Open-ocean and surf-zone sea-salt aerosol (SSA) emission parameterizations are incorporated in the CAMx aerosol model and applied over an area with an extended Archipelago (Greece), with a fine grid nested over the highly populated Attica peninsula. The maximum indirect impact of SSA on PM₁₀ mass (35%) is located over a marine area with moderate SSA production and elevated shipping emissions (central Aegean Sea) where SSA interacts with anthropogenic nitric acid forming sodium nitrate. SSA increases PM₁₀ levels in the Athens city center up to 25% during stable onshore winds. Under such conditions both open-ocean and surf-zone mechanisms contribute to aerosol production over Attica. A hybrid scheme for gas-to-particle mass transfer is necessary for accurately simulating semi-volatile aerosol components when coarse SSA is included. Dynamically simulating mass transfer to the coarse particles leads to a quadrupling of predicted PM₁₀ nitrate in the Athens city center and up to two orders of magnitude in its coarse mass in comparison to using a bulk equilibrium approach.