The question we get more than any other is “What’s the easiest route to living in Europe long-term?” In the past, we would have directed you to our Golden Visa archives or our posts about freelance visas. But all of a sudden, some very attractive countries see digital nomads as long-term economic assets and image boosters and are issuing digital nomad visas.
That’s because many are skilled developers, entrepreneurs, social media marketers and influencers pulling down serious jack. But you don’t have to be all about the money. You, like our Beth Hoke, can make a living doing what you love to do, in her case, writing, teaching English and hustling clients while she experiences the best Europe has to offer.
By the way, Japanese techologiest Tsugio Makimoto predicted this trend back in 1997, years before wify and fast Internet connections were really a thing. You can see more about his book, “Digital Nomad,” here. So let’s look at the latest developments. And so you know … some of these visas aren’t actually available yet in Europe. We’ll update this post as they come online.
The following list is in the order of the newest to the oldest:
While Ireland doesn’t have a digital nomad visa per se, If you are a non-EU/EEA and non-Swiss national you can apply for permission to do business under the Immigration Investor Programme and Start Up Entrepreneur Programme.
Okay, we’re going to level with you … with a huge tech sector and financial industry, the Republic of Ireland is an expensive place to do anything including play tourist and live. We know. We’ve been there. But the Irish are facing the same demographic gloom and doom as the rest of the Europe, with about 14 percent of the population over 65 years old. So the republic needs to keep attracting young entrepreneurs to keep the Irish Tiger fed.
Enterprise Ireland, Ireland’s economic-development agency, has a deal for well-heeled global entrepreneurs. To qualify for an Enterprise Ireland Competitive Start Fund grant, you’ll need to demonstrate that your company is capable of creating at least 10 jobs and generate 1 million euros in sales over the first three years.
The two funds for All Sectors and Women Entrepreneurs amount to a combined total of 2 million euros. But apply via the Enterprise Ireland website ASAP.
Americans can travel to the republic (but not to Northern Ireland) without a visa and stay 90 days as tourists. Irelands also has a Golden Visa program if you qualify and can afford to invest 1 million euros in an Irish company. So, if you’re going to do that, you might as well start your own.
On 6 July, Spain introduced draft legislation for a startup visa, which is actually a digital nomad visa. The proposed legislation would – among other things – give digital nomads a tax break and startups a tax incentive. We wondered how long it would be till some country figured out these two trends are intersecting.
On the digital nomad side, the visa would be good for 12 months, then renewable for another 12 and cut the non-resident tax rate to 15 percent on the first 600,000 euros from 24 percent. Even without a special digital nomad visa, Spain’s Canary Islands – Gran Canaria, Tenerife – already are popular with remote workers from the EU. Now they’ll have company from non-EU countries.
Yes, we had to look this one up. Cape Verde (or Cabo Verde in Portuguese) is an island nation – a cluster of 10 arid volcanic islands – 300 miles off the coast of Africa. If you consider it to be part of Africa, then Cape Verde is a candidate for the continent’s most stable democracy. In the middle of the Atlantic, it has a mild climate, high-speed Internet connections and beaches and outdoor adventure amid rugged terrain. This drew almost 1 million tourists in 2019, but the tourists went away when the pandemic hit.
Sound like a good place to chill while you work? Cape Verdeans hope that’s how you see it because they just created Remote Working Cabo Verde, a tax exempt digital nomad visa designed to attract 4,000 foreigners, specifically Americans and Europeans. Why 4,000? No idea … but the entire Cape Verde population is only about 550,000 people. The visa is valid for six months to one year.
This one is a no-brainer. This Mediterranean island nation has been a destination for every culture from the Romans and the Moors to the Brits. English is an official language along with Maltese and Malta is part of the EU. As of early June, they’re offering a six-month Digital Nomad visa, with a kinda’ pricey fee of 300 euros. (Compare that to Estonia below.)
For that, you get to stay for six months, with an option to renew for up to one year. To qualify, you have to prove you have a contract with a foreign company, have your own company or have enough freelance business to support yourself.
If you’re not that familiar with Malta, it has the third-highest population density in Europe behind Monaco and Vatican City, so finding a place to stay might be a challenge. A lot of movies and series are shot there including “Game of Thrones” because as we’ve noted, the architecture is like nowhere else in Europe.
Officials in Montenegro are in the early stages of crafting new legislation for a digital nomad visa. This south Balkans travel destination is using the working title of “Program for Attracting Digital Nomads and Encouraging Foreign Investments in Montenegro until 2025,” which doesn’t exactly trip off the tongue. But in competition with neighboring Croatia, it’s likely the Montenegran version will be just as aggressive. And though this country is little-known to Americans, this is an increasingly popular destination, with mountains (hence the name) and even a fjord or two. Montenegro also has a very limited Golden Visa program.
Italy’s strategy when it comes to Digital Nomads is, go big, or go home. Italian officials are planning to create 1 billion euro fund (where does all the money come from?) to lure Digital Nomads to the country’s estimated 2,000 ghost towns – villages in remote regions that have lost most of their populations to urban centers. As part of that project, the plan is to run broadband in to rural areas, according to Forbes.
And in a twist on the 1 euro home concept, a number of Italian villages will subsidize your rent for a few months if you move there as a remote worker. Though ultimately, the goal is to get you to buy and stay. The town of Santa Fiora in Tuscany – 100 kilometers southeast of Florence, population 2,500 – has built a sophisticated website to tout its program, billed “Live in the Country.” The website shows some of the apartments available, which average about 70m2, or 750 square feet, with the rent subsidy of about 200 euros per month, up to six months. The tag line for the effort is, “Live in the village for a short time or forever!” adding that buying a house in Santa Fiora is even smarter. So the strategy is to get you to come, then seduce you into staying.
The website features all of the services in the community as well as the fact that Santa Fiora has broadband. By the way, you have to prove to Santa Fiora officials that you have a job and will actually be working, not vacationing.
The larger town of Rieti near Rome also has a rent subsidy offer, but – alas – no website.
Unfortunately, the one thing Italy doesn’t actually have is a Digital Nomad visa … yet. Italy only has the visto per lavoro autonomo, a self-employment visa that’s really tough to get, or so our Italy-based expats tell us.
This could be a winner … low cost of living, superior internet connection in a tech hub and some of the last great wilderness in Europe. Anyway, Romania is considering legislation that would make it one of the most affordable Digital Nomad destinations in the world, according to Emerging Europe.
The deal is similar to other Digital Nomad visas – you must employed by a foreign firm, or offer services through a self-owned company located outside of Romania. You can stay up to 6 months (maybe longer depending on the final version of the law.) But where Romania shines is that the minimum annual income requirement to get the visas is much lower than, say, $94,000 in Iceland. Romania is kicking around a minimum required income of 1,100 euros per month, or 13,200 annual income.
Part of this is to feed Cluj-Napoca’s demand for highly skilled internationals. Cluj has one of the most advanced IT sectors in the world, attracting global giants including American multinationals, and is almost an economy into itself. Cluj-Napoca hosts about 1,250 companies with more than 14,000 employees, accounting for about 10 percent of the city’s total number of employees. This means that 1 out of 11 active employees work in IT. Bucharest also has a growing tech sector.
Stay tuned …..
“Aha,” you’re saying, “this isn’t Europe!” Well, Curaçao kind of is because this Caribbean Island way, way down in the Lesser Antilles, is part of the Kingdom of the Netherlands. In the past few days, the government of Curaçao has rolled out its @HOMEinCuraçao program that, among other things, allows remote workers special access to work and live in on the island for six months (renewable for another six months) rather than the usual European Union-standard 90-day tourist visa. The fee is about $300 (yes, Curaçao uses dollars) and you have to buy health insurance.
There are also new extended visas for investors and snow birds.
Unlike so much of the Caribbean, the ABCs (Aruba, Bonaire and Curaçao) are stable because they are legally Dutch provinces. And while the ganja is probably better in Jamaica, this is a safer choice on every level including Internet reliability. Finally, the capital and largest city, Willemstadt, has more sophisticated retail than, say, Sint Maarten, because sooner or later, you’ll need a fresh tee-shirt and new pair of Vans.
Portugal, following the philosophy of “go big, or go home,” is the latest entrant in the global mobility of talent game. The Portuguese island of Madeira opened a digital nomad village on 1 February.
The effort is lead by Startup Madeira CEO Carlos Soares Lopez, and you can see the full team here. This is an economic-development project developed by the Regional Government of Madeira, through Startup Madeira, and appears to be for real.
The website is really well-done, but there’s not a lot of info about visa terms, which are crucial if you’re planning to stay more than 90 days, the limit for non-EU citizens in Portugal. In fairness, the website states that this is a limited effort, with the “village” running five months – from 1 February to 30 June. And “the village” appears to be a group of hotels and hostels that are participating.
From everything we can find online, Madeira actually has the infrastructure including shared working spaces and Internet connections robust enough to support digital nomads. As our Beth Hoke can tell you, there are worse places to be a digital nomad than this scenic island in the Atlantic. So why the heck not, right?
Croatia is the latest European country to issue a digital nomad visa. Backed by a commitment by two Split-based Dutch agtech entrepreneurs to invest in this Adriatic jewel, Prime Minister Andrej Plenković introduced legislation last August for a digital nomad visa, an amendment to the Foreigners Act. And voilà, as of late January, an American expat is the first person to get Croatia’s digital nomad visa. Which has to be one of the fastest turnarounds ever.
But we get it: Croatia has all the ingredients – sea, lovely cities, educated workforce and a prime Balkan location between Austria on the north and Greece to the south – to attract wealthy internationals by the droves. Oddly, the salary requirement for digital nomads in Croatia is only $31,514 per year after taxes. Compare that to $50,000 in Barbados and $94,000 in Iceland.
California-born Melissa Paul is a branding consultant, social media manager, and blog editor for design, travel, and lifestyle businesses, according to Total Croatia News. This post has all the details about the process of acquiring the new visa.
The downside is, it’s only good for a year, according to the post about Paul. It cannot be renewed or extended. After one year, the options are applying for a permanent residence permit or remaining as a tourist for 90 days. BUT, Croatian officials just announced that digital nomads get to spend that year NOT paying any income tax.
(You can see an interview here with Jan de Jong, one of the two Dutch entrepreneurs who convinced the Croatian government to create its digital nomad visa.)
Business Insider has a great interview with an American video producer who’s relocated to Croatia, with details about how much he spends each month (not much).
On 1 August 2020, Estonia launched its digital nomad visa, with ambitions to attract 2,000 on-the-go people to this far north innovation center on the Baltic Sea.
Estonia has always been a net talent-exporter, with its techies leaving for London or Stockholm to lay the digital foundations for multiple Unicorns including Skype and TransferWise. Now, Estonia wants to steal other countries’ best and brightest.
The one-year visas will be available to digital nomads willing to spend part of their time working from the Baltic state. (We recommend the summer.) The visa will allow people to stay in the country for 12 months, including 90 days of travel across Europe’s 26-country Schengen zone, which in and of itself will make this a hit.
You can now apply at embassies and consulates just like you would for any other visa. But we’re guessing this launches a whole cottage industry of companies that will help you get this visa for a fee.
Who is eligible to apply?
- You can work anywhere remotely using telecommunications technology
- You have an active employment contract with a company registered outside of Estonia; you conduct business through your own company registered abroad, or you work as a freelancer for clients mostly outside of Estonia.
- You can prove your income meets the minimum threshold during the six months preceding the application. Currently, the monthly income threshold is 3,504 euros before taxes
While you can’t apply yet online, you can subscribe to the newsletter here that will alert you when all this goes live.
The fee is 80 euros for a Type C (short stay) visa and 100 euros for the Type D (long stay) visa. Forms can be submitted at the nearest embassy.
Is Georgia (the country, not the state) on your mind? Maybe it should be as this last of the exotic (sort of) European destinations is offering a digital nomad visa. Georgia, like every other country in the world, wants to attract highly skilled internationals who can contribute to the tax base.
This country on the physical and psychological dividing line between Europe and Central Asia/the Middle East is inexpensive and, according to our expats, beautiful and inviting.
This visa isn’t available yet, but when it is, you’ll apply here. Though there is a school of thought that says their 1-year tourist visa is a better option, AND you don’t get taxed. So do your research.
Greece, which already has a plethora of long-stay visa offerings and Golden Visas, is upping the ante with a proposed 50-percent discount on personal income taxes for “digital migrants” – professionals who relocate there to work. This seems to be a trend, with Iceland offering its digital nomad program with the stipulation that recipients must be full-time employees of a foreign company. (See below.)
Greek’s proposed digital nomad program isn’t law yet, but the legislation is expected to move quickly through the Hellenic parliament before the end of 2021. It would cut the current tax rate in Greece – 44 percent for annual personal income of more than 40,000 euros ($47,000), or 17,600 euros – for highly skilled digital nomads, according to the Guardian. Under the proposed scheme, the rate would drop to 22 percent, or 8,800 euros, for seven years.
There is, as you might suspect, a Brexit component as a number of multinational banks are eyeing sending some operations to Greece so they can continue to do business with the European Union. And Greece has been trying to lure back its best and brightest, who emigrated to the United States and other countries during the financial crisis. Finally, there’s that damn pandemic, which has made the office – even the C-Suite – a less and less attractive place to work.
Though there isn’t yet a digital nomad visa for non-EU citizens, the Greek Reporter has a very detailed post about the best cities for the European digital nomads eligible to work there.
Obscured by pandemics and presidential elections gone awry, Iceland’s government announced in late October that it’s offering a remote worker visa to non-EU citizens with substantial incomes. How substantial? At least 1 million (yes, million) Icelandic króna, or about $7,300 – 6,200 euros – per month, according to the government website. More if you bring your family.
They’re going to need it because Iceland is the second most expensive country in Europe behind Switzerland, according to Numbeo and other sources. Though the upside is, you become an instant millionaire after converting your currency of choice. The new visas allow foreigners to come work remotely for up to six months on this remote island of volcanoes, ice, snow, Björk. stunning scenery and the world’s most northerly capital city in Reykjavik.
Now, the gritty details … the initiative states that you must be the permanent employee of a foreign company. So this is about offering people a very cool place to work remotely at a time global companies are allowing employees the freedom to work anywhere they want. It is not an invitation to come hangout first, then think about maybe getting a few clients for your freelance SEO gig.
BUT, you’re income won’t be taxed and foreign citizens will be allowed to apply for a long-term visa in Iceland for teleworkers and bring their families without having to move their legal domicile to the country or obtain Icelandic ID numbers, according to the website.
Þórdís Kolbrún Reykfjörð Gylfadóttir, minister of Tourism, Innovation and Industry, explains the thinking behind the new visa:
We need to shape our export industry, based on ingenuity and by making it easier for foreign nationals to work from Iceland, we add value, knowledge and connections in Iceland that support our innovation environment.
Not in Europe, but we hear it’s nice
Bali – Bali already attracts digital nomads, but now Indonesia is thinking about making it a thing, according to Lonely Planet. You can see the details here, which mostly involve petitions and behind-the-scenes lobbying.
Barbados – Here’s a no-brainer … work from the beach on one of the world’s lovliest islands, a favorite of British celebrities since the 1930s. With its five-star resorts, Barbados was St. Barths before St. Barths became the Caribbean destination in the 2000s.
If Elon Musk were a digital nomad, this is where he’d be digitally nomading – with Amber Heard at Sandy Lane.
Now, Barbados, of all places, is offering a digital nomad visa. On 1 July, 2020, Barbados Prime Minister Mia Amor Mottley announced a 12-month Barbados Welcome Stamp to allow visitors the option to work remotely from Barbados for a year at a time.
“You don’t need to work in Europe, or the US or Latin America if you can come here and work for a couple months at a time; go back and come back,” the prime minister announced.
You can apply here, and there is a hefty $2,000 fee involved. Also, you have to “expect” to make at least $50,000 during the next 12 months. (We expect to make millions … we hope that counts.)
Now, about that cost of living … cities such as Tallinn and Tbilisi are far less expensive cities than, say, Copenhagen or Amsterdam. The Caribbean not so much. We are huge fans of the Caribbean, but we know from experience that most things are more expensive just because everything has to be shipped in.
That said, Expatica and other crowd-sourced data mills indicate that Bridgetown, the main city on Barbados, has sort of affordable housing, about 40-percent less than Amsterdam.
So there you go … you heard it here first.
Bahamas – The Caribbean is really heating up, and we don’t mean hurricane season. The Bahamas just became the latest country to offer a long-term visa to digital nomads, the 12-month Bahamas Extended Access Travel Stay program. This program is a bit different than those on other Caribbean islands in that there doesn’t appear to be a requirement for earnings, just that you can prove you’re employed. The application fee is lower, as well – $25 Bahamian, about $23 U.S. But if you get the visa, the fee is $1,000 Bahamian. You can apply here.
Bermuda – Okay, crazy rich digital nomads, there’s a new destination where you can work and count your money in a well-known tax haven.
Bermuda’s Digital Nomad 1-year digital nomad visa went live 1 August 2020 and you can apply here. Think of Bermuda as the Switzerland of the semi-tropical Atlantic, close to New York City and with the well-oiled bureaucracy of that Alpine bastion of banking.
This being Bermuda, the application cost is a bit high at $263. And yes, it states clearly in the FAQs that you can indeed bring along your domestic staff. About 400 people (not counting maids and chauffeurs) arrived under the visa in the first six months.
Costa Rica – One of the few stable democracies in Central America (along with Panama), Costa Rica scores big with all travelers from eco-tourists to digital nomads. It’s already high on the most of the “most popular countries with digital nomads” lists without dedicated DN visa. Now, pushed by his tourism officials, Costa Rican President Carlos Alvarado approved legislation on 11 August to create one. Details aren’t final, but proposals include a one-year stay, waiving income tax for digital nomads and allowing them to open local bank accounts instead of constantly going to the ATM and paying foreign transaction fees. Stay tuned.
Mauritius – This island in the Indian Ocean off Madagascar is offering some of the most generous digital nomad visa terms in the world. Aside from the usual documents – passports, proof of health insurance – Mauritius’s Premium Travel Visa requires a minimum monthly income $1,500 for each applicant, and $500 per month for each dependent younger than 24 years old. And it’s good for one year.
Montserrat – This island in the Caribbean is basically half volcano (which buried the capital back in 1996), half tropical paradise. To revive its tourism sector, Montserrat has just introduced a visa for remote workers. The island’s model follows other digital nomad approaches in that you must work for a foreign company (hence, are not taking a job from a local) and earn a lot of money to spend, in this case at least $70,000 American annually. Application fees are $500 for individuals; families up to three people, $750, then another $250 for every additional person over three family members. And we would add that if you’re bringing a family of 10 to Montserrat, our personal experience is that living on a Caribbean island – especially one this remote – is an expensive proposition because everything has to be shipped in.
Sri Lanka: This island-nation in the Indian Ocean is pretty much in constant political turmoil. But it is tropical and it is growing more popular with digital nomads bored with, say, Greece looking for the most exotic places to work. Club Med has Sri Lanka at No. 2 on its list of the most popular countries for digital nomads. Why this chain of all-inclusive luxury hotels even keeps this list is a bit of mystery, but there it is.
Sri Lanka placing so high on the list is particularly interesting because the country didn’t even have a DN visa. Until now. The government is in the process of creating one, but details at this point are all over the place. But it appears the visa will be good for one year.
Thailand – Chiang Mai in Thailand already is a major digital nomad hub. Now, the Kingdom of Thailand is considering changes to its Smart Visa to make it easier to attract digital nomads and remote workers.
It would allow them to stay up to four years without a work visa as long as they work for a foreign company and meet certain qualification metrics.
Currently, Thailand offers four types of smart visas:
• the SmartT for highly skilled internationals,
• Smart E for executives at multinationals,
• Smart I for investors,
• SmartS for start-ups.
United Arab Emirates – The UAE just joined Bermuda and Barbados on the list of countries welcoming affluent digital nomads. Officials in this group of posh, futuristic Gulf emirates just introduced in October their one-year “virtual working programme,” which comes with a lot of stipulations including being able to prove you have top-line monthly revenue of at least $5,000.
BUT, the application fee of $287 is a lot more affordable than Barbados, and you don’t pay any taxes in the UAE. So, this is a doable proposition for most. Well, some ….
You can see the details here including an application form. And Dubai is running non-stop web ads trying to lure remote workers.
In the works:
Serbia has launched the Serbia Digital Initiative, but there’s no special digital nomad visa. Digital nomads can stay 90 days, but then must apply for a formal residence visa. Euronews has an interesting post about the digital nomads in Belgrade.