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A second home in a tropical paradise

A family Plan B in a dollar economy with a local ID that opens doors to banking and daily life.

From $3,990Final scope is confirmed on the call.
See if this is for you
Tropical coastline representing a second home in Panama

Who this is for

A dollar base on a tropical coast. A strong second home for families with children.

This is for you if any of these fit

  • You hold a Friendly Nations passport and want a practical path to a second country.
  • You want the fastest route to permanent residency and are willing to allocate real capital.
  • You have a reliable lifetime pension and want to enjoy it on a tropical coast.

The trade-offs

  • A qualifying job, titled property, bank deposit or lifetime pension.
  • About ten business days in Panama City to file on most visas, then a second trip for the cédula.
  • A poor fit for nomads who want this as a tax residence. It is a Plan B or Plan C you can actually live in. Immigration status and tax residence are separate.

Why Panama

A legal Plan B residency in a dollar economy. Most routes require a real economic tie to the country. We will help you decide which one is right for you on the call.

A real second country

A legal foothold in a stable, dollarized economy. Live, work, bank or keep it as a backup without being locked into one country.

Foreign income is generally not taxed here

Panama uses a territorial tax system. Foreign-source income is usually outside Panama tax, but immigration residence alone does not make you tax resident.

A life you will actually use

Private healthcare, usable infrastructure and a tropical coastline. The cost of living is typically lower than in North America or Western Europe.

Banking before the cédula

You do not need permanent residency to open a bank account. On many routes we can start the banking relationship before you have the cédula.

One application for the whole family

Your spouse and dependent children go on the same filing. You do not run a separate case for each person.

We pick the visa so you do not guess

Nationality, capital, a pension or a job each open a different door. We match one on the call instead of sending you a public menu.

Panama City skyline representing Panama residency planningPanama City skyline representing Panama residency planning

What's included

  • The right visa for your life

    We match the route to your nationality, capital and family. You do not pick from a public table.

  • A file ready before you travel

    Papers, translations and the local lawyers briefed so the trip is not a first draft.

  • Lawyers and government fees in Panama

    Licensed Panamanian lawyers file the paperwork. Government fees on the Panama side are included in this package.

  • The economic tie

    Friendly Nations needs a job in Panama, a property purchase or locked capital. If you need the job, we can form a company for you as a separate service.

  • Honest numbers

    You leave the call knowing what the package covers, any family extras, and the capital or pension the visa requires.

Three routes, one recommendation

Friendly Nations is the typical route for eligible working-age clients. It starts temporary, then moves to permanent. Investor and pension visas can give permanent residence on approval. The numbers below are starting fees. We pick the right route on the call.

Friendly Nations

From $4,690

Typical route
Best fit
Eligible working-age clients who need a practical economic tie to Panama.
Main requirement
A job in Panama, a property purchase or locked capital. If you need the job, we can form a Sociedad Anónima as a separate service.
Status
Temporary for about two years. Permanent residence is a later, separate step.
Travel
About 10 business days to file. Return in about six months for the card and cédula.
Typical timing
About six months to the card and cédula.

Pension visa

From $3,990

Best fit
Clients with a reliable lifetime pension.
Main requirement
A lifetime pension that meets the current threshold.
Status
Permanent residence on approval.
Travel
About 10 business days to file. Return in about six months for the card and cédula.
Typical timing
About six months to the card and cédula.

Qualified Investor

From $16,990

Best fit
Clients with substantial qualifying capital.
Main requirement
A qualifying investment in Panama property, securities or a bank deposit.
Status
Permanent residence on approval.
Travel
We can often file before you travel. Visit after approval for the card and cédula.
Typical timing
About 1 to 3 months.

Not sure which route fits?

We review your nationality, family, capital, pension and travel plans. You leave the call with one recommendation, a realistic timeline and the complete cost.

How the typical route works

This is Friendly Nations. You qualify through a job, a property purchase or locked capital. Investor and pension visas have different travel and timing, which we cover on the call.

  1. Introductory call

    One call

    We compare Panama with Paraguay and confirm if Friendly Nations fits. If another visa is better, we say so before anyone starts.

    Shared

  2. Home-country documents

    1 week to 3 months

    You collect identity, civil, criminal-record and health papers. The clock is yours and depends on the issuing country.

    You

  3. Panama preparation

    2 to 4 weeks

    We review the file, check the documents and arrange translations where we can. Then we do the work your visa needs. That may be a job, a property purchase, locked capital or proof of a pension. A Panama company, if you need one, is a separate service. You do not fly until this is ready.

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  4. Filing trip

    About 10 business days

    You and your dependents stay in Panama City to register, file and get a multiple-entry permit so you can leave.

    Shared

  5. Government processing

    About 6 months

    The government reviews the file. We keep managing the case after you leave. This is also when you plan the return trip for the cédula.

    Government

  6. Card, cédula and return trip

    Within about 6 months

    You get the two-year residence card first. Then you return to Panama for the cédula.

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These are typical ranges. We confirm current requirements before you commit.

Separate services when needed

A Panama company can create the job for Friendly Nations. Banking can be needed before filing. A foundation only makes sense after residency. These are priced separately.

  • Panama company

    We can form a Sociedad Anónima so you meet the employment requirement. Priced separately from the residency.

  • Panama foundation

    Move family assets out of personal ownership and set the rules for succession. A protection layer, not a residency.

  • Banking and settling in

    On the employment or deposit route we often open the account before filing.

Questions

The answers that usually decide if this route is worth a call.

We match the visa to your nationality, capital and family. We will confirm the exact rules on our call.

Friendly Nations. For citizens of over 50 listed countries including the US, Canada, the UK, the Czech Republic, Australia, New Zealand and Japan. You need a qualifying job with a Panamanian company, $200k in titled real estate (local mortgages are often allowed) or a $200k three-year bank deposit. Job, property and deposit all start as temporary residence for about two years, then move to permanent. Plan for about ten business days in Panama City to file. You return in about six months for the card and cédula.

Qualified Investor. Open to any nationality. You need about $500k in Panama real estate, $500k in Panama securities or a $750k five-year bank deposit. You hold the investment for five years. Permanent residency comes on approval, often in 1 to 3 months. We can usually file before you travel. You come to Panama for the card and cédula.

Pensionado. There is no minimum age. You need a lifetime pension of $1,000 a month. Couples can often combine their pensions. Add $250 for each dependent. The requirement drops to $750 if you own Panama property worth $100k or more in your name. You get permanent residency on approval. Plan for about ten business days in Panama City to file, then return in about six months for the card and cédula.

We guide you to the right choice so you avoid dead ends.
For families, dollars, banking and a coastal life, often yes. For singles, or anyone who wants the strongest tax residency on the market, Paraguay residency usually wins. It also asks less of you to get and keep the status. Compare them on the Plan B page, then book a call.
Fees start at $3,990. The pension visa starts at $3,990, Friendly Nations at $4,690, and the investor visa at $16,990. Friendly Nations does not include forming a Panama company. These are starting prices. The final quote is set on the call based on your route, how many people apply, and what else you need.
Friendly Nations can run through a job in Panama, a property purchase or locked capital. If you need a job and do not already have one, we can form a Panama company as a separate service. The investor and pension visas usually do not need a company for the residency itself. A Panama foundation is for protecting assets and passing them on, not for immigration. See our Panama company service if you want the details.
No. US citizens stay taxed on worldwide income. Panama can still be a strong second base. It is not a US tax exit.
Yes. Spouse and dependent children go on the same application. Children aged 18 to 25 generally need proof of full-time university study. Dependent parents can sometimes be included. Everyone needs a clean criminal record and a health certificate.
Friendly Nations and Pensionado usually need about ten business days in Panama City to file. You return in about six months for the cédula. Qualified Investor is often 1 to 3 months. We can often file that one before you travel, then you come for the cédula.
  • Passport valid for at least 6 months.
  • Police record from your country of residence for the last two years. Required for the main applicant and dependents over 18. It must be under 6 months old and apostilled.
  • Birth certificate and marriage certificate where applicable. Both must be apostilled and under 6 months old.
  • Health certificate. You will get this in Panama during your filing trip.
  • Proof of economic ties required by the visa. This could be a job, titled property, bank deposit or lifetime pension.

Timing matters. We send a written list after the call and check the file before anyone travels.

Is Panama for you?

Book a free call. We will recommend one route and show the starting fee, any family extras, the timeline, travel and financial requirements.

  • We start with your situation

    Nationality, capital, family and what you want the second country for. You leave knowing if Panama is realistic.

  • You leave with one recommendation

    We recommend one visa. You see what the package covers, any extras, the timeline and the route requirements.

  • You get a written next step

    If you proceed, we send what to collect, what must happen before filing and what follows after approval.