Trust Or Bust: Here’s My Agoda Experience!

Dec 7, 2023

Last Updated on: Sep 1, 2025

Travel Blog

Are you attracted to Agoda for its alluring airfare and hotel offers? However, you are a wise traveler and are aware that appealing offers frequently have exorbitant fees. This could put your hard-earned money at risk of being lost. So the question remains: is Agoda legit?

Let’s investigate!

Is Agoda Legit?

Agoda

Since Booking Holdings is the largest online travel company in the world, Agoda is unquestionably legitimate. If something goes wrong or you need to make changes, cancel, or receive a refund, Agoda can make things more difficult.

In essence, Agoda serves as a go-between for you and airlines and lodging.

As an intermediary, Agoda manages your reservation and takes payment on your behalf. The payment does not go to the hotel or airline you booked with.

Because your contract is with Agoda and not the hotels or airlines directly, they will not be responsible for providing you with assistance.

You will have to contact Agoda in the event that something goes wrong and you need help. They will then get in touch with the airline or hotel in question on your behalf and give you the information you need.

In a similar vein, Agoda is the entity you will need to contact for any modifications, cancellations, or refunds.

And because of this—the involvement of a third party, Agoda—things could be challenging. Especially in the event that something goes wrong or you need to cancel, make changes, or get a refund, especially when it comes to flights.

Reservation Tips

Reservation Tips

Bear the following in mind before making a reservation on Agoda:

It is true that booking through Agoda can save you money compared to making direct reservations. There is a significant risk involved: it can make any mishap more difficult to handle.

Additionally, you should be aware of the following three significant risks and disadvantages of using Agoda for reservations:

Reservation Issues

Reservation Issues

Your hotel reservation through Agoda or any other online travel agency can be at risk of cancellation. Occasionally, Agoda forgets to let the hotel know about a guest’s reservation, which leads to either no reservation at all or an overbooking of the same room.

However, occasionally, the hotels will also “bump” the least expensive visitors who booked through an internet travel company like Agoda. They will proceed to resell their room to a more direct buyer. Additionally, they lie to the guest by pretending that their reservation never happened when they got to the hotel.

There’s no guarantee that this problem will cease to exist. Even though Agoda might try to talk to your hotel about it—especially if it’s an urgent one.

No Control Over The Standard Of Hotels

No Control Over The Standard Of Hotels

Since Agoda and other online travel agencies are merely middlemen, they have little control over the quality of the hotels. This is another risk or disadvantage of using them to book a room. Even though Agoda offers hotel listings, it’s crucial to remember that the listing and the actual hotel might not always match.

Therefore, there is nothing you can do if the hotel you reserved does not match the listing. Having made the booking through Agoda, you have limited powers to question the quality. It’s crucial to set reasonable expectations when contacting Agoda about these kinds of problems because there’s no assurance that they’ll issue a refund, make another reservation at a nearby hotel, or provide any other kind of resolution.

Likewise, since the hotel is not directly in charge of your reservation, do not anticipate receiving a refund or any other kind of resolution from them.

This kind of scenario raises the possibility that Agoda will push things onto the hotel and that the hotel staff will then push things back onto Agoda, trapping you in the middle. Consequently, you will be forced to accept the hotel as it is.

No Refunds For Non-Refundable Bookings

No Refunds For Non-Refundable Bookings

It’s crucial to know that Agoda normally does not issue refunds for non-refundable reservations. This is regardless of any unforeseen events that might affect your trip arrangements.

However, it is definitely a legitimate online travel agency in terms of legitimacy. How? Personally, I’ve used Agoda to book hotels, and I haven’t had any problems. In fact, when I want to book a hotel, I always use it.

It is important to note that Agoda is owned by Booking Holdings, the global leader in online travel. Not only does Booking Holdings own Agoda, but it also possesses a wide range of well-known online travel companies, such as Booking.com, Priceline, Kayak, OpenTable, and others.

You should always book directly if there is little to no price difference between booking through Agoda and directly.

Agoda may be providing you with a far better deal than making a direct reservation with a hotel or airline. It all depends on your level and willingness to accept specific risks. Some of them are:

Book Directly Or Through Agoda?

Book Directly Or Through Agoda

You will have to consider the price difference between the two options. If Agoda does offer a cheaper rate, there are certain risks to consider, like:

  • Difficulties and delays in resolving the issues and making changes, cancellations, and getting refunds, particularly in the case of flights.
  • No reservation with the hotel.
  • Accepting the hotel as it is.
  • No refunds (in most cases) for non-refundable reservations, regardless of any circumstances that may arise.

I personally strongly advise against using Agoda to book flights.

The reason is that using Agoda to book flights makes it very difficult to make any changes. If you’re willing to accept the aforementioned risks and drawbacks and the price difference is substantial, I would only suggest using Agoda to book hotels.

Wrapping Up

While using Agoda to make a reservation complicates, the website is a reputable source for travel arrangements.

Agoda is a reliable source for bookings and typically offers lower prices than direct bookings. Does this imply that Agoda is the best place to book?

Well, as previously stated, it mostly boils down to personal preferences. But to close out this piece, here are some passing recommendations I have:

Avoid using Agoda to book anything, especially flights. The exception would be hotels, and that too only if:

  • You can get a far better deal on Agoda than if you book directly with the hotel.
  • You accept the dangers and disadvantages outlined above.
  • If you adhere to the previously mentioned advice, you can reduce those risks and disadvantages.

If you have thoughts to share or questions to ask, please leave a comment below. We would love to hear from you!

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Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

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READ MORE mawryngkhang trek

Things You Need to Know to Do the Mawryngkhang Trek!

BY  Anindita Dey Mar 27, 2025

When introducing Mawryngkhang trek, I would like to highlight that it is one of the most beautiful trek destinations in Meghalaya. A bit difficult, it is one of the coolest places to be if you love nature. With the pace you set, you can experience some of the most beautiful flora and fauna.   Additionally, you will see how monsoons as a season can make a place look so much more beautiful. Meghalaya with its lush green forests, waterfalls, steep slopes, and bamboo bridges welcomes you with all its glory in this trek.   I would even go on to say that it is one of the best places to visit in February for a trek. The weather is dry along with a bit of a mix with various wildlife and trees.   Things You Need to Know to Do the Mawryngkhang Trek!   Known as the Bamboo Trek, when you are preparing for the Mawryngkhang Trek, you must be prepared. Moderately difficult, this trek will need you to be at your best, both physically and mentally. There are some essential gears which you must carry so that you can have a good trek.  Simultaneously, you also need to be aware of the inclination of the slopes, the sheer drops, the height and also the number of bamboo bridges on the trail. Overall, read the blog to follow the significant tips which will make your travel to Mawryngkhang trek location much easier.   I wouldn’t say it is one of the best places to travel with kids, especially if you are trekking. What is more important is you have to do good research before you plan on traveling there.   Best Time to Visit   If you ask me, the best season to visit Meghalaya if your purpose is to trek is during the dry season. From October to April, you can go on a trek and enjoy yourself while taking a walk across the trails.   The Mawryngkhang trek is a bit difficult hence, it is important for you to be careful and do not risk as the trail can be slippery. The round trip is about 3.54 kilometers hence, for an experienced trekker, it might take 3 to 5 hours.   It also depends on your fitness level and your pace. With the difficulty level as moderately difficult, you should do proper research, fitness evaluation and then go ahead with the trek.   Essential Gear to Take   There are important things to carry with you, especially when you are going on a trek. The trail of the Mawryngkhang Trek can be a bit tricky and slippery hence, you need these essential gears to carry so that you do not face any issues while enjoying the trek.   Going to one of the exotic places to travel, you should know the significant things you must carry on this trip.   Comfortable clothing   It is important to wear comfortable clothing especially when you are trekking. Comfortable clothing also means breathable clothing which lets you move well, with flexibility and easy movement.   Furthermore, comfortable clothing also ensures that you're clothing easily dries if you get drenched or if you sweat profusely.   Water bottle   Constantly drinking water is advisable in our daily routine. So, imagine when you are going on a trek, your body is going through severe physical movement! Drink water regularly while on the trek, hence you need to stay hydrated.   You should use reusable water bottles especially when you are on a trek. You need to be sustainable along with environmentally friendly because it reflects your nature lover streak.   Sun protection   While going on a trek, you need to carry things that will protect you from the direct rays of the sun including sunglasses, a hat, and scarves. Additionally, apply sunscreen constantly and before you start your trek which will protect you from getting sunburned.   Sturdy shoes   It is quite important to wear sturdy shoes especially when it comes to having a good grip. When trekking, you also need good ankle support, henceforth, you do not get sprains. It is therefore significant for you to wear sturdy shoes that will support your feet while crossing bamboo bridges and walking on uneven terrains.   Rain gear   Meghalaya is well known for its changing weather, especially the way rain comes. It is therefore imminent a step for you to carry your rain gear, be it a poncho or a raincoat. Overall, unpredictable weather can be a concern for your trek so focus on your overall plans so that you do not face any concern.   Snacks   Carry some granola bars, nuts or fruits that will give you energy and are easy to carry. When you are on a trek, you should have bites of energy boosting food items or drinks that will establish your energy throughout the duration of your trek.   Safety Precautions You Need to Trek   There are some precautions which you need to take when traveling to Meghalaya, especially when you go to Mawryngkhang Trek. Follow the precautions that I am mentioning below and do implement them so that you resolve any issues.   Respecting Nature   Meghalaya is known for its nature and respecting nature is one of the most important rules here. When you have decided to go on a vacation, trekking to different places, visiting waterfalls and other elements, do respect nature.   You must respect the environment there and follow the available trail. Try not to walk all over the flowers, plants, roots and trees while going off road. It damages the plants along with increasing the risks of hampering many unique plants.    Also, please do not litter on the forest floor! Trails are often filled with plastic packets and wrappers of food, drinks, and other used things. Please avoid doing that because it disrespects nature.   Follow Bridging Rules   One of the most important elements that you will find mostly everywhere in Meghalaya when outdoors is the bamboo bridges. These bridges are mostly manually designed hence, the capacity of the bridge is limited.   It is therefore advised that only one person crosses a bridge at a time. Please remember this and accordingly cross one at a time so that the next person can cross it relaxedly.   Hire Local Guides   You can hire a local guide because it is not just about you experiencing something adventurous but also about enhancing the overall experience. The terrain might not be completely understandable to you because you are visiting it for the first time.   This is where a local guide will help you because they know the landscape better than you. Additionally, the local guide also helps you if there is an emergency such as a fall, cut and gashes to the skin, sprained ankle and others.   Tips to Trek the Mawryngkhang Trek   These are significant tips that will help you plan your trek to Mawryngkhang. I am sharing with you these tips because I felt, if I knew these before, it would have been for me. Let's make you more prepared to deal with certain issues that might make it a little difficult for you.   No Accommodation   This is one of the most important things to know especially because it will dictate your overall plan to visit Meghalaya. There are no accommodation or lodge facilities available in Wahkhen, which is the nearest location to Mawryngkhang Trek.    It is better if you book your stay somewhere else. Accordingly arrange your own transport and visit the place. Then you can go ahead and do the trek which once completed, arrange your own transport to pick you up to return.   Be Prepared for Heights   The trek is a bit difficult due to its height as you will have to cross steep climbs while on the trek. There are several narrow bridges which you need to cross while on this trek hence, if you are fearful of heights, you need to reconsider the trek. It is better to avoid the trek if you have serious issues of height.   Start Early   If you are someone who loves tranquility, this is the place for you. However, you need to start early when going on Mawryngkhang Trek so that you are not forced to speed up if there is a line behind you. Considering the place is quite popular for trekking, there is a bit of a rush.   It is better if you go early and enjoy your trek, taking time and relaxing while trekking. Instead, if you constantly fret about how there are people behind you and the narrow climbs and bridges ensure that you must make a single file while trekking.   Enjoy the Views   A stunning view awaits you on your trek to Mawryngkhang Trek because the trails are filled with unique flora and fauna. You experience beauty in all its glory where there is no human influence. Instead, it is all just the lush green beauty of nature.   Check out the stunning valleys, lakes and waterfalls which you see while on the Mawryngkhang Trek. Keep in mind that there will be issues with the trail paths as there are some difficulties hence, it is better if you are regularly moving, flexible and fit.   Let’s get that Backpack!   Now that I have shared with you all about Mawryngkhang trek, you should start planning your next visit. It will be a more fun trip if you make a group of all your trekking friends who will enjoy the place just like you.   Comment below on what you think of the information I have shared. You can further add some of the safety tips that you swear by when traveling for a trek.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.

READ MORE red eye flight

A First-Hand Experience Of Taking A Red Eye Flight! 

BY  Sibashree Oct 19, 2023

Red eye flights are those overnight journeys that take off late in the evening and land in the morning.   Now, you might be one of those travelers for whom this means sacrificing a good night's sleep. this, which can lead to that telltale fatigue. And, of course, you will get red eyes after landing.  Interestingly, these flights tend to be longer and are more common in regions outside the Western world.   This is largely because many airports have strict curfews that limit flight schedules, like in:  Europe  Australia   North America   That said, it's not like airlines in the Western world shy away from red-eye flights entirely. In fact, when it comes to westbound transatlantic routes, red eyes have become something of a standard among both European and American carriers.  In this article, I’ll dive into the reasons why red eye flights exist and will weigh their pros and cons. By the end, you'll feel like you've experienced what it’s like to take a red eye flight for yourself!  What Is A Red Eye Flight?  Whether you enjoy these nighttime hauls or not, red eye flights are quite a regular thing for people flying long distances.   They depart from their home terminal at night and reach their destination in the morning.   They are so named because of the physical toll it takes on the passengers, causing them to get red eyes.   Most of these red eye flights take off when flying to the east side. For instance, when you fly from Los Angeles to New York or from New York to London.  But there are exceptions to such flights, such as when you are flying north or south between long distances.   For example, if you fly between North and South America or Europe and Africa.  The whole idea behind red eye flights is to save daylight and maximize your time spent at home and at your destination.   Flying through the night helps you avoid losing a day in travel. It also helps save money spent on a night stay at a hotel. They are cheaper than day flights, too, making it a cost-effective option for budget travelers.  In some cases, there are actually no other options but to take a red eye flight because your origin and destination do not have day flights to begin with.  My Red Eye Flight Experience From Bahrain To London  kayak.com Recently, I had the experience of taking three flights for one destination. I flew three different classes of travel on a single ticket.  I bought a Premium Economy round-trip ticket from London to Bahrain ten months before my flight. In this firsthand red eye flight experience, I will share my pretty good experience with Lufthansa during my return journey from Bahrain to London Heathrow, which involved a layover in Riyadh.  The expenses of Lufthansa flights to the Middle East did not follow a linear increase as the departure day approached. I have included two charts below to show how the price of my flight changed leading up to the day of departure and after the flight’s schedule was revised.   Lufthansa operates a daily flight from its ground base in Frankfurt to Bahrain International Airport with a layover in Riyadh.  This is a usual setup as it’s a daily flight to Dammam via Kuwait. So, I couldnt book Both Bahrain-Riyadh and Kuwait-Dammam as fifth freedom flights.   Intriguingly, Lufthansa continuously adjusts its schedule for destinations in the Middle East. According to Routes Online, Lufthansa would originally fly to Bahrain via Doha in 2014, but it stopped in 2015 when services to Doha were renewed and and operations to Muscat instead.  Before Lufthansa stopped all flights to Doha in 2017, they operated Frankfurt-Kuwait-Doha flights. In 2017, flights to Bahrain were via Dammam, and in 2018, they were via Kuwait. When I bought my ticket in August 2018, my planned route was Heathrow-Frankfurt-Kuwait-Bahrain, but it changed to Heathrow-Frankfurt-Riyadh-Bahrain in September 2018.  Lufthansa used to operate Riyadh as a non-stop flight without onward legs in 2015, but after discontinuing Doha in 2017, they started flying Frankfurt-Riyadh-Dammam while also initiating flights to Bahrain via Kuwait. However, things were changed again in 2018.  Flight 1: Premium Economy, Bahrain To Riyadh  thriftytraveler.com When I was at Bahrain International Airport via Uber, I made it through passport control and security within 15 minutes.   The aircraft assigned for the flight was D-AIKN, which is an A330-343X. Boarding began at 23:20.   This was slightly late, but it didn’t matter since only 20 passengers were boarding the red-eye flight A330.  In fact, the gate push-off time was 11.42 pm, eight minutes early. The Premium Economy section of the plane had four rows with seven seats each.   There were only seven passengers, resulting in a load factor of 25% in this segment.   The legroom was spacious enough, allowing the passenger in front to recline without any pressure on the person seated behind.  The amenity kit for the Premium Economy included a toothbrush and toothpaste, a refreshment towel, a sleeping mask, earplugs, and a thick pair of socks.   Although the earplugs were weak and the face mask didn’t isolate light fully, the socks were comfortable. The IFE system was not as good as Emirates', but it had decent options.  One of the few features was live GPS tracking of the aircraft. During the Bahrain-Riyadh journey, they played the movie “100 Things,” a 2018 German film.   Despite leaving Bahrain eight minutes early, the plane arrived in Riyadh five minutes late, as we had to wait for other people to vacate our gate.   Flight 2: Business Class, Riyadh To Frankfurt onceinalifetimejourney.com During the second flight from Riyadh to Frankfurt, since it wasn’t a fifth freedom flight, passengers traveling to Frankfurt from Bahrain were not required to leave the aircraft in Riyadh.   After being told to stay seated for ten minutes while they were refueling the plane, a representative from Lufthansa’s Riyadh airport asked me to follow him into Business.  They gave me seat 10H since the Premium Economy and Economy classes were ready to fill up with passengers for the Riyadh-Frankfurt flight.   The flight from Riyadh to Frankfurt was entirely full in Economy, Premium Economy, and Business.  The headphones provided by Lufthansa in Business were exceptional, as they blocked out all noise.   The sound quality from the IFE was also excellent, allowing me to sleep soundly. They attached the headphones to the seat, so I couldn't remove them.   My red-eye flight departed from Riyadh King Khalid at 2:10 am, 15 minutes late, and arrived in Frankfurt at 7:14 am, one minute early. The average delay for the flight LH637 is ten minutes.  Flight 3: Economy, Frankfurt To London Heathrow aircraftinteriorsinternational.com Regrettably, the last flight of my three-flight sequence was delayed despite arriving early from its previous flight.   The reason for the delay was that the aircraft, which was Lufthansa’s first A320neo with the registration D-AINC, took over an hour to clean.  Although I managed to secure an emergency exit row window seat, which I chose for free during check-in, the legroom on short-haul flights with Lufthansa was a bit disappointing for me.   Moreover, the sandwich served on the flight contained cream and cheese, which was not suitable for me as I do not eat dairy. Unfortunately, there were no alternative options available for me.  Another slight disappointment was that I didn't get any water from the crew before takeoff. So, I had to wait for a long time before we took off due to the delay.   The flight was full in Economy and Business class, and despite the plane being on time on average, we arrived 40 minutes late at our destination in London after pushing off from Frankfurt 29 minutes late.  Additionally, we spent a considerable amount of time circling around London. It was not a big inconvenience, but the service was not as good as my previous flights with Lufthansa.   However, I must acknowledge that Lufthansa quickly and smoothly compensated me with 600 Euros for the missed connecting flight during my outbound journey.  What Are Some Common Health Issues Associated With Red Eye Flight?  When it comes to red-eye flights, there are definitely some health concerns to keep in mind.   The term “red-eye” highlights the common experience of passengers landing with bloodshot eyes, often from feeling exhausted, dealing with jet lag, and battling dehydration.  1. Fatigue   strikes when you can’t get a decent night’s sleep. Unfortunately, finding that restful sleep on a plane can be quite challenging without taking some extra steps to make it comfortable.  2. Jet lag   It is something we typically think of with quick shifts in time zones, but it hits even harder on overnight flights. However, if you're savvy about your body's internal clock, you may be able to ease some of the negative effects of jet lag during these journeys.  3. Dehydration   It’s not as rare as you might think on flights. While cabin crew are usually attentive to serving food and drinks, red-eye flights might have fewer staff on duty, making it tougher to stay hydrated when you need it most.  If you often find yourself on these overnight flights, it’s important to be aware of the potential long-term health implications.   Regularly missing out on good sleep can weaken your immune system and lead to serious issues like sleep disorders, depression, and even an increased risk of heart attacks and cancer.   So, while those red-eye flights can be convenient, it’s wise to take care of your well-being.  Which Class Should You Choose While Opting For Red Eye Flight?  When it comes to red-eye flights, the health risks might sound pretty daunting, but thankfully, there are some effective ways to cope with them.   One of the most crucial steps you can take for your well-being during a night flight is to select the right class.  Sure, economy tickets can save you some cash, especially on these overnight flights, but there’s a reason they’re cheaper.   The lack of comfortable seating can make it really tough to catch some quality sleep. Plus, the passengers usually cram the economy sections, which only adds to the noise and can disturb your rest.  On the other hand, if you opt for business or a higher class, you’ll find much better seating and more appropriate lighting, and flight attendants who will cater to your needs by:—  Serving meals  Providing pillows  Helping you stay hydrated  You can manage some of these comforts on your own. Stil, I would say that investing in a better class ticket can definitely make a difference in how well you handle that long, overnight journey.  Frequently Asked Questions (FAQs)  1. Are Red Eye Flights More Dangerous?   No, red-eye flights are not inherently more dangerous than daytime flights in terms of safety; if anything, they are generally safer due to less air traffic and pilots flying more on instruments.  2. Are Red Eye Flights Cheaper?   Yes, red-eye flights are often cheaper because airlines price them lower to fill planes during off-peak overnight hours. This makes them attractive to budget-conscious travelers.   3. Is Red  Eye Flight Booking Difficult?   Not at all. You can just visit an airline's website or a flight comparison site. Then, you have to enter your origin and destination. Finally, you can filter for flights departing after 9 PM and arriving early the next morning.   Get Ready For Your Upcoming Red Eye Flight!   Honestly, their customer service impressed me so much that I would choose Lufthansa for all my future connecting red-eye flights.  If you have thoughts to share or questions to ask, please leave a comment below! We would love to hear from you!  Read Also: Journey To The Skies: Exploring The Legacy Of Northwest Airlines! Fly In Style: Your Ultimate Guide To Lot Polish Airlines Adventures! Flair Airlines Review: This Is How I Feel About Flair Airlines! This Is My Experience With Eva Air!

READ MORE Cypriot tax system

How To Accurately Budget Your Relocation to Cyprus Using the 2025 Tax Calculator

BY  Sibashree Aug 27, 2025

Have you decided to relocate to Cyprus for career purposes? That would be a wise decision as this island nation follows one of the EU’s most simplified tax regimes for expats. Beyond the economic aspects, you also get to enjoy year-round sunshine and its rich cultural tapestry.  Yet, the core question that you must be clear about before living this coastal life is, at the end of the day, what your real take-home pay will be? Relocation can be costly since it involves several factors, one of which is your net income. This is why it is necessary to validate your take-home pay; rent, healthcare, school fees, and day-to-day expenses can quickly accumulate if your financial estimates are off. Fortunately, Cyprus mandates a transparent and predictable taxation system, which is rather easy to navigate with the help of a Cyprus salary calculator. This guide explains how Cyprus’s 2025 tax rules work, demonstrating salary breakdown interpretation and offering a step-by-step case study example for clarity.  Decoding the Cypriot Tax System: The Core Components As per the Cypriot tax system, your net salary isn’t just your gross salary after deducting “a flat tax.” Instead, it’s the final value of a progressive income tax system, and a few compulsory, specific deductions. When you understand all these core pillars, you can proceed toward accurate financial planning. The Progressive Income Tax Brackets (2025) For the 2025 tax year, typically running on a calendar-year basis, Cyprus applies a progressive structure: Annual income tax (€)Tax rate 0-19,5000%19,501-28,00020%28,001-36,30025%36,301-60,00030%Over 60,00035% Optimizing Around the €19,500 Tax-free Threshold A unique feature of Cyprus’s progressive income tax system is the €19,500 tax-free threshold. This threshold is indeed advantageous for those moderate and higher earners, protecting a significant portion of their income from taxation by lowering their effective tax rate.  That is why it is often suggested to optimize financial planning, such as contributing to approved pensions, life insurance, or charitable donations (within the 1/5 cap), to further reduce taxable income. Structuring income and deductions strategically around this threshold is one of the simplest ways to optimize your relocation budget. Social Insurance Contributions (Sic) Everyone, including you and your employer, is liable to contribute towards the national Social Insurance Fund, which supports pensions, sickness benefits, and unemployment protection.  However, the limit of contribution varies by party: Employee contribution: 8.8% of gross salary Employer contribution: 8.8% of gross salary Annual cap: €66,612 (as per 2025 figure) Now, this annual cap highlights that even if your yearly income crosses €66,612, you aren't liable to pay Social Insurance on the portion above that limit. For high earners, this annual cap significantly lowers the effective contribution rate. The General Healthcare System (Ghs / Gesy) The healthcare sector in Cyprus is funded by the General Healthcare System (GHS), the amount of which is contributed by everyone living and working in the country through the comprehensive GeSY healthcare system. They provide all-inclusive medical coverage to residents, including GP visits, specialists, and hospital services. Employee contribution: 2.65% of gross salary Employer contribution: 2.90% Cap: €180,000 annual earnings Unlike Social Insurance, the GHS cap is high, where most employees have to pay the full 2.65% on their entire income. Employer vs. Employee Contributions If you are an employee negotiating your salary, be clear about your gross salary (the basis for your tax obligations and deductions) and the cost to the company (gross salary plus employer-side contributions). For employees, the compulsory deductions include: 8.8% Social Insurance (capped) 2.65% GHS Income tax per progressive brackets For employers, the mandatory obligations are higher and include: 8.8% Social Insurance 2.90% GHS 2.0% Social Cohesion Fund (no cap) 1.2% Redundancy Fund 0.5% Human Resource Development Fund Up to 8.0% Central Holiday Fund (unless exempt) Now, assuming that you are an employee structuring your budget, prioritize employee deductions. However, do not ignore the employer’s additional costs; understanding them would be beneficial during salary package negotiations, provided that benefits are negotiable. Case Study Example: Net Pay on a €50,000 Gross Salary This hypothetical example of €50,000 annual gross salary would help understand what the final take-home pay looks like in 2025 for an employee with no special expat exemptions or extra allowances. Step 1: Calculate Deductions Social Insurance: 8.8% of €50,000 = €4,400 GHS: 2.65% of €50,000 = €1,325 Step 2: Apply Progressive Income Tax €0-€19,500 @ 0% = €0 €19,501-€28,000 (€8,500 @ 20%) = €1,700 €28,001-€36,300 (€8,300 @ 25%) = €2,075 €36,301-€50,000 (€13,700 @ 30%) = €4,110 Total income tax = €7,885 Step 3: Net Pay €50,000 − €4,400 − €1,325 − €7,885 = €36,390 per year≈ €3,033 per month (assuming 12 equal payments). However, if your employer pays a 13th salary, a common practice in Cyprus companies, your monthly net pay will be even lower but spread across 13 payments. For that, you can use a Cyprus salary calculator to model these variations instantly. How Employer Costs Compare Using the same case study example of €50,000 gross salary, here’s what the employer’s total annual outlay would look like: Social Insurance: €4,400 GHS: €1,450 Social Cohesion Fund: €1,000 Redundancy Fund: €600 HR Development Fund: €250 Holiday Fund (if not exempt): €4,000 Total Cost: With holiday fund exemption → €57,700 Without exemption → €61,700 This difference is the reason to negotiate your salary package as much as possible. Moreover, some employers even offset holiday fund obligations by allowing extra paid leave instead. Final Words Relocating to an entirely new place with a new environment and legal systems is an adventure. But by taking control of your financial details upfront, and using the progressive tax brackets, understanding obligated deductions, and leveraging a precise Cyprus salary calculator, you can overturn uncertainty into confidence.