Which visa is right for you?
Objective comparison based on your profile — without pushing you toward any option. Every situation is different.
Side-by-side comparison
| Visa | Main requirement | Min. income / investment | Process time | Permanent? | Work in Panama? |
|---|---|---|---|---|---|
| 🌴 Pensionado | Lifetime pension from any government or private source | $1,000/month | 3–6 months | ✓ Yes | No |
| 🌐 Friendly Nations | Economic or professional ties to Panama (property, company, employment) | No fixed minimum | 3–6 months | After 5 years | Yes (with work permit) |
| 💻 Digital Nomad | Remote work contract with a non-Panamanian company | $3,000/month ($36K/year) | 1–2 months | ✗ Temporary (9 mo.) | No (foreign employers only) |
| 📈 Qualified Investor | Investment in Panamanian real estate, stocks or fixed deposits | $300,000 (real estate) | 2–4 months | ✓ Yes (immediate) | No |
| 🌳 Reforestation | Investment in a certified forestry or agri-reforestation project | $80,000 | 4–8 months | ✓ Yes* | No |
* Reforestation permanence is conditional on maintaining the investment. Data references 2025–2026 — always verify with a licensed immigration attorney before applying.
Find your path
Do you receive a lifetime pension of at least $1,000/month?
Yes →
The Pensionado Visa is almost certainly your best option. Permanent, with unique discounts and a proven process.
No → keep reading
There are other routes depending on your capital, income and nationality.
Are you a national of the US, Canada, Spain, Colombia, Germany or another of the ~50 friendly nations?
Yes →
The Friendly Nations Visa is the most flexible route: no fixed minimum amount and accepts multiple income sources (remote, rental, business).
No →
Your route goes through investment: Qualified Investor, Reforestation, or if you work remotely, the Digital Nomad.
Do you have $300,000+ to invest in Panamanian real estate?
Yes →
The Qualified Investor Visa gives immediate permanent residency. Check current amounts — verify current amounts with an advisor.
No / prefer not to lock up that capital →
With $80,000 in a forestry project you can qualify for the Reforestation Visa. Or if you work remotely, start with the Digital Nomad.
Do you work remotely for a foreign company earning $3,000+/month?
Yes →
The Digital Nomad Visa is your fastest entry point. Temporary (9 months), but ideal for getting to know the country first.
No →
Your case deserves specific review. The quiz helps orient you, or we can connect you with a professional.
Still not clear?
The quiz asks the key questions and guides you in 2 minutes.