Programs With 180+ Visa-Free Countries
Twenty-three active programs are based in countries whose passport or residency status grants access to 180 or more countries without a visa. These are concentrated in Europe (Portugal, Spain, Italy, Austria, Greece, Ireland, Switzerland) and high-ranking Asia-Pacific nations (Singapore, Malaysia, Australia, New Zealand). Programs in this tier offer the strongest travel documents available through investment migration.
Programs
23
Countries
16
Types
RBI
From
Income-based
Key Takeaways
- ✓ Singapore GIP leads with 195 visa-free countries
- ✓ European programs dominate this tier, with most offering 188-191 visa-free destinations
- ✓ All programs in this bracket grant Schengen or equivalent high-level travel access
- ✓ Investment ranges from income-based (EUR 0) to SGD 10,000,000 (Singapore GIP)
All Programs at a Glance
Sorted by minimum investment. Click any country to explore in detail.
| Country | Program | Type | Min. Investment | Processing | Citizenship Path |
|---|---|---|---|---|---|
| 🇵🇹 Portugal | D7 Passive Income Visa | RBI | Income-based | 3 months | 5 years |
| 🇪🇸 Spain | Non-Lucrative Visa | RBI | Income-based | 5 months | 10 years |
| 🇪🇸 Spain | Digital Nomad Visa | RBI | Income-based | 1-3 months | 10 years |
| 🇮🇹 Italy | Elective Residence Visa | RBI | Income-based | 3-6 months | 10 years |
| ðŸ‡ðŸ‡· Croatia | Digital Nomad Visa | RBI | Income-based | 1-2 months | No direct path |
| ðŸ‡ðŸ‡· Croatia | Temporary Residence for Business Activity | RBI | Income-based | 1-3 months | 8 years (5 years continuous residence + 3 years permanent residence) |
| 🇦🇺 Australia | National Innovation Visa (NIV) | RBI | Income-based | 12-24 months | 4 years (after PR) |
| 🇱🇻 Latvia | Golden Visa | RBI | €50,000 | 1-3 months | 10 years (PR after 4 years) |
| 🇦🇹 Austria | Residence Permit (Financially Independent) | RBI | €100,000 | 3-6 months | 10 years (6 years under certain conditions) |
| 🇲🇾 Malaysia | MM2H Silver | RBI | $150,000 | 2-3 months | No direct path |
| 🇲🇹 Malta | Malta Permanent Residence (MPRP) | RBI | €150,000 | 4-6 months | No direct path |
| 🇲🇾 Malaysia | Premium Visa Programme (PVIP) | RBI | $215,000 | 4-6 weeks | No direct path |
| 🇬🇷 Greece | Golden Visa | RBI | €250,000 | 2-3 months | 7 years |
| 🇮🇹 Italy | Investor Visa | RBI | €250,000 | 3-6 months | 10 years |
| ðŸ‡ðŸ‡º Hungary | Guest Investor Program (Golden Visa) | RBI | €250,000 | 3-6 months | 8 years + language exam |
| 🇨🇠Switzerland | Lump-Sum Taxation Residence | RBI | CHF 450,000 | 3-6 months | 10 years (12 years for non-EU nationals) |
| 🇲🇾 Malaysia | MM2H Gold | RBI | $500,000 | 3 months | No direct path |
| 🇵🇹 Portugal | Golden Visa (ARI) | RBI | €500,000 | 12-18 months | 5 years |
| 🇺🇸 United States | EB-5 Immigrant Investor Program | RBI | $800,000 | 12-24 months | 5 years (after green card) |
| 🇲🇾 Malaysia | MM2H Platinum | RBI | $1,000,000 | 3 months | No direct path |
| 🇦🇪 UAE | Golden Visa | RBI | AED2,000,000 | 1-3 months | No direct path (UAE does not offer CBI) |
| 🇳🇿 New Zealand | Active Investor Plus | RBI | NZD 5,000,000 | 6-12 months | 5 years |
| 🇸🇬 Singapore | Global Investor Programme (GIP) | RBI | SGD 10,000,000 | 6-12 months | 2 years (eligible to apply after PR) |
Explore Each Program
Detailed cards with investment requirements, timelines, and key benefits.
D7 Passive Income Visa
Income-based
Proof of passive income (approx. €900/month minimum)
3 months
183+ days/year
2 years (renewable)
Yes
5 years
191
- ✓ No investment required, income-based
- ✓ Pension income accepted
- ✓ Must reside in Portugal
Non-Lucrative Visa
Income-based
Proof of passive income of ~€2,300/month (400% of Spain's IPREM index) for main applicant, plus ~€575/month per dependent. Private health insurance mandatory. Property lease or purchase required. Cannot work for Spanish employers.
5 months
183+ days/year in Spain (6 months continuous absence risks permit loss)
1 year (renewable)
No
10 years
191
- ✓ No investment required — income-based route only
- ✓ Beckham Law available: flat 24% tax on Spanish income for first 6 years
- ✓ Pension, dividend, and rental income all qualify as passive income
Digital Nomad Visa
Income-based
No investment. Must demonstrate remote employment or freelance activity for a non-Spanish company, with minimum income of approximately €2,520/month (200% IPREM).
1-3 months
Must reside in Spain
1 year visa, then 3-year residence permit (renewable)
Yes
10 years
191
- ✓ Beckham Law eligible: 24% flat tax on Spanish-source income for first 6 years
- ✓ No investment required, income-based qualification
- ✓ Full Schengen access
Elective Residence Visa
Income-based
Proof of stable passive income (no fixed minimum, typically €31K+/year) + property.
3-6 months
Must reside in Italy (183+ days/year). No work permitted.
1 year (renewable)
No
10 years
191
- ✓ Income-based, no investment required
- ✓ Cannot work in Italy
- ✓ Flat tax regime available
Digital Nomad Visa
Income-based
Proof of €2,540/month income from remote work for non-Croatian employer.
1-2 months
Must reside in Croatia
1 year (non-renewable, can reapply after 6 months)
No
No direct path
188
- ✓ No Croatian tax on foreign income during the visa period
- ✓ Full Schengen access — Croatia joined Schengen and adopted Euro in 2023
- ✓ Non-renewable — must leave for 6 months before reapplying
Temporary Residence for Business Activity
Income-based
Company registration in Croatia or appointment as director/board member. No minimum capital requirement for d.o.o. (LLC equivalent).
1-3 months
Must reside in Croatia
1 year (renewable annually, leads to permanent residence after 5 years)
Yes
8 years (5 years continuous residence + 3 years permanent residence)
188
- ✓ EU + Schengen + Eurozone access from 2023
- ✓ Actual path to Croatian (EU) citizenship via 8-year integration
- ✓ Full work rights, unlike the Digital Nomad Visa
National Innovation Visa (NIV)
Income-based
No minimum investment threshold. Invitation-only based on exceptional achievement and recognised contribution to innovation, research, entrepreneurship, investment, sport, or arts. Must submit Expression of Interest (EOI); Department issues invitations. State nomination required for most streams.
12-24 months
Must reside in Australia
Permanent (direct PR)
Yes
4 years (after PR)
189
- ✓ Merit-based, not investment-based — no minimum capital threshold
- ✓ Grants permanent residence directly, not a provisional visa
- ✓ Highly selective: ~300 invitations issued from 9,000+ EOIs as of 2025
Golden Visa
€50,000
Real estate: €250K+ in Riga or within 30km (freehold, 5-year hold, +5% government fee). Business: €50K into Latvian company (<50 employees) or €100K (50+ employees), plus €10K government fee. Bank deposit: €280K fixed for 5 years. Income proof: €2,220/month required.
1-3 months
Must maintain investment
5 years (renewable)
Yes
10 years (PR after 4 years)
188
- ✓ Lowest EU Golden Visa business investment route at €50K
- ✓ Corporate tax on distributed profits only — reinvested profits untaxed
- ✓ Permanent residency available after 4 years
Residence Permit (Financially Independent)
€100,000
€100K+ in demonstrable financial means. No specific investment vehicle required but must prove financial independence.
3-6 months
Must reside in Austria
1 year (renewable, PR after 5 years)
No
10 years (6 years under certain conditions)
191
- ✓ Vienna rated world's most livable city multiple years running
- ✓ Strict annual quota — apply early in the year, spots fill fast
- ✓ German language certification required for permit renewals
MM2H Silver
$150,000
RM 500K fixed deposit in Malaysian bank + mandatory property purchase RM 600K+. Proof of RM 1.5M liquid assets and RM 40K/month offshore income required. Up to 50% FD withdrawal allowed after 1 year for property, healthcare, or education.
2-3 months
90 days/year
5 years (renewable)
No
No direct path
180
- ✓ Property purchase mandatory — minimum RM 600K
- ✓ Cannot work or do business in Malaysia
- ✓ RM 40K/month offshore income required
Malta Permanent Residence (MPRP)
€150,000
Government contribution (€68K-€98K) + property purchase (€300K+) or rent (€12K/year) + €2K donation.
4-6 months
Minimal
Permanent
No
No direct path
188
- ✓ 4-generation family inclusion (most generous in EU)
- ✓ Schengen access
- ✓ Permanent residence
Premium Visa Programme (PVIP)
$215,000
RM 1,000,000 fixed deposit in Malaysian bank (approx. USD 215K; up to 50% withdrawable after 6 months for approved uses). Requires RM 40K/month offshore income and proof of RM 10M+ in global assets. No property purchase required.
4-6 weeks
None specified
20 years (5-year renewal cycles)
Yes
No direct path
180
- ✓ No property purchase required — only Malaysia program with this
- ✓ Full work, business, and directorship rights
- ✓ 20-year renewable visa with 4-6 week processing
Golden Visa
€250,000
Property: €800K in Athens/Thessaloniki/Mykonos/Santorini, €400K other areas, €250K for commercial-to-residential conversions only. Also bank deposits (€500K), gov bonds (€500K), funds (€350K).
2-3 months
No minimum stay
5 years (renewable)
No
7 years
188
- ✓ Broadest family inclusion in EU (parents + in-laws of both partners)
- ✓ No stay requirement
- ✓ Schengen access
Investor Visa
€250,000
€250K in qualifying innovative startup (registered, <5 years old, <€5M revenue), €500K in Italian company (SME or larger), €1M philanthropic donation, or €2M in government bonds. Startup route is most popular entry point.
3-6 months
Must maintain Italian tax residency (183+ days/year or centre of vital interests in Italy)
2 years (renewable)
Yes
10 years
191
- ✓ Lowest EU investor visa entry point at €250K (startup route)
- ✓ Flat tax regime: €300K/year on all foreign income (up to 15 years)
- ✓ Path to EU citizenship and passport after 10 years
Guest Investor Program (Golden Visa)
€250,000
€250K in HNB-approved residential real estate fund (40%+ of NAV in Hungarian residential property, 5-year minimum hold). Or €1M non-refundable donation to a public interest trust supporting Hungarian higher education. Direct real estate route removed January 2025.
3-6 months
Must maintain investment
10 years (renewable)
Yes
8 years + language exam
188
- ✓ Lowest-cost EU Golden Visa entry point at €250K (fund route)
- ✓ 10-year renewable permit — longest duration in EU
- ✓ Flat 15% personal income tax, 9% corporate tax (lowest in EU)
Lump-Sum Taxation Residence
CHF 450,000
CHF 450K+ annual tax payment (lump-sum taxation based on living expenses, not income). Varies by canton.
3-6 months
Must reside in Switzerland
1 year (renewable)
No
10 years (12 years for non-EU nationals)
191
- ✓ Tax based on living expenses, not actual income — ideal for very high earners
- ✓ CHF 450K+ annual minimum tax payment — not a fixed investment
- ✓ Cantons Vaud, Valais, Geneva, Ticino offer lump-sum; Zurich and Basel abolished it
MM2H Gold
$500,000
RM 1M fixed deposit in Malaysian bank + mandatory property purchase RM 1M+. Proof of RM 1.5M liquid assets and RM 50K/month offshore income required. Up to 50% FD withdrawal allowed after 1 year for approved purposes.
3 months
90 days/year
15 years (5-year renewal cycles)
No
No direct path
180
- ✓ 15-year visa — longest among MM2H tiers after Platinum
- ✓ Property purchase mandatory — minimum RM 1M
- ✓ RM 50K/month offshore income required
Golden Visa (ARI)
€500,000
Qualifying investment fund (€500K min, 60%+ allocated to Portugal-based companies, 5-year lock-up). Also: €250,000 standard contribution to Portuguese cultural heritage, artistic production, or national scientific research (Law 56/2023). Reduced to €200,000 for projects in low-population-density regions including Azores, Madeira, and interior NUTS III areas. €1.5M capital transfer. Job creation (10 positions). Property route closed Oct 2023.
12-18 months
7 days/year average
2 years (renewable)
Yes
5 years
191
- ✓ Only 7 days/year physical presence required
- ✓ Path to EU passport in 5 years — one of Europe's fastest
- ✓ IFICI flat tax regime (20% on qualifying PT income, 10 years)
EB-5 Immigrant Investor Program
$800,000
$800K in targeted employment area (TEA) or $1.05M standard. Must create/preserve 10+ full-time jobs.
12-24 months
Must reside in US
Green card (permanent)
Yes
5 years (after green card)
186
- ✓ Only investment route to a US green card and eventual citizenship
- ✓ TEA threshold: $800K (vs $1.05M standard) — most invest through regional centres
- ✓ US taxes worldwide income permanently from green card issuance — irreversible
MM2H Platinum
$1,000,000
USD 1,000,000 fixed deposit in Malaysian bank (approx. RM 4.4M-4.7M depending on exchange rate) + mandatory property purchase RM 2M+ + participation fee RM 200K. Proof of RM 1.5M liquid assets and RM 60K/month offshore income required. Work and business rights included.
3 months
90 days/year
20 years (5-year renewal cycles)
Yes
No direct path
180
- ✓ Full work and business rights (only MM2H tier with this)
- ✓ 20-year visa, longest of all MM2H tiers
- ✓ USD 1M fixed deposit + RM 2M property + RM 200K participation fee
Golden Visa
AED2,000,000
Property: AED 2M+ (equity portion, no 50% threshold since Feb 2026 — off-plan and mortgaged accepted). Or: AED 2M+ public investment/deposits. Entrepreneurs: AED 500K+ in approved startup. Expanded categories include content creators, educators, nurses (15+ years), e-sports professionals.
1-3 months
None (can stay outside UAE without visa cancellation)
10 years (renewable)
Yes
No direct path (UAE does not offer CBI)
183
- ✓ Zero personal income tax — no employment, investment, or capital gains tax
- ✓ Off-plan and mortgaged property now qualify (rule change Feb 2026)
- ✓ Can sponsor unlimited family members including adult children
Active Investor Plus
NZD 5,000,000
Growth category: NZD 5M+ in approved managed funds or NZ business direct investment, held 3 years (21 days/year stay). Balanced category: NZD 10M+ in mixed investments including bonds and new residential property, held 5 years (105 days/year stay). Both restructured April 2025.
6-12 months
21 days/3 years (Growth) or 105 days/5 years (Balanced)
4 years (leads to PR)
Yes
5 years
189
- ✓ Two-tier structure since April 2025 — Growth (NZD 5M) or Balanced (NZD 10M)
- ✓ Growth category: only 21 days presence over 3-year investment term
- ✓ No capital gains tax on shares or portfolio investments
Global Investor Programme (GIP)
SGD 10,000,000
Option A: SGD 10M into new/existing Singapore business (30+ employees, 50%+ Singaporean). Option B: SGD 25M into EDB-approved fund investing in Singapore companies. Option C: Single Family Office with SGD 200M AUM, SGD 50M deployed locally. Application fee SGD 20,000 (from May 2025).
6-12 months
Must be based in Singapore
Permanent Residence
Yes
2 years (eligible to apply after PR)
195
- ✓ World's strongest passport by visa-free access (195 countries)
- ✓ Grants PR directly — no provisional period
- ✓ Citizenship eligible after just 2 years of PR
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