5a added by art. 32 of Law 4782/2021), ΕΑΔΗΣΥ consolidated text · checked 30/09/2026

Details

Contracting authority: ΥΠΟΥΡΓΕΙΟ ΠΑΙΔΕΙΑΣ, ΘΡΗΣΚΕΥΜΑΤΩΝ ΚΑΙ ΑΘΛΗΤΙΣΜΟΥ
ΑΦΜ (VAT no.): 090051291
Excluding VAT: €3,225,806.45
Including VAT: €4,000,000.00
Region: Βόρειος Τομέας Αθηνών (EL301)
Contract type: Υπηρεσίες
Record type: Notice
Published: Sep 28, 2026

Clarifications

Statutory answer day for clarifications: 27/10/2026

The day by which the law requires the authority to answer, not a deadline for questions. The tender documents may set a stricter limit for submitting them — send your questions earlier.

The authority answers timely requests by 27/10/2026 — 6 days before the submission deadline (4 in an accelerated procedure: by 29/10/2026). άρθρο 67 §2–3 ν. 4412/2016

The tender documents are not stored here, so the limit for questions set by the tender notice was not read.

The tender notice prevails: check it for the limit on submitting questions.

An indicative calculation, not legal advice.

Calendar days; the deadline day itself is not counted. The statutory day is given as the law counts it, not moved when it falls on a Saturday, Sunday or public holiday.

Provisions checked on 30/09/2026.

Pre-litigation appeal

Appeal against the tender notice until 13/10/2026 άρθρο 361 §1Α ν. 4412/2016

Tender notice, published on ΚΗΜΔΗΣ 28/09/2026 · this pageuntil 13/10/2026

Each amendment of the tender notice opens its own 15-day deadline from its publication on ΚΗΜΔΗΣ.

Appeal fee €15,000.00 άρθρο 363 §1 ν. 4412/2016

0.5% of the budget excluding VAT, at least €600.00 and at most €15,000.00.

The tender documents prevail. This is an indicative calculation, not legal advice.

Calendar days: the day of publication or notification does not count, and the deadline ends at the end of its last day. If that is a Saturday, a Sunday or a public holiday, it ends on the next working day. Local holidays and a moved 1 May holiday are not taken into account. ΑΚ 241 · ΑΕΠΠ 403/2018

Applies to contracts with an estimated value above €30,000.00 excluding VAT, other than direct awards. άρθρο 345 §1 ν. 4412/2016

The provisions were checked on 30/09/2026.

Net amount received

What a contract payment leaves once the contracting authority withholds the statutory deductions and income tax.

The tender documents and the paying authority decide. This is a calculation under the general rules, not tax or legal advice.

Item	Amount
Amount excluding VAT	€3,225,806.45
Deduction for ΕΑΔΗΣΥ (0.1%)ν. 4412/2016, άρθρο 350 §3, όπως αντικαταστάθηκε με το άρθρο 7 ν. 4912/2022 · 30/09/2026	− €3,225.81
Income tax withheld (8%) on €3,222,580.64ν. 4172/2013 (ΚΦΕ), άρθρο 64 §2 · 30/09/2026 ΠΟΛ.1131/25.5.1994 · 30/09/2026	− €257,806.45
Net amount received	€2,964,774.19

The income tax was withheld under the general rule. The law puts this withholding on «φορείς γενικής κυβέρνησης εκτός από τις κεφαλαιουχικές εταιρείες» (general-government bodies other than capital companies): if the buyer is a capital company it is not made, and the net amount is €3,222,580.64. The record does not state the buyer's legal form; state it in the field above.ν. 4172/2013 (ΚΦΕ), άρθρο 64 §2 εδ. α΄ · 04/10/2026Codified text as read on www.taxheaven.gr; not read at an official source.

VAT is received on top and paid over, and is not included. The tax withheld is credited against the year's income tax (art. 64 §4 ΚΦΕ).

Rules for a payment on 06/10/2026 · sources checked on 30/09/2026

Basis of calculation

Deductions are computed on the amount excluding VAT. Withholding on goods, fuels and services is computed on the amount after the deductions; on works and on an individual's fees, on the amount excluding VAT. The tender documents may set further deductions, depending on the buyer and the funding.

No tax is withheld when the payment is for electricity, telephone calls, telegrams, stamps, town gas (φωταέριο), water or tickets (case ββ), nor on a purchase of up to €150 without a contract (case αα) or from the suppliers of case δδ. The record is read as such only when every one of its CPV codes is one of these items; otherwise you set it under type of contract.ν. 4172/2013 (ΚΦΕ), άρθρο 64 §2 εδ. β΄ περ. ββ΄ · 03/10/2026

The withholding on goods, fuels and services is owed by «φορείς γενικής κυβέρνησης εκτός από τις κεφαλαιουχικές εταιρείες» (general-government bodies other than capital companies). No record states the buyer's legal form, so you state it; the category the registry states for the buyer can only suggest the answer «No».ν. 4172/2013 (ΚΦΕ), άρθρο 64 §2 εδ. α΄ · 04/10/2026Codified text as read on www.taxheaven.gr; not read at an official source.

Not withheld

Stamp duty 3% and ΟΓΑ 20% on the deductions: not charged on payment orders from 01/12/2024.ν. 5177/2025, άρθρα 1-31 · ΕΑΔΗΣΥ, έγγραφο 3074/31.03.2025 · 30/09/2026
0.02% deduction for the ΕΣΗΔΗΣ system: not charged until the joint ministerial decision of art. 36 §6 ν. 4412/2016 is issued.ν. 4412/2016, άρθρο 376 §18 (άρθρο 25 ν. 5039/2023) · 30/09/2026
Deductions for ΤΣΜΕΔΕ and ΕΜΠ on works payments: abolished in 2016.ν. 4393/2016, άρθρο 2 §6α · ΝΣΚ 129/2019 · 30/09/2026

Guarantee letters

The limits of article 72 of Law 4412/2016 for the participation and performance guarantees, on the estimated value excluding VAT of the lots you bid for.

The contract notice prevails. This computes the law's limits and is not legal advice.

Estimated value excluding VAT of the selected lots: €3,225,806.45, as published by ΚΗΜΔΗΣ.

Participation guarantee

Maximum (2%): €64,516.13; άρθρο 72 παρ. 1 ν. 4412/2016, όπως αντικαταστάθηκε με το άρθρο 21 ν. 4782/2021 (ΦΕΚ Α' 36/09.03.2021) · 30/09/2026

We have no readable text of the tender documents. The amount is set in the contract notice.

The contracting authority may ask for no participation guarantee in a framework agreement, a dynamic purchasing system, a direct award, or a selection from a catalogue or an electronic catalogue.

Minimum validity of the participation guarantee

At least 30 days after the offer's validity ends, which ΚΗΜΔΗΣ gives as 12 Μήνες.

That is, until at least 02/12/2027, if the offer's validity runs from the submission deadline (02/11/2026). The contract notice sets where it starts.

άρθρο 72 παρ. 1 ν. 4412/2016, όπως αντικαταστάθηκε με το άρθρο 21 ν. 4782/2021 (ΦΕΚ Α' 36/09.03.2021) · 30/09/2026

Performance guarantee

4% — supplies and services: €129,032.26

Increase in the contract value (€, excluding VAT)An amendment that increases the value takes a supplementary guarantee at the same rate on the increase.

άρθρο 72 παρ. 4 ν. 4412/2016, όπως αντικαταστάθηκε με το άρθρο 21 ν. 4782/2021 (ΦΕΚ Α' 36/09.03.2021) · 30/09/2026

The law was read on 30/09/2026.

Check a guarantee letter's validity (ΤΜΕΔΕ)

Lots

01Η προτεινόμενη Πράξη αποσκοπεί στην ενίσχυση του χρηματοοικονομικού εγγραμματισμού των μαθητών και των μαθητριών της Πρωτοβάθμιας και Δευτεροβάθμιας Εκπαίδευσης, καλλιεργώντας γνώσεις και δεξιότητες για την υπεύθυνη διαχείριση οικονομικών πόρων, τον προγραμματισμό δαπανών, την αξιολόγηση εναλλακτικών επιλογών και τις ασφαλείς οικονομικές αποφάσεις στην καθημερινή ζωή.Υπηρεσία€3,225,806.45

CPV codes

71241000-9Μελέτες σκοπιμότητας, υπηρεσίες παροχής συμβουλών, υπηρεσίες αναλύσεων
72000000-5Υπηρεσίες τεχνολογίας των πληροφοριών: παροχή συμβουλών, ανάπτυξη λογισμικού, Διαδίκτυο και υποστήριξη
72212190-7Υπηρεσίες ανάπτυξης εκπαιδευτικού λογισμικού
72262000-9Υπηρεσίες ανάπτυξης λογισμικού
79340000-9Υπηρεσίες διαφήμισης και μάρκετινγκ
79950000-8Υπηρεσίες διοργάνωσης εκθέσεων και συνεδρίων
79951000-5Υπηρεσίες οργάνωσης σεμιναρίων
80000000-4Υπηρεσίες εκπαίδευσης και επιμόρφωσης
80533100-0Υπηρεσίες εκπαίδευσης στον τομέα της πληροφορικής

Download the official act (PDF)Tender briefing Calendar (.ics)Save as alert

Contracting authority

ΥΠΟΥΡΓΕΙΟ ΠΑΙΔΕΙΑΣ, ΘΡΗΣΚΕΥΜΑΤΩΝ ΚΑΙ ΑΘΛΗΤΙΣΜΟΥ

512 tenders in the last 12 months

Awards: 33
Mean discount: 3%; Simple mean over 17 award–notice pairs, awards Oct 6, 2025 – Oct 6, 2026. A pair's discount: 1 − award amount ÷ notice budget, excluding VAT. Every pair counts the same, with no bounds: budget overruns are included. Framework agreements are not counted, because their award is a ceiling, not a price; 0 pairs were left out. Contracts do not count, nor notices with several awards; a notice with several lots counts only when all were awarded together to one awardee.
Most frequent contractor: ΕΛΜΗ SYSTEMS ΕΛΛΗΝΙΚΑ ΜΗΧΝΟΓΡΑΦΙΚΑ ΣΥΣΤΗΜΑΤΑ ΑΕ

All tenders by this authority →

FinStart: Χρηματοοικονομικές Δεξιότητες για τη Ζωή

Bid discount

Award discounts

Spread of discounts · CPV 7934… · Υπηρεσίες · Αττικής region

Details

Clarifications

Pre-litigation appeal

Net amount received

Guarantee letters

Participation guarantee

Minimum validity of the participation guarantee

Performance guarantee

Lots

CPV codes

Contracting authority

Guarantee letters

Participation guarantee

Minimum validity of the participation guarantee

Performance guarantee

Clarifications

Pre-litigation appeal

Documents

Related acts

Bid discount

Award discounts

Spread of discounts · CPV 7934… · Υπηρεσίες · Αττικής region