I answer the phone by simply saying "Ja?", or my surname and nothing else. The caller greets the callee with a "Hallo", however I see more and more people change that to either localized greetings or general greetings, like "morgen", "guten tag", "guten abend", etc. It seems quite weird to answer Skype calls with a Hallo, for some reason.
For some reason, the localized greetings are also accepted in many places (such as the German military, the Bundeswehr).
It is alright to say "<surname>, moin". When I called customer support in southern areas in Germany, I was greeted with a "grüß Gott", quite often.