Comparing the Top 5 European Residency by Investment Programmes in 2025
Are you considering a move to Europe while securing your financial future? Residency by Investment (RBI) programmes are a fantastic way to achieve both.
In 2025, Europe continues to offer some of the most attractive options for individuals seeking flexibility, mobility, and access to the region’s unparalleled lifestyle.
Let’s dive into a comparison of the top five European RBI programmes to help you make an informed decision.
What Are Residency by Investment Programmes?
Residency by Investment programmes allow individuals to gain residency in a country by making a financial investment.
These programmes are designed to attract foreign investment, boost local economies, and provide opportunities for global citizens to enjoy benefits like visa-free travel, tax advantages, and access to high-quality healthcare and education.
Europe remains a top destination due to its cultural richness, safety, and economic opportunities.
The Top 5 European RBI Programmes in 2025
Europe offers a range of attractive Residency by Investment programmes, each catering to different needs and goals.
This section explores the top five options, highlighting their unique features and benefits.
1. Portugal – Golden Visa
Portugal’s Golden Visa remains a favourite among investors. It offers:
Investment Options
: Investments into funds, capital transfers, or job creation.
Benefits
: Residency with only a seven-day stay requirement per year, access to the Schengen Area, and a pathway to citizenship after five years.
Recent Updates
: Innovative financing options have emerged, allowing for reduced initial capital outlay.
2. Spain – Golden Visa
Spain’s Golden Visa is ideal for investors seeking flexibility and a warm Mediterranean lifestyle. However, if you are considering this option, be mindful that the Spain Golden Visa is set to end in April 2025.
Investment Options
: Real estate (minimum €500,000), business development, or government bonds.
Benefits
: Residency for you and your family, no minimum stay requirement, and access to the Schengen Area.
Unique Feature
: It’s perfect for families, as dependants face no language or stay requirements.
3. Greece – Golden Visa
Greece offers one of the most affordable pathways to residency:
Investment Options
: Real estate purchases starting at €250,000.
Benefits
: Permanent residency with minimal bureaucracy, access to the Schengen Area, and inclusion of family members.
Processing Time
: Known for its relatively fast approval process.
4. Malta – Residency and Visa Programme (MRVP)
Malta’s MRVP is a high-end option for those seeking stability and EU access:
Investment Options
: Property acquisition or lease, government bonds, and charitable donations (minimum combined €180,000).
Benefits
: Schengen visa-free travel and high-quality healthcare and education.
Requirements
: Applicants must demonstrate solid financial standing and pass a stringent due diligence process.
5. Cyprus – Cyprus Residency by Investment Programme
Cyprus offers a straightforward path to second residency:
Investment Options
: Real estate or investments in a Cypriot company’s share capital.
Benefits
: Path to citizenship, offering extensive rights across the EU.
Challenges
: Higher financial thresholds.
Comparing Key Aspects
To make an informed decision, it’s essential to understand the differences and similarities between these programmes. Here, we compare residency pathways, tax benefits, and family inclusion.
Pathways to Residency and Citizenship
Portugal and Spain offer a clear path to citizenship after five and ten years, respectively. Malta and Cyprus stand out for quicker routes to citizenship, while Greece focuses on permanent residency without requiring citizenship.
Tax Benefits
Portugal’s Non-Habitual Residency (NHR) scheme provides significant tax savings. Malta and Cyprus also offer attractive tax incentives for businesses and individuals relocating their assets.
Family Inclusion
All programmes allow family members to be included, but Spain and Greece are particularly family-friendly with fewer requirements for dependants.
Lifestyle and Cultural Appeal
Each country offers unique benefits:
Portugal
: Stunning coastlines, historic cities, and a laid-back lifestyle.
Spain
: World-renowned cuisine, vibrant festivals, and warm weather.
Greece
: Rich history, beautiful islands, and an affordable cost of living.
Malta
: A small but dynamic country with a strong expat community.
Cyprus
: Mediterranean charm with the added benefit of full EU citizenship.
Future Trends in 2025
The European RBI landscape is expected to evolve further, with countries adapting to global economic changes.
Sustainability-focused investment options may become more prevalent, and programmes could tighten their due diligence processes to maintain credibility.
Conclusion
Choosing the right RBI programme depends on your priorities, whether it’s low investment thresholds, a quick path to citizenship, or family inclusivity.
Portugal and Greece offer affordability and flexibility, while Malta and Cyprus cater to those seeking premium benefits. Spain provides a balanced option for families and lifestyle seekers.
Take your time to assess your goals and consult with experts to navigate this exciting opportunity in 2025. Europe awaits!