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THE MALTA GOLDEN VISA (MALTA PERMANENT RESIDENCE PROGRAMME – MPRP)

The Malta Permanent Residence Programme (MPRP), also known as the Malta Golden Visa Programme, provides foreign nationals the chance to secure residency in Malta. With a robust legal framework and a favorable investment climate, Malta is a highly desirable destination for those seeking long-term stability and access to Europe. Additionally, the island enjoys excellent air connections, making travel to and from Europe and beyond both accessible and convenient.

MALTA GOLDEN VISA PROGRAMME

Malta, a picturesque Mediterranean archipelago, offers the Malta Permanent Residence Programme (MPRP), commonly known as the Malta Golden Visa. This residency-by-investment program allows non-EU, non-EEA, and non-Swiss nationals to obtain permanent residency in Malta through investments in property and contributions to the government.

The program not only provides residency but also grants holders the right to enjoy visa-free travel within the EU and the Schengen Area, making it an attractive option for those looking for greater mobility in Europe.

Established in 2021, the Malta Golden Visa Programme is designed to attract investors, high-net-worth individuals and their families. The program has gained considerable attention from international investors looking to secure residency in an EU member state known for its strong economy, high quality of life, and strategic location in the heart of the Mediterranean.

Permanent residence by investment in Malta was previously available through the Malta Residence and Visa Programme (MRVP). However, on 29th March 2021, it was replaced by the current Malta Permanent Residence Programme (MPRP), which is regulated under the Malta Permanent Residence Programme Regulations (L.N. 121 of 2021).

MALTA GOLDEN VISA INVESTMENT REQUIREMENTS

There are three (3) requirements to be satisfied cumulatively by the main applicant:

Property

• The applicant must either purchase a property in Malta or Gozo for a minimum value of €375,000, or
• Rent a property in Malta or Gozo for a minimum value of €14,000 per annum. The property can be leased while the applicant is not in Malta.

Once the property is acquired it must be retained for a period of at least 5 years from obtaining the permanent residence.

AND

Government Contribution: €37,000 payable to the Maltese government regardless of whether the property is rented or purchased.

AND

Donation – €2,000 one-time charitable donation to a local philanthropic, cultural, scientific, artistic, sport or animal welfare NGO registered with the Commissioner of Voluntary Organisations.

BENEFITS OF MALTA GOLDEN VISA

• Fast acquisition – within 4 to 6 months;
• Grants individuals the right to settle, live, and remain permanently in Malta;
• Visa-free travel across the EU and the Schengen Area for up to 90 days within any 180-day period in a year;
• Allows applicants to include up to four generations in a single application;
• Tax benefits, with Malta offering an efficient tax system for residents;
• Investment required only for first five years;
• Range of top-tier international schools offering various curricula;
• World-class healthcare;
• Low crime rate.

ELIGIBILITY FOR MALTA GOLDEN VISA

• Must be nationals from third countries, not part of the EU, EEA, or Switzerland;
• Should not originate from countries under sanctions as periodically specified by the Agency;
• Must not receive benefits from other relevant regulations and programs;
• Must demonstrate stable and regular financial resources sufficient to support themselves and their dependents without relying on Malta’s social assistance system;
• Must show capital assets of at least €500,000, with a minimum of €150,000 in financial assets; or show capital assets of at least €650,000, with €75,000 in financial assets;
• Must be individuals deemed fit and proper with a clean criminal record;
• Must not present any potential threat to national security, public policy, public health, or public interest;
• Must hold a valid travel document;
• Must obtain a health insurance policy covering all risks in Malta and other European countries with a minimum coverage amount of €100,000.

MALTA GOLDEN VISA APPLICATION PROCESS

1. The initial step involves onboarding the client and providing basic due diligence documentation, such as passport, utility bill as proof of address, application form and a signed CV.
2. Collecting all required forms and supporting documents is the second step. After the application is finalised, it is submitted to Residency Malta. Following submission, rigorous due diligence checks are conducted.
3. Once the application successfully clears the due diligence checks, an approval in principle is granted. This process may take approx. 16 weeks.
4. Applicants and their dependents are required to travel to Malta to provide their biometric data, which is necessary for the issuance of their Maltese residency cards.
5. The main applicant is required to fulfil the necessary investments, which include purchasing or renting a residential property, paying the government contribution, and making a donation to a registered Maltese voluntary organisation (VO) or non-governmental organisation (NGO).

RENEWAL OF MALTA GOLDEN VISA

Residence cards are initially issued for a period of 5 years. However, if a minor dependent reaches the age of 14 or 18 during this time, the card’s validity will expire on the dependent’s birthday.

Renewal requests after the initial 5-year period must be submitted through the designated agent. Since biometric data needs to be recaptured for the extension, all beneficiaries are required to be physically present in Malta to provide their biometric information after the first five years of residency. A renewal fee of €27.50 per year applies for this process.

WHO CAN APPLY FOR MALTA GOLDEN VISA

Only Third Country Nationals are eligible to apply for residence under the Malta Permanent Residence Programme (MPRP) regulations. Third Country Nationals are defined as individuals who are not citizens of the European Union (EU). Nationals of the European Economic Area (EEA) and Switzerland are not considered Third Country Nationals and therefore do not qualify under this program.

In addition to the principal applicant, individuals who qualify as dependents under Legal Notice (L.N.) 121 of 2021 are also eligible to apply. The qualifying dependents are defined as follows:

• Spouse or Partner: The legally married spouse or partner in a monogamous marriage and stable relationship that has similar status to marriage with the principal applicant. The term “spouse” is gender-neutral and applies equally to individuals in a legally recognised marriage, regardless of gender.
• Children: Minor children under 18 years of age (including adopted) of the principal applicant or their spouse/partner.
• Adult children (18 years or older) who are financially dependent on the principal applicant, are unmarried, and are pursuing full-time education or training.
• Disabled adult children of the principal applicant or their spouse are also considered qualifying dependents, provided they are financially dependent and documentation is provided to substantiate their disability and dependency.
• Parents or Grandparents: The parents or grandparents of the principal applicant or their spouse/partner, provided they are financially dependent on the principal applicant.

Residence Permit

Applicants for the Malta Permanent Residence Programme, along with their dependants, may apply for a 1-year temporary residence permit. This allows them to complete the full application process necessary to obtain the residence certificate. The complete application must be submitted within 6 months of receiving the temporary residence permit. Renewal of the 1-year temporary residence permit is subject to the sole discretion of the Agency and upon submission of the complete application pack within the stipulated timeframe.

MALTA GLOBAL RESIDENCE PROGRAMME (GRP)

The Malta Global Residence Programme (GRP) is designed to meet the needs of private clients, specifically targeting high-net-worth individuals from outside the European Union (EU), European Economic Area (EEA), or Switzerland who are interested in obtaining tax residency within the EU. The GRP offers a streamlined pathway for eligible individuals to establish residency in Malta, benefiting from the country’s favorable tax regime and high quality of life. This program is particularly attractive to wealthy individuals seeking to relocate or secure a secondary residence in a stable, EU-member country.

MALTA GLOBAL RESIDENCE MAIN REQUIREMENTS

Applicant needs to purchase or rent property in Malta.

Under the Malta Global Residence Programme (GRP), applicants are required to purchase a property in Malta to qualify for residency. The minimum purchase value depends on the location of the property:

• €220,000: If the property is located in Gozo or the South of Malta.
• €275,000: If the property is located in other parts of Malta.

This property must be maintained for the duration of the residency status under the GRP.

Alternatively, applicants may choose to rent a property for a minimum of €8,750 per year in Gozo or the South of Malta or €9,600 per year in other parts of Malta.

These requirements ensure that applicants have a stable and secure residence in Malta while contributing to the local real estate market.

Application Fees

Non-Refundable Application Fee:

• €5,500: If the property is purchased in Gozo or the South of Malta.
• A higher fee applies if the property is located in other parts of Malta (typically €6,000).

Represented by Authorised Registered Mandatory

The applicant and their dependents must be represented by an Authorised Registered Mandatory (ARM) under the Malta Global Residence Programme (GRP). The ARM is responsible for providing guidance, assisting with the application process, and ensuring that all requirements are met. This representation is mandatory, and the ARM plays a key role in facilitating the application to secure tax residency in Malta under the GRP.

Third-country nationals

Applicants must be third-country nationals, meaning they cannot be citizens of the European Union (EU), European Economic Area (EEA), or Switzerland. Individuals with dual citizenship, including citizenship from any of the aforementioned regions, are also excluded from applying under the GRP. Applicants must not reside in any other jurisdiction for more than 183 days in a calendar year. This ensures that Malta remains their primary tax residency under the GRP.

Not benefiting from other tax programmes

Applicants interested in applying under the Malta Global Residence Programme (GRP) must not be benefiting from any other special tax programs or regimes. This requirement ensures that individuals do not simultaneously avail themselves of multiple tax benefits, maintaining the integrity of the GRP and compliance with Malta’s tax residency rules. Applicants must confirm that they are not participating in any other tax programs when submitting their application under the GRP.

Financially Self Sufficient

Applicants under the Malta Global Residence Programme (GRP) must demonstrate that they have a stable and regular income sufficient to support themselves and any dependents without relying on Malta’s social assistance system. This requirement ensures that applicants are financially self-sufficient and capable of maintaining their livelihood and that of their family members while residing in Malta. Proof of income, such as employment, business, or investment income, may be required to substantiate this criterion during the application process.

Health Insurance

The applicant must have comprehensive sickness insurance that covers all risks typically covered for Maltese nationals. This ensures that the applicant and their dependents have access to healthcare without burdening Malta’s public health system.

Valid Travel Document

The applicant must hold a valid passport or other recognised travel document.

Language Proficiency

The applicant must be able to communicate adequately in English, which is an official language of Malta. This ensures ease of integration and communication within the country.

Fit and Proper

The applicant must be deemed a fit and proper person, meaning they must have a clean criminal record and meet the ethical standards required by the program. This is assessed through due diligence checks conducted during the application process.

QUALIFYING DEPENDANTS

In addition to the main applicant, the following qualifying dependents are eligible to be included in the application:

• Spouse or Partner: The legally married spouse or a partner in a long-term, stable relationship with the main applicant.
• Biological or Adopted Children: Minor Children (under 18 years old) and Adult Children (18+ years, financially dependent, unmarried, pursuing full-time education/training, or unable to support themselves due to serious illness/disability).
• Dependent relatives in the ascending line of the applicant or his spouse.
• Parents or Grandparents of the main applicant or their spouse/partner, if financially dependent.
• Housekeeping staff that have been with the family for at least 2 years from the date of application.

These dependents must meet the criteria outlined in the GRP regulations and be included in the main applicant’s application. The inclusion of dependents makes the program particularly appealing for families seeking to establish residency in Malta together.

MALTA GLOBAL RESIDENCY PROGRAMME APPLICATION PROCESS

When applying for residency in Malta through programs like the Global Residence Programme (GRP) or other similar schemes, the process involves several key steps, including due diligence and meeting the property requirement. Here’s a breakdown of what happens after the Commissioner issues a Letter of In-Principle Approval:

1. Due Diligence and In-Principle Approval

Once your application is submitted, the Maltese authorities conduct a thorough due diligence process to verify your background, financial standing, and eligibility for the program. If successful, the Residency Malta Agency will issue a Letter of In-Principle Approval.

1. Property Requirement

At this stage the applicant must fulfill the property requirement stipulated above.

1. Submitting Proof of Property Acquisition

Once you have purchased or rented a qualifying property, provide proof to the Residency Malta Agency, including:

• Copy of the final deed of purchase or lease agreement.
• Proof of payment (bank transfer or receipts).
• Property valuation report from a licensed architect or surveyor, if required.

1. Final Approval and Residency Certificate

After fulfilling all requirements, authorities issue the final approval and residency certificate, confirming your status as a Maltese resident.

1. Maintaining Residency

To maintain residency status, you must:

• Retain ownership or rental of the qualifying property.
• Pay the minimum annual tax liability (€15,000 for the main applicant, additional for dependents).
• Spend at least 90 days per year in Malta (averaged over five years) to maintain tax residency.

TAX BENEFITS OF MALTA GLOBAL RESIDENCE

Applicants under the GRP benefit from a special and favourable tax status:

• Flat Tax Rate
• Non-domiciled individuals subject to a minimum annual tax liability of €15,000 (increases with dependents, e.g., €25,000).
• Tax on foreign income remitted to Malta at 15%.
• Income received in Malta taxed at 35%.
• Foreign income not brought into Malta: 0% tax.
• No wealth, inheritance, or gift taxes.
• Double taxation treaties reduce risk of double taxation.
• Capital gains outside Malta are exempt from tax.
• Tax-free allowances and deductions available.
• Stable and transparent tax system.

OTHER BENEFITS

Health System: Malta offers outstanding healthcare, ranked 5th globally by WHO, with both public and private options.

Language: English is an official language, widely spoken.

Political Stability: Stable democratic governance, EU member, strong rule of law.

Schengen Area Membership: Freedom of movement across 26 European countries.

EU Membership Benefits: Rights to live, work, study in any EU country

INTRODUCTION

The EU Blue Card represents Bulgaria’s efficient pathway for highly skilled non-EU professionals seeking to reside and work in the nation. It can be viewed as a dual-purpose work and residence permit that offers several additional benefits—such as family reunification, a longer validity period compared to most standard permits, and a simplified process for relocating within the EU later in your career.

A Bulgarian EU Blue Card grants you the authority to live and work in Bulgaria in a highly qualified position. It is issued in accordance with national legislation that enforces EU regulations and is managed by the Ministry of Interior (Migration Directorate).

It is valid up to 5 years. The initial issuance is never less than 24 months. If your employment contract is shorter, the card typically reflects the contract duration plus three months (with a maximum of 24 months), during which you would need to find another job in Bulgaria.

Target Audience includes seasoned professionals—engineers, ICT specialists, finance executives, researchers, healthcare personnel, architects, and other regulated or non-regulated professions that satisfy the qualification and salary criteria.

Benefits: legal residency, the right to work for your sponsoring employer, access to national healthcare and social security, and a structure that facilitates future relocation to another EU country.

Eligibility Criteria

• Job offer/contract in Bulgaria for highly qualified employment lasting at least 6 months.
• Salary threshold met: your gross pay must be at least 1.5× the national average gross salary for Bulgaria at the time of filing (the exact figure is updated periodically).
• Higher education (a degree of at least three academic years) or recognised equivalent professional experience for certain roles (e.g., specific ICT positions), as accepted by the authorities.
• Health insurance valid in Bulgaria.
• Clean criminal record and no security risk.
• Accommodation/address arranged in Bulgaria (rental, ownership, or declared housing).
• Regulated professions (if applicable): recognition or licensing in Bulgaria (e.g., medicine, architecture) before you can legally practice.

Changing employer: You can change employers after one year of employment, but expect formalities. In practice, many people plan changes to coincide with renewal or make a fresh Blue Card filing when switching companies.

Documents to Prepare

The following documentation have to be translated into Bulgarian and dully legalised:

• Employment contract (or binding offer) clearly stating duties, location (office/remote/hybrid), term, and gross salary.
• Degree(s) and transcripts or documents proving professional experience as permitted for your role.
• Passport (and copies).
• Police clearance from your home country (and sometimes other countries of recent residence).
• Health insurance proof.
• Accommodation evidence (rental agreement, deed, or notarised declaration).
• Application forms issued by the Migration Directorate.
• Regulated profession recognition (if your field requires it).

Step-by-Step: How the Process Usually Unfolds

1) Secure the offer

Confirm the job title, duties, work location, and gross pay. Check the salary against the current Blue Card threshold.

2) Employer’s part

Your employer initiates the authorisation steps with the Bulgarian Employment Agency/Migration Directorate. Bulgaria doesn’t run a labour market test for Blue Cards, which speeds things up.

3) Type D visa (if needed)

If you’re visa-required, apply at a Bulgarian embassy/consulate for a Long-Stay (D) visa so you can enter Bulgaria to complete residence formalities.

4) Arrive and register

After you enter the country, register your address within the required time. Prepare your file and submit the Blue Card application to the Migration Directorate.

5) Decision and collection

The legal maximum for a decision is three months from the moment a complete file is lodged. Many clean cases finish faster. You’ll be called to collect your plastic residence card once issued.

Real-world timing: With a well-prepared employer and tidy documentation, the end-to-end path often runs 1–3 months post-submission. Regulated-profession recognition and family applications can add time.

Validity and Renewal

The validity of the visa D is up to 5 years. The first grant is not less than 24 months unless your contract is shorter.

The renewal keeps meeting the same rules—job still qualifies, salary stays above the threshold, documents are current.

Unemployment cushion: short gaps are tolerated—typically up to three months during the validity (with limits on how often). Notify the authorities and secure a new role quickly.

Employer changes: allowed, but in practice you or your new employer may need to file for authorisation/a fresh card, especially within the early period. Don’t resign until your plan is clear.

Rights You Gain As the Blue Card holder

• Live in Bulgaria for the card’s validity and work in the highly qualified role you were approved for.
• Be enrolled in national health insurance and social security via your employer.
• Travel across the EU for short stays with your passport + residence card (the card itself isn’t a standalone travel document).
• After time, use intra-EU mobility rules to take a role in another Member State under simplified conditions.
• Accrue time toward EU long-term resident status (LT-EU) if you meet the continuity requirements, even across multiple Member States.

For your family

• Your spouse and unmarried minor children can join you through family reunification tied to your Blue Card.
• Spouses can usually access the labour market once their residence is issued.

Moving to Another EU Country Later

A major draw of the Blue Card is that, after you’ve spent 12 months on a Blue Card in one EU country, you can move to a second Member State via a simplified route. You still apply and must meet that country’s salary/qualification rules, but the process tends to be lighter than starting from scratch.

Time spent in different countries as a Blue Card holder can add up toward EU long-term resident status, provided your residence is continuous and lawful the whole time.

What is the cost?

The initial fee for the EU Blue Card is 110 BGN (equivalent to 55 EUR) for the services provided by the Migration Directorate.

The fee for renewal or replacement remains the same.

For express processing, the fee is 45 EUR for a turnaround of 10 working days, and 112 EUR for a turnaround of 3 working days.

You need to add the following as an expence

• Translations and legalisations/apostilles.
• Health insurance contributions.
• Professional recognition (if your field is regulated).
• Legal/agent fees (if you use external support).

Quick Planning Timeline

• Weeks 0–2: Offer finalised; documents checklist; salary/role compliance confirmed.
• Weeks 2–6: Employer pre-authorisation steps; you gather police clearance, insurance, translations.
• Weeks 4–8: If needed, Type D visa at consulate.
• Weeks 6–10: Arrive; address registration; Blue Card submission.
• Up to month 3: Decision window; collect the card.

Your exact path may be faster or slower depending on documents, family, and profession.

FAQ

1) Is the Blue Card just for tech workers?

No. While ICT roles are common, the Blue Card covers any highly qualified position that meets education/experience and salary rules.

2) What salary do I need?

Your contract must meet or exceed the current Bulgarian Blue Card threshold (no less than 1.5× the average gross salary). The numeric amount moves with the national average, so ask HR to verify the latest figure.

3) Do I need a Type D visa first?

If your nationality requires a visa to enter Bulgaria for residence purposes, yes—you’ll apply for a Long-Stay (D) visa at a Bulgarian consulate before completing the process in country.

4) How long does it take?

By law, authorities have up to three months after you submit a complete file. Many clean cases conclude sooner.

5) Can I change employer?

Yes, but expect formalities, especially in your first year. Plan the switch with HR/immigration support and don’t resign until the new filing plan is clear.

6) Can my spouse work?

Spouses who join you through family reunification usually can work once they receive their residence documents. Confirm any onboarding steps with the employer.

7) Does the Blue Card lead to permanent residence?

You may qualify for EU long-term resident status after five years of continuous legal stay in the EU as a Blue Card holder (time across Member States can be aggregated if you follow the rules). National permanent residence may also be available under Bulgarian law once you meet local criteria.

8) Do I need recognition for regulated professions?

Yes. Doctors, dentists, architects, and other regulated professionals must complete Bulgarian recognition/licensing before practising. Start early.

INTRODUCTION

In Bulgaria, “Golden Visa” is used to describe a residency-by-investment route leading to permanent residence (PR) and—after a qualifying period—to qualification for citizenship by naturalisation (subject to normal language, integration, and legal requirements). The immediate citizenship-by-investment route (otherwise known as “golden passports”) was abolished in March–April 2022, and fast-track citizenship through doubling the investment is not on offer.

The investor path now mainly consists of an investment of €512,000 in a Bulgarian-licensed investment fund (AIF/ETF) to statutory requirements, retained for at least five years, when a PR holder can then apply for citizenship by naturalisation (not automatic). Allow some 8–12 months to PR (case-dependent), and five years’ PR before the possibility of an application for citizenship (subject to law and practice).

Joined the Schengen zone on January 1, 2025, and the youngest member of the EU, Bulgaria, is now a hot destination for global mobility-seeking investors. The Golden Visa in Bulgaria grants permanent residence to the investor with expedited processing times, unlike other European Golden Visas.

INVESTMENT REQUIREMENTS

The Bulgarian investor visa only offers the choice of investment in funds, i.e., AIF or EFT. So, you would need to invest €512,000 in an approved fund of Bulgaria’s Financial Supervision Commission and keep it for at least 5 years.

The fund must meet the following criteria:

• Must have assets of at least 5,000,000 BGN (around €2.5M)
• Must be officially licensed within Bulgaria
• Must invest heavily in shares or bonds of Bulgarian listed companies on Bulgarian regulated markets (Bulgarian assets)

Furthermore, in contrast to Portugal Golden Visa program, this program allows real estate-related funds.

AIF Fund Investment

AIF fund investment, or Alternative Investment Funds, means investing an amount of €512,000 in the fund. This is the best option in Bulgaria Investor Visa. In this, investors can invest one or more AIFs to spread the risk.

Keeping this point in mind, AIF is a more stable and balanced investment vehicle for investors because the prime intention of the Fund is to get your capital safe and a small return. And it is an open-ended fund investment through which you can redeem your investment any time you desire.

ETF Fund Investment

The second option for Fund investment is in EFT (Exchange-Traded Funds) which will enable them to invest in only one or several of funds to be able to limit their risks. They can normally be freely bought and sold on the stock exchange. They are therefore liquid investments.

Investments cannot be diversified to AIFs or ETFs. You either choose to invest in AIFs or ETFs.

ELIGIBILITY CRITERIA

The Main Applicant

Non-EU individuals should follow these eligibility criteria:

• Over the age of 18 years
• Not an EU citizen,
• Possession of a valid passport,
• Clean criminal record,
• Investment of an amount of €512,000,
• Possession of higher income sources than the investment,
• Payment of necessary application fees,

Family Members

As a main applicant, you can include your relatives on your Bulgaria Golden Visa application:

The spouse

The children

Parents

BENEFITS of the Bulgarian Golden Visa

• Bring the family
  Include your spouse and dependent children in the same file. In many cases, dependent parents or parents-in-law can also qualify through family reunification, subject to documents and proof of dependency.
• No strict stay requirement
  There’s no fixed minimum number of days you must live in Bulgaria to keep your status. Maintain the qualifying investment and meet the program’s compliance rules. (Do note: time physically spent in Bulgaria matters for tax residency and later citizenship planning.)
• Regulated investment environment
  Funds used for the route are licensed and supervised by the Bulgarian Financial Supervision Commission, adding oversight on the manager, custody, and reporting—an extra layer of comfort for capital-preservation strategies.
• No language test for PR
  You don’t need Bulgarian language skills to obtain permanent residence. Language matters later only if you decide to pursue citizenship by naturalisation.
• Schengen access, simplified travel
  As an EU permanent resident based in Bulgaria, you benefit from easier mobility within the EU/Schengen framework (subject to current Schengen implementation rules and standard short-stay limits). Always check the latest entry rules before you travel.
• Streamlined processing
  Compared with many EU RBI options, Bulgaria offers a clear, rule-based pathway with practical timelines when your documents are in order.
• Low flat tax—if you become tax resident
  Bulgaria’s personal income tax is a flat 10%, one of the lowest in the EU. This applies if you are tax resident in Bulgaria; immigration status alone doesn’t determine tax residency.
• Flexible funding setup
  In many cases you can transfer the investment from an overseas account in a FATF-compliant jurisdiction, subject to KYC/AML. A local account may still be requested by the fund or bank—your lawyer will confirm the cleanest route for your case.

APPLICATION PROCESS

Step 1: Pre-approval

Before you invest, you’ll go through a pre-approval (due diligence) process, typically coordinated with the Bulgarian Investment Agency. This stage confirms that you:

• Can show a legitimate source of funds/income
• Are not a politically exposed person (PEP) or otherwise restricted
• Have a clean criminal record
• Use a bank account in a FATF-compliant country

Once you’re cleared, you can proceed to the investment.

Step 2: Make the investment & obtain the certificate

Next, you invest €512,000 in qualifying Bulgarian AIFs or ETFs. After the subscription settles, the fund manager issues an investment certificate (and related confirmations).

This step can usually be handled remotely with proper documentation and, if needed, a power of attorney—no in-person visit required at this stage.

Step 3: Apply for the D-type visa

With your investment evidence in hand, we gather your personal documents and submit a D-type visa application at a Bulgarian embassy or consulate. Typical processing is around 2–4 weeks, though timelines can vary by post and season.

Step 4: Get your permanent residence card

After your D-visa is issued, travel to Bulgaria and file for permanent residence at the local Migration Directorate. You’ll attend biometrics and, once approved, receive your permanent residence card—usually within a few weeks. From there, you can launch family reunification to bring eligible family members.

The residence right is indefinite, but the PR card itself must be renewed every 5 years (photo, biometrics, updated documents).

N.B. NO RESTRICTIONS BASED ON COUNTRY OF ORIGIN!

Introduction

Bulgaria continues to attract international investors, entrepreneurs, and foreign companies looking to secure a foothold in the European Union. One of the most strategic residency routes in Bulgaria is through the establishment of a Trade Representation Office (TRO).

This option is particularly attractive for non-EU business owners and company representatives, as it allows a company to expand its visibility in the EU while giving appointed representatives the right to obtain renewable residence permits in Bulgaria.

Unlike other residence schemes that require property purchases or high capital investments, the TRO route focuses on business presence and representation. For this reason, it has become an appealing path for companies that want to test the European market, establish partnerships, and enjoy long-term residence opportunities in Bulgaria and beyond.

Company Eligibility Requirements

To establish a TRO in Bulgaria, the parent company must satisfy several eligibility criteria. These requirements are designed to ensure that only active, credible businesses make use of this route.

Minimum Requirements:

• Incorporation period: The company must be incorporated for at least two years.

• Tax compliance: The business must maintain an active and tax-compliant status in its jurisdiction.

• Turnover threshold: The company must demonstrate an annual turnover of at least BGN 100,000 (approx. EUR 51,000) in each of the two financial years prior to registration.

• Business intent: The company must show genuine plans to develop a presence in Bulgaria, even if indirect or exploratory.

These requirements are verified through official documents submitted to the Bulgarian Chamber of Commerce and Industry (BCCI), which manages TRO registrations.

Documentation Required for TRO Registration

The documentation process is an essential part of establishing a Trade Representation Office.

Core Documents for TRO Registration:

1. Application Form – official request to the BCCI.

2. Company Incorporation Certificate – legalized/apostilled and translated into Bulgarian.

3. Articles of Association or Memorandum of Incorporation – demonstrating company structure and objectives.

4. Good Standing Certificate – confirming the company is active and compliant in its home country.

5. Audited Financial Statements – for the last two financial years, proving the required turnover threshold.

6. Resolution of Appointment – decision of the company’s board/shareholders to establish the TRO in Bulgaria.

7. Power of Attorney – for the local legal representative or consultant managing the TRO registration.

8. Proof of Office Address in Bulgaria – lease agreement or property ownership documents.

9. Passport copies – of the appointed Trade Representatives.

All documents issued abroad must be legalized (Apostille or consular legalization) and officially translated into Bulgarian.

Appointing Trade Representatives

A foreign company can appoint up to two Trade Representatives under one TRO registration.

Eligibility of Trade Representatives:

• Must be employees or representatives of the parent company.

• Must have a clear criminal record.

• Should not be politically exposed individuals (PEPs) with risks under EU AML standards.

Role of Trade Representatives:

• Liaise with Bulgarian partners, institutions, and potential clients.

• Conduct market research and prepare feasibility studies.

• Promote the company’s products and services through non-commercial activities.

• Represent the company at conferences, exhibitions, and trade events.

This role is crucial, as the residence permit is issued personally to the Trade Representatives, not to the company itself.

Fees and Costs of TRO Residency in Bulgaria

The TRO pathway is considered cost-efficient compared to most EU residency options.

Key Fees (approximate, as of 2025):

• BCCI TRO Registration Fee: BGN 1,200 – 1,500 (EUR 600 – 750).

• Translation and Legalization of Documents: EUR 500 – 1,000 (depending on volume).

• Legal & Consultancy Fees: EUR 12,000 (one-time setup).

• Government Residence Permit Application Fee: EUR 200 per person.

• Annual Renewal Costs: EUR 1,000 – 1,500.

• Health Insurance: EUR 200 – 400 per year (mandatory for residence permits).

Timeframe for TRO Registration and Residence Permits

The timeline for establishing a TRO and obtaining residence permits in Bulgaria is as follows:

1. Preparation of Documents: 2 – 4 weeks (legalization, translation, apostille).

2. TRO Registration with BCCI: 2 weeks after submission.

3. Residence Permit Application (D-Visa): 1 – 2 months (at Bulgarian embassy in home country).

4. Issuance of Residence Card in Bulgaria: 2 – 4 weeks after arrival.

Total timeframe: approx. 3 – 5 months from start to finish.

Annual residence permit renewals typically take 2 – 3 weeks if documentation is in order.

Residence Permits and Long-Term Opportunities

The TRO route enables Trade Representatives to apply for renewable residence permits.

Key Features:

• Initial validity: 1 year.

• Renewals: Annually renewable, provided the TRO remains active.

• Family Reunification: Spouse and dependent children can apply for residence permits under family reunification rules.

Long-Term Options After 5 Years:

• Permanent Residence in Bulgaria: Available after 5 years of continuous residence.

• EU Long-Term Residence Permit: Grants visa-free residence in most EU countries.

• Bulgarian Citizenship: After 10 years of legal residence (with language and integration requirements).

Trade Representatives must reside physically in Bulgaria for at least 30 months out of the 5 years to qualify for long-term residence.

Benefits of the Bulgaria TRO Residency Route

1. No large investment required – unlike Golden Visa programs.

2. Low annual maintenance costs.

3. Clear path to PR and citizenship.

4. Access to EU markets from a cost-competitive base.

5. Family reunification rights.

6. Tax advantages – Bulgaria offers one of the lowest corporate tax rates in the EU at 10%.

Common Challenges and How to Overcome Them

• Document legalization delays – plan early to obtain apostille/legalization.

• Proving company turnover – audited statements are required.

• Residence renewals – ensure the TRO remains active with a local office and ongoing representation.

  FAQ

  What is a Trade Representation Office in Bulgaria?

A TRO is a non-commercial entity registered with the Bulgarian Chamber of Commerce and Industry that allows foreign companies to appoint representatives and obtain residence permits.

        How long does the TRO residency process take?

On average, 3 – 5 months from start to residence card issuance.

       Can family members join under the TRO route?

Yes, spouses and dependent children can obtain residence permits under family reunification.

      Can a TRO lead to Bulgarian citizenship?

Yes. After 5 years, representatives may apply for permanent or EU long-term residence, and after 10 years, citizenship becomes possible.

Known as “The Nature Isle of the Caribbean,” Dominica is a beautiful Caribbean island filled with green rainforests and tall volcanic mountains. It also has waterfalls, hot springs, and many unique animals, making it a real paradise on Earth.

The Dominica Citizenship by Investment Programme was introduced in 1993 by the Government of the Commonwealth of Dominica and is now one of the world’s longest-running economic citizenship programmes. Individuals can acquire Dominican citizenship by making a substantial financial investment aimed at enhancing the nation’s infrastructure. The primary objective of this Programme is to attract foreign investments, thereby stimulating economic growth and addressing the needs of today’s competitive international market. Prospective investors have the option to contribute to significant development initiatives in both public and private sectors or invest in real estate that has received Government approval.

THE PROGRAMME

Dominica’s Citizenship by Investment Programme provides two primary routes for prospective investors seeking citizenship.

1. A one time, non-refundable contribution of US$200,000 to the Economic Diversification Fund (EDF).

INVESTMENT FEES for this route:

• US$200,000 for the main applicant;
• US$250,000 for the main applicant and up to three qualifying dependants;
• US$25,000 for any additional dependant under the age of eighteen;
• US$40,000 for any additional dependant eighteen years of age or older;

OR

2. Real Estate Investment for a minimum of  US$200,000 in an Approved Project by the Government. Real estate must be held for either three years from the date citizenship is granted or, if the future purchaser is also a Citizenship by Investment applicant, five years from the date citizenship is granted.

INVESTMENT FEES for this route:

• US$75,000 for the main applicant;
• US$100,000 for the main applicant and up to three dependants;
• US$25,000 for each additional dependant under the age of 18;
• US$40,000 for each additional qualified dependant aged 18 years of age or older.ADDITIONAL FEES for both routes
• Processing Fees -US$1,000 per application;
• Due diligence fees – US$7,500 for the main applicant;
• Certificate of Naturalisation fee – US$500 per person;
• Interview fees-US$1,000 per interview;
• Enhanced due diligence fees apply to Iranian applicants.
  Who is eligible to apply?
• At least 18 years old,
• In good health
• Have no criminal record
• Basic knowledge of English
• Have funds to make an investment
  BENEFITS
• No physical residency requirementsNo physical residency requirements.
• Inclusion of dependent children under 30.
• Inclusion of dependent parents and grandparents over 65
• No education or managerial experience required.
• Visa-free travel to 136 countries, including Europe’s Schengen     zone, Hong Kong, Malaysia, Singapore and Turkey
• Full residence status.
• No taxes for nonresidents. Minimal taxation: Enjoy no wealth, gift, inheritance, foreign income, or capital gains tax. Furthermore, residents benefit from zero personal income tax.
• Reputation in the Global Market: Recognised for its efficiency and professionalism, the Unit has earned the trust of investors worldwide.
• Citizenship for Life: Guarantees that the privileges associated with citizenship are maintained for life.
• Double taxation treaties: Dominica is a signatory to double taxation agreements with the USA and CARICOM, ensuring favourable tax treatment for businesses.
• Profit repatriation: There are no restrictions on the repatriation of profits and imported capital, allowing for seamless financial management.
• Incentive packages: Dominica offers attractive corporate tax incentives, full exemptions from import duties, tax relief benefits, and export allowances that enhance business profitability.
• Duty-free market access: Benefit from duty-free access to several markets across the Caribbean, expanding your business opportunities.

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